# SOUTH OTTUMWA SAVINGS BANK
OTTUMWA, IA · FDIC certificate 9099 · asset band $300M-1B · 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 | $565.4M | |
| Deposits | $473.9M | |
| Loans and leases | $324.4M | |
| Total equity | $76.5M | |
| Loans / deposits | 67.72% (p21 of band) | 82.04% |
| Liquid assets / assets | 37.16% (p79 of band) | |
| Uninsured deposits / deposits | 35.12% (p80 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.21% (p43 of band) | |
| FHLB advances / assets | 2.21% | |
| Tier 1 leverage | 13.00% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -9.32% (p46 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 3.36% (p22 of band) | 3.91% |
| Efficiency ratio | 58.15% (p40 of band) | |
| Noncurrent loans | 0.83% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 128.33% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 5.19% (p9 of band) | |
| Auto loans | $6.2M (1.91% of loans; DQ 2.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 70 | |

## 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 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | assets shrinking |  |
| 2014-03 | 0 |  | assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 1 |  | deposits shrinking |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | deposits shrinking |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 2 | securities losses >30% of equity, deposits shrinking |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | deposits shrinking |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 0 |  |  |

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

- 2026-04-02 [O'Brien named senior VP, chief credit officer at South Ottumwa Savings Bank - Ottumwa Courier](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQWmVjRG9Ub1Z5NHQyYXlvUWFETkxZSmpjbF94YVRDWFBreFRzaTVTcUVFSjJBcUI1VXNTWnR6NGlTV1Q1QU9VQ3o1TVNXSXFmcG1PV1VvRU9jVzZWSG1TMVMydVhmb2k4QjMzV2J2c3UxbHVraEhkUjd0Vm1ydzFHVC1MR1dqa3YzNkJFX0l5cDA1M2hCVmU1dFBsaE5OcGRDMmpNS2R5bWpIX0ZBZFlXZkE4QzRTTDUzdUg5a1FSU1hObUhHVWF1NGNQNUpKYkJGcGhSeEJmMVlBdHZLU2NpbTlpNUgyYmh4blVZQnRyV1lPUC1kQ2hyM1k4TkhpeDQ?oc=5) · Ottumwa Courier
- 2018-08-07 [Authorities investigating robbery at bank in Hedrick - kcrg.com](https://news.google.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?oc=5) · kcrg.com
- 2023-04-13 [Ottumwa Police launch K9 program - KYOU-TV](https://news.google.com/rss/articles/CBMidkFVX3lxTE1mM2J2eVZnMzUwdUhyQlRyM1lzS0FnT1pHb3NWbkJVN3V6M20wZWlZTjZlT0F0d1QwQkRoVjVaQkM5aGRRN0VtWkhLM2syaEM0eGRxb2xkZHZXajh3WkM3RFMxeTE3Nm1WMS1ZeXdIaUpCME5FbmfSAYoBQVVfeXFMTTJqLWVjV3VhRlFmLUd0bVpQdkRhdFNoTFNqOEZuQlk4OGtydHVWaWhreUtrNnpBU29BQUxiZG9hQXJxOWZDbTNUa1BIWHNjOFBFZjRxQVZOak94SVY2LVhhdWZZdjRkYllZT1lxYmJDLUpRak5aMUdQd3VCcWNEa2JEWTRWRFJGMEln?oc=5) · KYOU-TV
- 2015-05-01 [South Ottumwa Savings Bank displays Lemberger dollhouse - Ottumwa Courier](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOajcyT2xqVHdtclVweVVFVnNpMWV5ajFQLWZsY2dlVFJFUG9VS09WR1c4aG1lNjQ3eEdqSlFpVDhqY3VwTDBQdUFrMFJuVk9naHlpblJFeXVsMWk1dnZvV0djWm96bjdIN2tDbUNZaW8yWlNmaVBHamlBUXlUdWdPS1BqWXRBM2EybTVOeGFyMmRETFlMWVpTRXFZbXRIbEJYd1FhYmdIU2JVMllJR1poRTNCSm42R29XcGZKT3NrTDMxZU1EYkVJWkR0cWdQNDBiRUE?oc=5) · Ottumwa Courier
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2026-08-21 [Glenys Downing - Ottumwa Post](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBiOGZLeGdVMnpfbDViYjh0a2Z1N0pPbk5QSXc5QWtUNUp4SmxpVm50TlR4Mkpad2kxYjZSak4ySFFDdEEteU4tSXJqSmZnejlCN3EtZldKd25ZQXhfLXVWR1BWWQ?oc=5) · Ottumwa Post
- 2018-08-07 [Law Enforcement Respond To Hedrick Bank Robbery - Oskaloosa News](https://news.google.com/rss/articles/CBMid0FVX3lxTE5hS2c1NGNHMkpwOGZnWDNhTFNFWlhNODRUQWtjamdJQktnZW13dHhydmN4SEV5SE1oaGN5UHN3Qko1RzFYNGZtZmxweWhJTmZTSEZwSi1UVXZMZkNMb0x4bkVGeWQ3eVJmWmJlaWg5dV9YS0lZSUpn?oc=5) · Oskaloosa News
- 2019-09-25 [SOSB announces merger - Ottumwa Courier](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRDY3dWJuSV9ZQzJIQ1pVZ0Q5Tnl3SlY5bHVsalRqYjFvVjVfaXV2X2VQWk43MTRZN3pwUHJ5ODFMRTVVZXh3UnBqWmpGQUh6bFJtLUVNMW5zS2VBUXY4MG5aUWcyTzJGbHhTYjVMeC0yTnFJdWVpM1hrQ0x4dlhuMG1GRkNOUlZybW1IbDA2c3hMempMdXU4MndRcENEQklBVmFLa0xVVERWZ28?oc=5) · Ottumwa Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9099 (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/11.json (key "9099", 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