# I3 BANK
BENNINGTON, NE · FDIC certificate 8595 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $225.5M | |
| Deposits | $195.8M | |
| Loans and leases | $171.1M | |
| Total equity | $18.3M | |
| Loans / deposits | 86.18% (p73 of band) | 73.59% |
| Liquid assets / assets | 18.82% (p19 of band) | |
| Uninsured deposits / deposits | 28.96% (p79 of band) | 19.81% |
| Brokered deposits | 10.68% | |
| Wholesale funding | 15.13% (p91 of band) | |
| FHLB advances / assets | 4.45% | |
| Tier 1 leverage | 8.80% (p9 of band) | 11.76% |
| Unrealized securities loss / equity | -16.63% (p28 of band) | -6.57% |
| AOCI / equity | 0.04% (p87 of band) | |
| ROA (annualized) | 0.92% (p36 of band) | 1.17% |
| Net interest margin | 4.89% (p87 of band) | 3.93% |
| Efficiency ratio | 67.61% (p55 of band) | |
| Noncurrent loans | 0.33% (p48 of band) | 0.36% |
| Net charge-offs (annualized) | 0.56% (p97 of band) | |
| Reserve coverage of noncurrent | 423.54% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 100.21% (p94 of band) | |
| Auto loans | $320,000 (0.19% of loans; DQ 1.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 | brokered >10% | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  | brokered >10% |
| 2012-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | brokered >10%, capital falling |  |
| 2013-09 | 4 | wholesale funding >15% |  |
| 2013-12 | 2 |  | capital falling, wholesale funding >15% |
| 2014-03 | 3 | construction >100% equity |  |
| 2014-06 | 3 | wholesale funding >15% | construction >100% equity |
| 2014-09 | 3 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent, brokered >10%, wholesale funding >15% |
| 2015-03 | 1 | brokered >10% |  |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 4 | loans exceed deposits, capital falling |  |
| 2015-12 | 3 | liquid assets <10% | brokered >10%, capital falling |
| 2016-03 | 4 | brokered >10% |  |
| 2016-06 | 0 |  | wholesale funding >15%, loans exceed deposits, liquid assets <10%, brokered >10% |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 | reserve under noncurrent | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | losing money | reserve under noncurrent |
| 2018-12 | 2 | construction >100% equity | losing money |
| 2019-03 | 2 | capital falling | charge-offs p90 |
| 2019-06 | 2 | charge-offs p90 | capital falling |
| 2019-09 | 1 |  | construction >100% equity |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 5 | losing money, charge-offs p90 |  |
| 2023-03 | 4 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity, securities losses >30% of equity, losing money |
| 2023-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 4 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2024-03 | 3 |  | construction >100% equity |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 7 | wholesale funding >15%, capital falling, construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2026-03 | 6 | brokered >10% | deposits shrinking, uninsured deposits leaving |
| 2026-06 | 5 |  | reserve under noncurrent |

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

- 2026-02-12 [Orange sandals led investigators to bank robbery suspect, Omaha Police records show - WOWT](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSG1mYi05cnVNTXowRTk4WlBnRUFvUUNPMi1XYXNhY2x3M1dZWUFRZHdQdXVmVWxwamtDWXJfNWhocE1pdVp0QXJoU1E4blozZEVfVGxHdE9VZV9TVkVsQktJSGhBbXA2RnNsN2JPZ0s5M0RyZ1FaY1ctejY5U3R5bDVkVnhua2RDaWRCaEthSXZlcDkwV1ln?oc=5) · WOWT
- 2026-02-11 [Omaha police arrest man accused in bank robbery - KETV](https://news.google.com/rss/articles/CBMihAFBVV95cUxOWGwzVzBiRF9FT3lTTkIxVFQxSi1HNWd0a3NEdll2TGVURmhWbi10MjByTElnNUphTjJidm8ybjhmUlJiS3N2WmJRSEpZRlloXzVnTFN4RmQ2QXBwV1FIRjQwYVlzbk1UZlVVYWFmeFNheDRpS3ZsMXV5U2Q5SENGMDNSTU4?oc=5) · KETV
- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2023-10-19 [Banks caught up in massive bank fraud begin to show temporary losses - Nebraska Public Media](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQYzFvRHcxZ1B0aXpRT2U4eHhtbUdVZVFmUHJPM2QxR1dZV2NTc3p4ZW5xSGlvMDEteGtwTkc1WWh3bVpRdHRULWFvbGVBUFdiYVdsQzBuMFBuNUh6aExMXzFSUHFNamJtZlJuS2VicjMyaDJTVERWYUZJWUptdGR4MHBHQ3l1azBieTBIUUFNSUtOUnNuLWdLTm9fTjR5djU5ZUtwQzhfX3VaWnEwYkozUUZQVEhETERuZEJmZ3c1R04?oc=5) · Nebraska Public Media
- 2026-02-11 [Police make arrest in northwest Omaha bank robbery - WOWT](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdEh4Z3RwOW5xRkM1NWtSYjNTWFJyOVVBb2hqNzRTLWxfN2ZhNndpbFU1aE43T3BQaVRlLXE3OGdsWkpvU09mNkpSNklfYWN5SVRrRW5RWTZ2aml1b1hHdVloQ1lXWnJMXzAxLWRIRXo0RG9JajFkSUZ2V2VCTllobm9qb1djdHpH?oc=5) · WOWT
- 2023-02-20 [Banks caught up in massive bank fraud begin to show temporary losses - Nebraska Examiner](https://news.google.com/rss/articles/CBMirgFBVV95cUxOR3M0NlV1Y1dPQVIxR0hXMk1aX2t1ME5qR1VXcFRmN3YxMWEwdjJnN1lsUF8xdWtFMXBZVzNfOGY0U3VVVEpyWUs3TkdiT0NlaHJiLTNsMzNmXzRmSTZhLXlETFMtSkFqUGFqUG1jVEc1dFdycVJhODE4d2hJRnkwcDZublVZX2RGSS1NU0dkam50b3NfbWdXVGpKazlrSi1WRmNOZWRfRlRBaDU5Zmc?oc=5) · Nebraska Examiner
- 2026-02-11 [Police seek tips in northwest Omaha bank robbery - WOWT](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQ0ZDbTVmcWhRY3dseHdkVlFMYVgzck5IcTZJV0lUU3NKSURUMHI4dHREQThabGNNU2dXbHE2a1dYdm81NTNFY3YwTkFiamVkcWY3dEZjenFSR2IyNTVEYVV1bjBMeC12WlNvYkhHNG9PODNXUUVoZ1pUV1FTdkRwYmM1eXlxWDFuYlVudA?oc=5) · WOWT
- 2024-02-12 [Financial adviser who allegedly helped facilitate huge bank fraud still not charged - Nebraska Examiner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDZodVB6Nmk5N25zLTVJeEtlYmlBOXdBblFHa0lqVTU4YzF0LTRsWjd0dEtuYlpwWUdqbW1yRVVaeVQxVkQzUnhXZ25uMjFOMnZqS3VOaUhkYmF5UmNIWGhEWmE1RnBzRFdVbmxuMFkzNW9sQ1RUeEo2NWV3bC1ZUU1OcXhicC1rUjVyd3dIenJvbUltVFlnaXZPNXM5cnhLWnRjZFIxQ2E2LWMzbEQ4NzhXVGtDSHpFR2M1ZHVQRDg2QQ?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8595 (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/19.json (key "8595", 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