# WHITE STATE BANK
SOUTH ENGLISH, IA · FDIC certificate 8519 · asset band <$300M · latest filing 2026-06 · live

**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 | $109.0M | |
| Deposits | $96.4M | |
| Loans and leases | $38.1M | |
| Total equity | $12.0M | |
| Loans / deposits | 38.81% (p11 of band) | 73.59% |
| Liquid assets / assets | 62.72% (p89 of band) | |
| Uninsured deposits / deposits | 22.24% (p59 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.16% (p42 of band) | 11.76% |
| Unrealized securities loss / equity | -11.87% (p36 of band) | -6.57% |
| AOCI / equity | -3.38% (p5 of band) | |
| ROA (annualized) | 1.62% (p74 of band) | 1.17% |
| Net interest margin | 3.54% (p31 of band) | 3.93% |
| Efficiency ratio | 43.38% (p6 of band) | |
| Noncurrent loans | 1.31% (p76 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 133.20% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 5.10% (p29 of band) | |
| Auto loans | $1.5M (3.91% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2004-11-14 [William T. Axmear Obituary Nov 14, 2004 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE1IalNLc21tem8zSTdMUEM1ZWJWZVhhQ0lKc2tzOHBEcFJ3M1BFaWR5RTVPdTEtanFjd21EUFcwSl9rQmltSV9BZ3ZhS0pvakJaaE9yMWV0dVVvMDhKb1RZZ0RLWmRseEhHdU52RXB2cw?oc=5) · Powell Funeral Homes
- 2016-11-18 [EV says no to another SICL expansion - press-citizen.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOVkFycGFxVHdJTWNwenY5LXAxemxnQllhV3RPeU5Ic2ZRTkdNYzVRb0V5VTRsY2dlclJwTUtuS3BwbDVtZ08yaDdpcS0xMjEta1F5VWFPdlA5T0o4bk5HTUJYRzhIYXBESkdZNnpPbkp5SkVwRWc1MUQyVkQ4MDU4WFN2UG56a1RQRU01eXNxYmg3UEZvM1ZHUEhIRlVXbEVHVXhVTVFhWVZ0dEpsMkNPdnRkQnJFYTct?oc=5) · press-citizen.com
- 2017-07-01 [Joseph R Chapman Obituary Jul 1, 2017 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE9OUjk1YzZFbE54aGc3Uk5ZckNqRXlqZXdSSkp1TXpReEtyVEN0MUJfdndHS0tNcWdfa0lRLXY1TWo3MnFsaWlId0RBYk5ZbmRqWkFGSGZnSktFNXhydkVIRXNmLTlvRGtqN1IwZzcyRQ?oc=5) · Powell Funeral Homes
- 2020-09-21 [John Eugene Dawson Obituary Sep 21, 2020 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFB3YnV1QVJNU082ajN5WldYUEtSNngtMEJZWDRId2x2LVdUOS1vYjRWZW9vS0VpdGxaUG5uVlg2ekhCeHktUjk1UTZJTTF3RVpta1Uxb2hFdk9NZnkweGM0N0VaMTJpS2RMOWZ5czlOVllGZw?oc=5) · Powell Funeral Homes
- 2017-09-22 [Chad William Owens-Holden Obituary Sep 22, 2017 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMie0FVX3lxTE81LU4tNUhURXg3bjBBRGpHMlRzOGZyTWIzblRuY0FBLUQ2WG45bGFYdV94TVRVMXVDVUZYbThKd043Y3JMNUNtb2FaNHl6VjQ4T0Y1ekxxcHYtVWxndzdZVlVWbUZoZzdhaFgwdHJPVmw0NUZtWXdtbmd6RQ?oc=5) · Powell Funeral Homes
- 2006-09-14 [Freda Kurtz Obituary Sep 14, 2006 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBaMm5jQUpxOGdhLXlmTkdJX1NJYkotV0JDMkp4al9kcHJxY04yeWxobWx5d1hQTlAyQkRRX1dKZUV4OVJoZFNNenRCNGl6eFp3MFB1ZjZEUVVESUF3a29wcVpXcFVONzV1?oc=5) · Powell Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8519 (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/7.json (key "8519", 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