# NEW ALBIN SAVINGS BANK
NEW ALBIN, IA · FDIC certificate 8506 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $350.6M | |
| Deposits | $296.6M | |
| Loans and leases | $118.5M | |
| Total equity | $51.9M | |
| Loans / deposits | 39.59% (p3 of band) | 82.04% |
| Liquid assets / assets | 65.05% (p98 of band) | |
| Uninsured deposits / deposits | 11.02% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.31% (p28 of band) | |
| FHLB advances / assets | 0.31% | |
| Tier 1 leverage | 15.53% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -7.42% (p52 of band) | -8.10% |
| AOCI / equity | -1.45% (p14 of band) | |
| ROA (annualized) | 1.04% (p35 of band) | 1.28% |
| Net interest margin | 1.95% (p1 of band) | 3.91% |
| Efficiency ratio | 33.59% (p2 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 4.14% (p8 of band) | |
| Auto loans | $2.8M (2.35% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | NIM <2.5% | capital falling |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | NIM <2.5% |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 1 | NIM <2.5% |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2017-10-25 [New Albin Savings Bank is 2017 Cloy Kuhse Positive Impact Award winner ... - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMitAFBVV95cUxPRTF5VDBoZkx1OU82cTlHTE1VUE5MOUFQM0FSYnNGSDZHSmZmWC1XNFgyaTgwaXhfb05MU0lOVmR1VC1TbDFuN09jb3NjZHdnc054Zm8zQkQxa05UTlpvNVFreXFDUEU1Ui1SWHBuR245V19JVU8tcnR4cWxTU3ZhdjZ2Xy0zakZFMGpKYzF3SkpocHhiN0hYZ29lSFF0ZnZqbU43cUxLaDhPSGVvOEN2NF9ERlQ?oc=5) · Waukon Standard Newspaper
- 2021-04-28 [Robert Bulman Obituary Apr 28, 2021 - martinfunerals.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE01ck5MX0tLaW5xdDlGSUw2VnNucmN1S1lCRE56R29ZSHowQ3lDN0dOc0ROUE52OW9xdlRmdG5VS1l3Q1hzaFJpeTRQSjZXVGhpZkNNdEhOZFAzcy1XWS1aYlVLcUVRZw?oc=5) · martinfunerals.com
- 2022-07-15 [New Albin celebrating 150 years since it was first platted - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMioAFBVV95cUxPTDFUaUt6XzhoeXVHYUtVa2l3MnlzNl9ZUU5yazVfV1RYQjlrUEhNNmx3M1k2VFZsR3hFV3RYZ0EwcVQxaTgwQVlxSWRERHdIN2FyaDhnb1VzNXNxTWhFSURwdGhpaUZfam1ZZmt2N2JDUjMzd2RGSXQ2VzkwdE1Zd24xMzlfbnAyUklURWFrZTlNUnJNeFZGRFJRekFlU2x0?oc=5) · Waukon Standard Newspaper
- 2016-05-25 [NAIL receives $1,000 donation from NASB and Shazam ... - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMimgFBVV95cUxONjFhbU9PUTN6ZGFldkNSRVJlU0JpT1dORzVRUkEyNWtSQmVQY3NERm0zR3ZTWG90WGhPWXhBcG5xVG0zZVJ1ZkNfdlQwNTJyMTBHbldWcjdHRDZGQTVqb1kybDVodjZJZFk5cmV0YWJSTTlMSTk5alU1V2R4Si1nMVFKakJnMEU1MmsxZDJxaVZhMjZuS1VEeVd3?oc=5) · Waukon Standard Newspaper
- 2025-12-31 [More nonprofits within Allamakee County complete solar projects through the Allamakee Energy District - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMivwFBVV95cUxQN1dtOURHRmI0NDNvS19fZ1FHTE4wWXB1bFF4V2psTDBXc3E5aHo4ZWh0UTZKV2VpSlZBZWJrVGk4ejhxZGpqT3F2YjNvbGstanpyYUFHclVSN0lSNVVSQ002Q0M3bHJ1cVZCUG1wV251Vk5pZ1g4aFZBOHVmM1BZeDNLQV9HTDh3S1FWMUs0X0ZLS2tCcVJQN09jblFZZ2FJaVBWNzNFQW1UdV9YM0VQUEFsU1ZIZVdPS0syTXd2SQ?oc=5) · Waukon Standard Newspaper
- 2025-02-19 [Proceeds from “Awesome Rides” calendar nearly double in second year to benefit Eastern Allamakee Schools ... - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNRGU2QlNCbVhhRHNmTkx4SWFyQWEwSGd3Zk5qeFBUR2FKWkdtUUVJWWl0NWF1cWo1dmNDM2diNFNsVWVVb2lfMXgybm9odVhTUWNtWW9vN0YzbTlEdDdSSEU5QWx3YzRfMWxzSHNpUE9JRXF2cmRlV0hUODVkLURkdDlwMGdNbzdCR0FsMVVjYlM1blpkM0NyREtLbGwxSWRmYUxYcTdReWg3NXhxd1hDV19Xb1lKTmVfTnpmNEllV1cwYkZGTlBSRHZDa2c2YnE0WmQ0Wk1RcnRsQQ?oc=5) · Waukon Standard Newspaper
- 2021-06-30 [Health Care Foundation’s Golf Tournament results - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTWdMQm53ZnJfQzAydzFBb2MxVU1OUTVnYmltTk1BaVhuSmhMYmVvRHIyR3N3aDFQajYtWGN4c0c0TzB2c3FfVEowMk5TUDhHRC1KYjhzTGZvR2NBZklSZ1B0ejNpVi0zSEpsS3BxUnIxRmE0RThtNUNZUXBiMmJHbGwzQm1OanVhSnFESlJXZU9zMGJtb3NtZ0E3ZGphdld0NTZ2R3h3?oc=5) · Waukon Standard Newspaper
- 2023-10-31 [Hall Roberts’ Son of Postville selected as 2023 Cloy Kuhse Positive Impact Award winner ... - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPUjg1dWt1MS12RnhBanpKa3ZFMk1HMFl0OUpzY3hNeUswZ01ycjJiNTNLc1pKLUJsZ0FhMVMwWUYwdkF2UEdOcDJmQTVQYVlfWmp0T3RlaU0xNnRJWlVfLTcyOW1VOVAyTXVRLUsyRjVNa2EtRmZ4RG5NTFVzVmE1emZ2QThKQlUtakdQRVZMem16QS0xQS14YTVORHQ4Z0dqdE9GcVpsWVlLVDhsbURaVXhOY2R5a1FNekkyOU9MYlZEWUtUWnlnMQ?oc=5) · Waukon Standard Newspaper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8506 (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/58.json (key "8506", 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