# WEST IOWA BANK
WEST BEND, IA · FDIC certificate 9105 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $222.1M | |
| Deposits | $183.0M | |
| Loans and leases | $131.0M | |
| Total equity | $28.5M | |
| Loans / deposits | 70.83% (p45 of band) | 73.59% |
| Liquid assets / assets | 36.91% (p58 of band) | |
| Uninsured deposits / deposits | 23.46% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.40% (p71 of band) | |
| FHLB advances / assets | 3.65% | |
| Tier 1 leverage | 11.89% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -9.02% (p42 of band) | -6.57% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.25% (p55 of band) | 1.17% |
| Net interest margin | 3.48% (p28 of band) | 3.93% |
| Efficiency ratio | 54.69% (p22 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 12091.67% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 13.87% (p45 of band) | |
| Auto loans | $932,000 (0.71% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $5.8M (20% of equity) (p99 of band) | |
| Deposits YoY | 38.2% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-02-12 [West Iowa Bank announces agreement to acquire Home State Bank of Royal, Iowa - Enterprise Media - Kossuth County Advance](https://news.google.com/rss/articles/CBMivgFBVV95cUxPS3pYVzg4SXd0Z0FjSVpUM1oxQ1VzN1FCQmYwbWdSNHJDQzRYUWFKMHg1VFdqN0MzSEF2czJSTUdRVDFHOV9vakgyanphNnhSZ3BhTVVacWhjaGRyQXFBUWlNUnpudk11QVc5T21xQnNoUGRZdG9UX2E0SEJ0eTZDSE05TkNJSHduZ2NBM2NCU1d4VkdGc1pOeVMyd05GOE5xNzA2SWx3ZTcwZWRWbTM3b0xzSjN5VTQwM2h1TTl3?oc=5) · Kossuth County Advance
- 2021-12-18 [HOWARD GARTON - Messenger News](https://news.google.com/rss/articles/CBMicEFVX3lxTE16UGZ5VnZBVmZJYzluczFiQ1JCbWp0Y2NpbUVqcnVILWg3OE5JdE1JYmJDcnBCMkQxYmJFRUxZNFNOT1liOU1mcE9EWDdwUVlkTVgzd1JBdG45bmpPSXU0UFZ3NElXS0pWN21fNktRUnU?oc=5) · Messenger News
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9105 (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/17.json (key "9105", 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