# IOWA NEBRASKA STATE BANK
SOUTH SIOUX CITY, NE · FDIC certificate 8354 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $214.5M | |
| Deposits | $189.9M | |
| Loans and leases | $131.2M | |
| Total equity | $21.5M | |
| Loans / deposits | 68.38% (p34 of band) | 78.40% |
| Liquid assets / assets | 32.89% (p59 of band) | |
| Uninsured deposits / deposits | 24.72% (p82 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.36% (p39 of band) | |
| FHLB advances / assets | 0.36% | |
| Tier 1 leverage | 10.65% (p40 of band) | 11.34% |
| Unrealized securities loss / equity | -5.02% (p35 of band) | -3.15% |
| AOCI / equity | -4.52% (p20 of band) | |
| ROA (annualized) | 1.28% (p67 of band) | 1.02% |
| Net interest margin | 3.42% (p27 of band) | 3.82% |
| Efficiency ratio | 75.58% (p67 of band) | |
| Noncurrent loans | 0.61% (p52 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 171.88% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 11.46% (p41 of band) | |
| Auto loans | $4.0M (3.05% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $380,000 (2% of equity) (p97 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 63 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | assets shrinking |  |
| 2013-12 | 0 |  | assets shrinking |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 1 | capital falling | uninsured deposits leaving |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 | deposits shrinking | uninsured deposits leaving |
| 2017-03 | 0 |  | assets shrinking, deposits shrinking |
| 2017-06 | 2 | deposits shrinking, assets shrinking |  |
| 2017-09 | 0 |  | deposits shrinking, assets shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |

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

- 2009-11-13 [Winton W. Buckley Obituary Nov 13, 2009 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE10LUFwY2lqR1F5T21YblBJYWUteE9fdm5MUjFiWUdkTTBwc01CZTZ0UHdOR3NNS1U1SURXV09ycU1FcjFJNzhweW5FRHhEZTJINEktNzBqeHh3RjBORDVuZQ?oc=5) · Meyer Brothers Funeral Homes
- 2018-12-03 [Obituary for Dolores F. Nordstrom - Goslar Funeral Home and Monuments, LLC](https://news.google.com/rss/articles/CBMibEFVX3lxTE1fQ3ZmRDFkdl9hcldJbE1IQzBUR0hXNEYwckMteURjX3JyTHh2LXV1SFNKWnRUdHlJMExDZHJseXJRVWJ2emxtcGUwal9HZV9BWk91d2NCSWhIZUlHWVFDX0Z6c0dBZ2ZCd0w4Vw?oc=5) · Goslar Funeral Home and Monuments, LLC
- 2026-07-07 [Carroll Gustman - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNbHpDcDVSallwNUJaMG9wZ3dFSDhiVENWTV9PalJTbHM1N2dMUU5KbVlhVnV1RjRmdG15TGd1MWVmYjRSSDhWUUFhMGxuekFUNVhkeF9nSjQtc0pnR2NRd3JsYV9Dc01kVzd2bzFJem9PRmRRaThfQUJ2TlNRMGVZTEx0WnN1ZTZwMmhhWjI4aDU0YzVUSlJTRzdqel9fRlR5UTBPS3V4TDQ?oc=5) · The Norfolk Daily News
- 2024-10-01 [Robinette Lynn “Robin” Artz - themindencourier.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPOXNVZUxWbTg5VWdQSGptamVSVHRPQzFMeno4QS1YbzhOUGtOcnBQd05fNEFMSkRhUmNMWng3WDFYaXA0TG1xQzJDTG1WLTlLWXhUeUhsb0FXYzA4cXRhVnVTQmhMc0REOXZjbmMweWxiNWNEUjRvVDNxNDFyVTJLSmZFWUpUOElHTERFY2phV2xlREdTVVI4WmNCZ1JYVWpPUWpWSkQxbHR2WC1CYVFBSlJfVElvYkdhTXM0dWViOVFyZw?oc=5) · themindencourier.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2015-03-14 [Paula Ann Warner Obituary Mar 14, 2015 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBaY09HQ2JDQ2xwRVMtcF8zVDZHV0ZURFp6bmpOQkxXXzBXMk9XSE10Wlkya2NiZHdjcVdXQXZERzhCdzM5QVRTWHJjTGVySXVZTE5haElTXzA0dm1kUkpvZ3M1MWROc2c?oc=5) · Meyer Brothers Funeral Homes
- 2013-03-10 [Pizza Ranch adds pizazz to Floyd Boulevard - Sioux City Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX0pCaFdvd1NkajJvcGhNdWtOVXdSTjJtNk8xQjFmT2hHRXRTbXlucEljajBxcG02VFo5MlV2TXdBZW1OaVU5RVNsdHMxdWFPMGNPV08tUk1BQkhXTjdId01SN0Y2eGNtUWwxMTdwenQ5aWZYOHcyV0IxMGNUYUJQcG5DM2xfd3puaTA0WU1aZ0hJdjlUR2dOS3B6UTBzMjZPc3NaQWV4X3ZDZFU?oc=5) · Sioux City Journal
- 2018-01-06 [Dawnyel Marie "Dawn" Kleinschmidt Obituary Jan 6, 2018 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9Bd2VHSWtLS2UzUEpIQ3pscVZ4bG5kVTVZWnJNYVZmNnJsbE8wa0RiQ2NCX1BqaWJJMGg5NFI2REd3ejNieDkzTzR6TW1Ud1RYZy16QUpfSl9TUE9tYVg4Qw?oc=5) · Meyer Brothers Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8354 (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/34.json (key "8354", 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.

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