# PENDER STATE BANK
PENDER, NE · FDIC certificate 8329 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $169.3M | |
| Deposits | $142.5M | |
| Loans and leases | $131.3M | |
| Total equity | $21.4M | |
| Loans / deposits | 91.23% (p81 of band) | 73.61% |
| Liquid assets / assets | 17.53% (p17 of band) | |
| Uninsured deposits / deposits | 24.48% (p85 of band) | 13.65% |
| Brokered deposits | 20.07% | |
| Wholesale funding | 23.02% (p97 of band) | |
| FHLB advances / assets | 2.59% | |
| Tier 1 leverage | 9.14% (p21 of band) | 10.70% |
| Unrealized securities loss / equity | 1.46% (p61 of band) | 0.86% |
| AOCI / equity | 0.97% (p84 of band) | |
| ROA (annualized) | 1.79% (p90 of band) | 0.84% |
| Net interest margin | 3.37% (p35 of band) | 3.64% |
| Efficiency ratio | 43.36% (p3 of band) | |
| Noncurrent loans | 0.10% (p22 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 980.15% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 0.72% (p17 of band) | |
| Auto loans | $462,000 (0.35% of loans; DQ 0.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | liquid assets <10%, reserve under noncurrent |  |
| 2011-12 | 3 | loans exceed deposits | liquid assets <10%, reserve under noncurrent |
| 2012-03 | 3 | capital falling | loans exceed deposits |
| 2012-06 | 4 | liquid assets <10% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | liquid assets <10% |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-12 [Lynda Suhr Obituary July 12, 2026 - Munderloh-Smith Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9vbHppdDdVTXFsc05SeDJfcVJpMU5sY2lDUWU0TDQ0TFV1SmptVTN2Z1BSSzl0elNGSE1mZk9rbjFQd1ZSMmRnam5FSkpoRTItQS01U1pZNk5kUlNuY2dYWm13?oc=5) · Munderloh-Smith Funeral Home
- 2012-04-22 [Bruning: his business deals don't pose a conflict with AG role - The Norfolk Daily News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNQUs4Nmd1ZmJwazlNRUZMZ0hmcmRNNEM5YUxSYnFuWl9xdlRPVTF6MUEtSUJrWlhDNExEZjZfTnY0ODdGM05ZckVsVVh1SjZvUkZJM0xjQ2R5NnRINHc3UWI5QWRJdFlKWmdGM1U5Z3JiV0EtSkZDOGQtTXJiR0hmaWNBWTRwMmxxeEVNU1F2SUhqZ2ZVZXRHNmNycGJiM2dZRWQ5YnM1SGJXX1RtTEltaWRzNGxSYjEyZWpyWjhWc08wZlRwQ0ZtNjVXX1ZxOU1MQWhjNmxTQVdqX2lG?oc=5) · The Norfolk Daily News
- 2026-05-18 [Obituary information for Sharon Busch - Brockhaus Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTE83OUI3M2t4My1DZ2ZZWVN3NnRjQjRva2NoUkxDMFZvSlNCR1RNX0xuN0hQUE5rczJIVC1xMkhFTml5b050OW5OMDBwbzg2WXBkUnNGN05hQVllQkpHYTBqU1BKaGFhNXFmX1JrTkJURkNGcFN5Zkh3ZHVHZmw5R0U?oc=5) · Brockhaus Funeral Home
- 2022-11-08 [KTIC 840 AM/98.3 FM/98.7 FM - Joan Marilyn (Vogt) Moeller, 89, of Pender - Rural Radio Network](https://news.google.com/rss/articles/CBMiX0FVX3lxTE96UEhNTk9QNXJXMU1PZVpEVWdMOGVjMUFRQXFaQ2RmUTl6QTd6SUM4UkZUOUE3dGlWSlhxd1dMenc3VFdGMzRaS0hhQnRmWVI2MFFqeVFIaWhjVEY0SUFv?oc=5) · Rural Radio Network
- 2014-06-22 [Jay C. Hesse Obituary Jun 22, 2014 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBrc193WF9oUUwtd2lqWWdfNFdKZTRMZV90RlhPb2NNelNEQnd2VVVxS2l3ZzZMVGQ4Z1ctMENnU3ZiRU82c2NsREFXN1RmWk9QcGMyMjZoSHp1aF84cUdIZA?oc=5) · Meyer Brothers Funeral Homes
- 2025-03-31 [Kent C. Weborg Obituary March 31, 2025 - Munderloh-Smith Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5jSE0yZUg2VnNLQ2lrUTNKd1JrQ2hIeVdtakpDZFZsbnN6b2dVUXVMX3pDZ24tNXJpOVJvWU9neXRXcDRsOUVjREhRNTkwd0M1cDFadzl2Qk9XMjlyclBnS0g2NA?oc=5) · Munderloh-Smith Funeral Home
- 2009-07-14 [Janice C. Nolting Obituary July 14, 2009 - Munderloh-Smith Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBEYlY5d2VsV3VqSkhVanRxeEZwXzBfdGttNE56d1kzckVHOW9UdmNvOGZiblZmaDl1YWNaOFpBdk9aaVZ6VlV3S3NSNlUzQ2plQTdiSTNBM3dMcFYw?oc=5) · Munderloh-Smith Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8329 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "8329", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide