# LEWISTON STATE BANK
LEWISTON, UT · FDIC certificate 9208 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $303.9M | |
| Deposits | $269.3M | |
| Loans and leases | $202.7M | |
| Total equity | $31.8M | |
| Loans / deposits | 74.80% (p37 of band) | 82.05% |
| Liquid assets / assets | 27.91% (p55 of band) | |
| Uninsured deposits / deposits | 15.04% (p33 of band) | 19.19% |
| Brokered deposits | 0.15% | |
| Wholesale funding | 0.15% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p58 of band) | 10.09% |
| Unrealized securities loss / equity | 1.23% (p67 of band) | 0.40% |
| AOCI / equity | -0.10% (p65 of band) | |
| ROA (annualized) | 0.99% (p58 of band) | 0.91% |
| Net interest margin | 4.49% (p91 of band) | 3.56% |
| Efficiency ratio | 65.97% (p42 of band) | |
| Noncurrent loans | 1.43% (p73 of band) | 0.80% |
| Net charge-offs (annualized) | -0.03% (p12 of band) | |
| Reserve coverage of noncurrent | 42.01% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 103.95% (p92 of band) | |
| Auto loans | $3.2M (1.59% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | NIM <2.5% |  |
| 2014-03 | 2 |  | NIM <2.5% |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |

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

- 2024-04-11 [Investment With Interest: 100-Year-Old Bank Building in Utah Offers High-Yield Potential for $249K - Realtor.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQU1VDdWI0YUxjYmJ0d0gzaklwbG91WGpRVlgzWjA5WmdvbzV5Y2syZkpTRGN3SjMzTlc1TjVSNW5JUXRtNTAwLWVpSmhqVEhtTUdMLXlNTklvb1hETEh3S3RaY0ZyWnE5Wk5jcjVUTkZGRVZqMWRRcUFkZWhtOUdLUzA2WW5tZ0xaelVR?oc=5) · Realtor.com
- 2013-10-21 [People’s Utah and Lewiston State Bank complete merger - Cache Valley Daily](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOWTJIR3JCazJSWG5xemhHSGtMQ052LUZPd0dMOVNtNFZ0aGxyM3NuSGY0U2gxNHJTMlBYdDAtNjd6UUFxQ2YwOXhGRjlaczZlcE83Mm01NVpQNWFOdWJiVkxmUXlfTkx1RlFwcnMwcS15Wk56amtpQlJ4ZVRySVNGVmlXQ1pSejR3VzI2dUxDQldYX3hWWWoxN2JORHN1aDN0MGZkcG5jNFNZNENTeHRic1h6d0h6RHhnV25fN1p1Q3hHMERGNThhZDRIdW5VMy1KZVJYX2FzZU1UUl9hWDljSw?oc=5) · Cache Valley Daily
- 2019-11-15 [The largest community bank in Utah has a new name - KUTV](https://news.google.com/rss/articles/CBMikgFBVV95cUxQbG13cGxmUG52RzlIaUEyNEgtVmNNU0JSZnF6SlJ5b0FGN0lSU0hTRjNKNkNfMTJPQzBBekFNb2JCUGVvWGt2bnpSazhxVHpwMkVhNkw5U2VCdHdlRkJ3b0FQNnFPUFpCWUVFZVAxNXJFNkRrYjE4eFlJaUk4WU1OZlVLMWtTMnctTm16bjhsVUg5dw?oc=5) · KUTV
- 2019-11-12 [People's Utah rebrands its banks as Altabank - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxNcXBHdDJ6cjlRSC12Nk5QQ3FFZzVXOGliUVBGZUNzWGV5VW1ISEhDdEY3Yzh6Vms2RWhLN2l6ckprTWFrdGpmZUNKWDVlNU9tTzZlSjRzU3pfM255b096UklpOEVQandmZkJTdjV1Uy0tTTdKQ3VIMFE5VnJlYm9lTHgwYWZmUQ?oc=5) · American Banker
- 2019-11-14 [Altabank may be the largest bank in Utah you haven’t heard of until now - FOX 13 News Utah](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOWDRSUk43dU5NRk9tcUVBQTFJdFhTRk8yNkw0bG5PZjVBdm11Z28yUjZDaVlvV2ZxUDJiQXNCdE84VmZIWlFkQUVEenNjUnFaZG8tYTVBZVJtVUdhcVBVaFlwU3JQQzgxdHItM2xVWEw4ZHp3M1AtbTR5enE2bm9IaGJKV2xwRlI0V1JXZ3JBc1JHYzBXSUczVmZOWXREZ0M5WWsyWHdHa0NhUQ?oc=5) · FOX 13 News Utah
- 2019-11-15 [Former Bank of American Fork, People’s Intermountain Bank, Changes Name to Altabank - lehifreepress.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPU2UzT3pkSGVIc1I2Zm54Rm1qVlBBdVRQXzhfbnFXRU44bFRiNnlwVEJ2QVY4UDVnVjZob2VXVjN4eHEwNXJRNllOYlREczhRUTltTlBISU5ObTFrSTVBV0JLbmFzaHZ4LVNlRnhwd0dyRENFb1ZOSDRNeEtCaURzcnBKZ2xZUWJyNmsxcmNlOFJXYkItQi1XMnFyT1RuMjhNQ0RrVnFNYUR0VTQ2cEstODNVNS1JVWxOUWc?oc=5) · lehifreepress.com
- 2017-07-19 [Lewiston State Bank to hold open house for new branch on July 25 - The Herald Journal](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPR1Azd0V6SVAzdV9LdkhDSmVRSERfRUJiR2ZDcFhaLWlWanlYaTZtTGFMN3VrV0l4ODRzYklDZHRPNTBOWGtyS2FmMW9ERE5seEJFRjZCWEU4ZUh0MVJXa2NpVXh1NVdfX3pWRHo0anQ3VElnQWtDV1k5OWg3U3hIdDZMbW1yUFl4c3JIeW0yMHFWcURqR2o5THU3OEcxMDV2SUxYLXV1SFMtMDdFc0tFNmlVd05IQ1FVTjN2ZHcwcDRTMGRXMU5BdjNHMlptNWhSTmx3?oc=5) · The Herald Journal
- 2023-07-22 [Joan King Griffin Obituary Jul 22, 2023 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5xVTdlMGZYZDR5SDZUX1dLcVRZZ1RNcm1ibkpQMGFtWWt4TEZRRnBoR0FPTnlyWEh1azA4ek00anFBZXcxamg0dHJsbko1SEQ0MTBqNENnc0lLdGJ3NkhpTmU2MVZGb0hF?oc=5) · Lindquist Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9208 (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/56.json (key "9208", 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