# LUSK STATE BANK
LUSK, WY · FDIC certificate 8724 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**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 | $74.0M | |
| Deposits | $63.9M | |
| Loans and leases | $41.4M | |
| Total equity | $9.9M | |
| Loans / deposits | 64.26% (p48 of band) | 65.77% |
| Liquid assets / assets | 34.34% (p42 of band) | |
| Uninsured deposits / deposits | 13.17% (p23 of band) | 19.70% |
| Brokered deposits | 4.78% | |
| Wholesale funding | 4.78% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.51% (p57 of band) | 10.97% |
| Unrealized securities loss / equity | -1.02% (p88 of band) | -19.70% |
| AOCI / equity | 0.76% (p34 of band) | |
| ROA (annualized) | 1.97% (p88 of band) | 1.01% |
| Net interest margin | 4.58% (p87 of band) | 3.56% |
| Efficiency ratio | 50.46% (p14 of band) | |
| Noncurrent loans | 1.24% (p85 of band) | 0.18% |
| Net charge-offs (annualized) | 0.00% (p49 of band) | |
| Reserve coverage of noncurrent | 61.17% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 1.66% (p20 of band) | |
| Auto loans | $967,000 (2.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | brokered >10% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2013-09 | 1 |  | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-12 | 2 | wholesale funding >15% |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | wholesale funding >15% |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | uninsured deposits leaving | capital falling |
| 2015-09 | 3 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 2 | wholesale funding >15% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 1 |  | uninsured deposits leaving, reserve under noncurrent |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, assets shrinking |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | deposits shrinking, assets shrinking |  |
| 2019-12 | 0 |  | deposits shrinking, assets shrinking |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 3 | capital falling, noncurrent p90 |  |
| 2022-06 | 2 | NIM <2.5% | reserve under noncurrent, noncurrent p90 |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 | uninsured deposits leaving | NIM <2.5% |
| 2023-03 | 1 | reserve under noncurrent | uninsured deposits leaving |

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

- 2023-04-19 [Keeping our community moving forward - Lusk Herald](https://news.google.com/rss/articles/CBMifEFVX3lxTE1zQV9jVnJBeFR0ZU1rMG5ENDhvbkpWdHVrajlqT3FCdENpdEIyV3llMzlxRXBFamtBajB1SEVtTXVkM3ZqRThqY1FJQ3I1akhMMThHSWF1TmpMT2NGVHp6YlQ3UHRiSmo2a1ZBNUtXWUJsMGIxQzRtekVFaFo?oc=5) · Lusk Herald
- 2013-10-16 [Serial bank robbery suspect caught - Times Reporter](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTkx2WndQN2U4UFFTcFdEdk0waEFFNVJ2YUdKcXZGUmxUYndHNFpWTEpDT2ZaNDN3TnVhcERJaHVacVZmNFRhbFdmUEpoVV9PR1NSOWFxcjhjNXRPWEE5a3N0MVJMeFkxSU1oUmZsU21YejRsMFlQdzAzVjdTN0w1bHl3VGZoOW5VNU8yczhPR25nUldNS1dpYkwyNi1HbEFwZ3gteGl1ZXg?oc=5) · Times Reporter
- 2026-08-26 [Marcia Ann Bruegger Obituary (2026) - Van Tassell, WY - Pier Funeral Home - Lusk - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNU0Fud0FxY29uVnZxN0R1SWdpNWZjUWtBSC1fS0FENHFlTTlTcUJldHZQLVhJclNYQ3dLa3R6d19fRlVTQjhjcTdoX2p5VE1rVVR4aGNLNUVMcUx1eTBxQ0F5elJNZnFGM3FQdVNEWFUxSFhkUFdPWng2YmF4LXp0cW9zbjM?oc=5) · legacy.com
- 2006-11-03 [Sherri Lea Hammond Gilkerson - Post Independent](https://news.google.com/rss/articles/CBMidEFVX3lxTE03N3hCUXJTWTUtc25ndTJDS2VCdEpiVjFKUTFvMzV4alRnV0VTSG4yZzVBRHBnRXRQOUFNRkVaREFaQ3M0dnA2TF9DYi01NWRld3NLVmUxZGxVLVNNRndHNDVfRXBZN3pfclE3MGdLa3hoY1F4?oc=5) · Post Independent
- 2026-09-03 [Marcia Ann Bruegger August 26, 2026 - June 9, 1961 - Lusk Herald](https://news.google.com/rss/articles/CBMiiwFBVV95cUxORlIya2NYYjR3dEt5OUpLWWdoRGxQYWs2eldvVE1pOVc4M1hKclJKZUktT3VlaXN1azltZnYxenlmTnkxRVdTdTFWOHBvd2RnbGs0UVlqaThvak9MNEk0V3U0TWoyQ0tPNDNnbFQ1Q1p3dElJQ1VqelRhLWhucFRSajRxLTJtVVh0S1dn?oc=5) · Lusk Herald
- 2021-10-07 [Hayden Hester Obituary (2021) - Lusk, WY - Casper Star-Tribune - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNYkRDMHh1RXRQc1ZQcFRnV3lDYlk5WTdrNXVmWkJ0UFU2dE5HVmhGRUxFWW9UZjV2UF9mVktIYzExR1MxS3BUMkJXWTBzN01oRUtPcFMxV1RsTG1XTjFHVU5VVzZINXBMMHFZOWxNQmxuaTVqcWdBVEd4VGNEQjBJYUlSVFRlYzdX?oc=5) · legacy.com
- 2023-10-04 [Gene F. Lenz - Lusk Herald](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1vQ3V5dnMyZzQxSnJJc2NvS2VrQ1FiSzVhRGhqM3BBLXQ2Vk1SMVJ2TEdLeEJWS21pbUM1dDVOeEl1Nm1xYjM3UXhZVHBjNTh6S19CT1hhRldLdw?oc=5) · Lusk Herald
- 2023-01-11 [Storms bring challenges for residents, road crews - Lusk Herald](https://news.google.com/rss/articles/CBMijAFBVV95cUxOdFpTQ3RMdE9UTjBmZ0FjOEpuZ3JMWXpaVDJSM1luS2tEXzE3VmNQWUR4empBQlpUdVF3SDNxc3R4bFJsWG54Q1J2NjEyNi1JWFE4aVZZcWpiLVBsUVRLTXJzbXpOTzQ3aHU0RHlHcnVGLXpfTnJ3MjhrOFBPcHhMNGRKY00xY3pLS2hZNQ?oc=5) · Lusk Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8724 (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/20.json (key "8724", 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.

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