# LA PORTE SAVINGS BANK
LA PORTE, IN · FDIC certificate 9538 · asset band $300M-1B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $517.3M | |
| Deposits | $365.5M | |
| Loans and leases | $332.9M | |
| Total equity | $76.4M | |
| Loans / deposits | 90.10% (p63 of band) | 83.96% |
| Liquid assets / assets | 27.38% (p59 of band) | |
| Uninsured deposits / deposits | 27.73% (p74 of band) | 19.94% |
| Brokered deposits | 2.00% | |
| Wholesale funding | 15.15% (p82 of band) | |
| FHLB advances / assets | 12.57% | |
| Tier 1 leverage | 13.24% (p87 of band) | 10.13% |
| Unrealized securities loss / equity | 0.27% (p14 of band) | 2.47% |
| AOCI / equity | -2.01% (p1 of band) | |
| ROA (annualized) | 1.41% (p81 of band) | 0.92% |
| Net interest margin | 3.67% (p55 of band) | 3.59% |
| Efficiency ratio | 74.42% (p68 of band) | |
| Noncurrent loans | 0.73% (p53 of band) | 0.67% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 148.44% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 23.56% (p34 of band) | |
| Auto loans | $1.6M (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | loans-to-lenders >50% equity |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | wholesale funding >15% |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 2 |  | deposits shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | loans exceed deposits | reserve under noncurrent |
| 2015-12 | 1 |  | loans exceed deposits |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |

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

- 2026-08-14 [La Porte Savings Bank and Horizon Bank Support "Love Our Lakes" Project - nwitimes.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQLVlRWS1VM0RJZml0cnp0bGZZRDFmc05JTVBCNGtXRXJ4OHl4bFp6TmNVN0NrOW9McFNEREU5dXJfMTF2RnJIR3R1Z2VqczViZmpBUEJidklaZW1DZDF6bTlUQzRLMTVkLTA3ZUZrWE85ZThMNXhXZEltUDdnemtObUdhZklRV3I3ZllTUjlEX3hWZENLVDVkSlBqMFQzYi1rWWRKZUJHRzc?oc=5) · nwitimes.com
- 2017-08-14 [La Porte Has Successor For Blair Milo - Inside INdiana Business](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdHBiYnJjQWlqSDZrcjFCcmlUMXdXel9kenVEWDZhNEhwYkJSUjhLbUQyTnJCT1FRM2xIczk0MmpWMVdQVG9jTEtlREZHQWFRS0FTbU9XTm5yNFpaNGtyTXF2UnktdE9GS1VCTjdaVjlCZ0tzaDZIdXhqVFRGckdGQTVraEJGWEIyQUQyYWgyc0RfM2xFWHFmTEtJNUg?oc=5) · Inside INdiana Business
- 2025-09-21 [Next Friday Night at the Movies in Downtown La Porte set for June 27, 2014 - GreatNews.Life](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPT2lIVzNiVGplclpJbDlRTlR5d0RfVU54UXNNR3QtWVpDNnJTTEF5allldE5IN1lzY3AyLTlfN2hCS3Z0bngyNnhJR0l3dzllVS1sQlNHZENYb0M1cHh1d1hyNG1CVWpNdFFRbm04Ukx1S0Ntak1ELV8yVVEwd09XTkxVZkw4SU94QXBtci0xLWpZTWdFVFBqc282V0VOYVhzOWt6ZkRCeVk?oc=5) · GreatNews.Life
- 2022-10-04 [Around the Region - nwindianabusiness.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQUzM2MGlTazViblFYSW1Kb1NZQzNuS2locVdyS29YRnY5MG4tWkpzR05ka2Q1NGt6ZHoxUTdYalh0TFZvTklhd2N6Q2RaN2R1bmhPdmFRSzcxSHRwTHpwTk4tdmVRTWFJSlQ0S3ZrbVktT2NzS2ZsZnNZQ3FTcWc2anlNTmw?oc=5) · nwindianabusiness.com
- 2012-04-20 [Money Tossed Onto Interstate After Bank Robbery - NBC 5 Chicago](https://news.google.com/rss/articles/CBMiiAFBVV95cUxORzVRT1NiYUsxRlhIUzZwaVVIQUlxcDhncl9wTnpaMkZ4NUNUZ191cXRLcmgwbVlJbFBUYWJaMk1Ca0JKenhySjJ1VDFBbG1lVVRqSUdTSFZxMklDbEVwSUZTaWdLT0Z1eDJnQ1B1WUd3T0JESXFIX09UdVJJVVctTGZBQWRENFJF0gGQAUFVX3lxTE5IM001RnU1NWlnbkRsQU1NYjA4NmpDWUY2S1BFOF9PV05Ic0tVUVA3NDlTWWdhbWlRVXV1MkdOaGhNYWhyZ3pvNGZDV3lLNmxEYmZSNk5rbEk2aHp2clBpQkJ6Zi1RSEhCUHJPZkVsRUM5SHZFQnlGZGRpTnNNcjZTaDJ0ZFRjZks2VmRNVktnZQ?oc=5) · NBC 5 Chicago
- 2022-11-22 [Mary Robinson Obituary (2022) - La Porte, IN - La Porte County Herald-Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOb1pScGVFT2lFM3REejd1OEJvMU5abU5TVy12Ql9OLS1kQmdMUk9rb0ExSWxTTXRuNzNXMzhlZ0ZyMXVTTUM1NTUtZ09SNHFsN21JSXlQaGdmd2ZLc25OUXdGSHF2WjNIb1JoMy02X0x6bDEwQVVLM1lZUGQ5WE41Yl9CODdnM0dZV2RaTnBOcUFJQ1BJMWhkMw?oc=5) · Legacy obituary
- 2023-05-20 [Mary Helen (Becker) Tannehill - Hometown News Now](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1LMURpQTNnb1FWNkZKQ3hCZEg3ajh3cnlpOGZyM0dCUHdYREplMF9NOGVWMWZndjdtVlVfLUZmV2tnbkRrQ21WdjdkT0pFZlV2ZEI2N0lRUFY?oc=5) · Hometown News Now
- 2012-08-30 [United Way of La Porte County Campaign Kickoff Shows Promise - GreatNews.Life](https://news.google.com/rss/articles/CBMilwFBVV95cUxONlBRTnEzVDluQlpncE1pVjhpREFuYXZ1eHJsM19WRFMwUXVGdWsyUzJCMlNrWGF6ZjVwbGdZYk1fdlA2UExZTV9wSmQ5TU1jWkhWdjVDeTNzMEdGSzVvSlplcWtoNkV6TWlDYkVaOHE2VlVmdTlEZnBYclRiZnBSTjM5T0U2MFBDS2YzcTQ1R1BzSG1UOUs0?oc=5) · GreatNews.Life

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9538 (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/2.json (key "9538", 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