# SLOAN STATE BANK
SLOAN, IA · FDIC certificate 8507 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $78.9M | |
| Deposits | $73.8M | |
| Loans and leases | $23.3M | |
| Total equity | $5.0M | |
| Loans / deposits | 31.18% (p7 of band) | 73.59% |
| Liquid assets / assets | 69.51% (p93 of band) | |
| Uninsured deposits / deposits | 25.11% (p68 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.95% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -83.13% (p2 of band) | -6.57% |
| AOCI / equity | -4.82% (p2 of band) | |
| ROA (annualized) | 1.44% (p65 of band) | 1.17% |
| Net interest margin | 3.30% (p21 of band) | 3.93% |
| Efficiency ratio | 51.95% (p17 of band) | |
| Noncurrent loans | 4.28% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 33.60% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 4.46% (p28 of band) | |
| Auto loans | $592,000 (2.54% of loans; DQ 4.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 2 | noncurrent p90 | capital falling |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | capital falling, noncurrent p90 |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | noncurrent p90 |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | noncurrent p90 |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | noncurrent p90 | capital falling |
| 2022-09 | 3 |  | noncurrent p90 |
| 2022-12 | 4 | noncurrent p90 |  |
| 2023-03 | 4 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 | AOCI drag >20% of equity | noncurrent p90 |
| 2023-12 | 3 | noncurrent p90 | AOCI drag >20% of equity |
| 2024-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | noncurrent p90 |
| 2025-06 | 3 | noncurrent p90 |  |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 3 | noncurrent p90 |  |

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

- 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
- 2026-02-11 [Obituary for Mary Jane Bromander - Goslar Funeral Home and Monuments, LLC](https://news.google.com/rss/articles/CBMibkFVX3lxTFBYTUNmNEpWek95RDRCNmRKMGJKRGV5M2lBQllycDhnSF90OGxxWHFwNncxMDFGYnp4RXNPeHNULXRmWlF2YmF3Q21MV1dlVktvYW1yMGJGU08ySG9NbU13eG1jc21OTVRCVl8wc1VR?oc=5) · Goslar Funeral Home and Monuments, LLC
- 2023-02-09 [4-H Leaders and Volunteers honored at banquet in Mapleton - The Mapleton Press](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTFlhVWlIeGRFN1hmQ3NDc1IwRVZUV19SMWttSFpReUpiZXVIYXV4M2hwZWRybmpSbWtxc2JubDA2ZkttUzRic2hwWHlBTkdWeWNaUUlRR0hLMVRWQ2xqSEdKTmcxa3NYRnJxSllMalplMGlYSktuRl9vSDhZRjA3Tlh0TFRBcVJyV2t3RnZkQjQwWnYtOTMxWnhiTlJCWE51SVN3?oc=5) · The Mapleton Press
- 2020-08-27 [Obituary for Mary Louise Miltenberger - Goslar Funeral Home and Monuments, LLC](https://news.google.com/rss/articles/CBMibEFVX3lxTE0yQ0hNRUhuX3REb1k5Z00wXy1KQ0FKUXRKV1RnUmt5dDd0N2dYRzBQblhMemRSb1FPaUVrS0hVT3YyYVNEbTg1eUV5WFo3Q0x0Mk5ueHNrVC0xTHFvcUpDZnBYbU5zMVF5UmJ4MQ?oc=5) · Goslar Funeral Home and Monuments, LLC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8507 (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/59.json (key "8507", 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