# FNB BANK
FONTANELLE, IA · FDIC certificate 954 · asset band <$300M · latest filing 2026-06 · live

**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 | $274.6M | |
| Deposits | $211.3M | |
| Loans and leases | $227.8M | |
| Total equity | $43.5M | |
| Loans / deposits | 105.70% (p95 of band) | 73.59% |
| Liquid assets / assets | 14.43% (p10 of band) | |
| Uninsured deposits / deposits | 20.15% (p51 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.92% (p78 of band) | |
| FHLB advances / assets | 6.92% | |
| Tier 1 leverage | 14.48% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -1.25% (p75 of band) | -6.57% |
| AOCI / equity | -0.71% (p36 of band) | |
| ROA (annualized) | 2.03% (p86 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 52.91% (p19 of band) | |
| Noncurrent loans | 0.02% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 11060.00% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 0.86% (p20 of band) | |
| Auto loans | $1.1M (0.49% of loans; DQ 1.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans exceed deposits |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | loans exceed deposits |  |
| 2023-12 | 1 | capital falling | loans exceed deposits |
| 2024-03 | 1 | charge-offs p90 | capital falling |
| 2024-06 | 2 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | loans exceed deposits |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-05-02 [FNB Bank of Romney, West Virginia, honors long-time board member Shanholtz - WV News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOS2o0NE1OUHc1dXdkY2JEUVRMd3ptOHVNOVgxUWs1MVFubXdHdDZDT1dmR0tiOUZ6aGJDUUVaVG9CWmNFeXpVXzlLa3YwY3dxOUc4UUlfSU0ySWcxS082SlY4ZlF1cEVQYzVRRTRtUUQtdzI2NXRrZVA5QUZ1LTZjNGptQUkwSWVpSGQzbGEzMHpEOTYwWVVvNjBsd2lkUF9WMkRNVDBuU0R5TExJQzQ0cEtxUDRKS1QtY1NBblVuenNaRFEwRU1GTms1NWRLQ2hkN3gwemVUa2c5Y0JyaGN6SGNfZnFOYjR4b0ZEcGVR?oc=5) · WV News
- 2021-10-30 [Gregory "Eddie" Lee Edwards Obituary Oct 30, 2021 - nicklasdjensenfh.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9rRm16a2MzUjYxa1VUM2FVaEhLQnJOa2Q3QS1DR1dZcGJqamNQeGV6QkdKWFhlbTZQTXczNmZ3WGxzNmJWNEpQSzlRM1pZSVRJeGdDdlJqTW1tc052VUxlOVNfYlVUUm1vVGtz?oc=5) · nicklasdjensenfh.com
- 2024-05-22 [Where is Greenfield, Iowa? Here's what we know about the deadly tornado - The Des Moines Register](https://news.google.com/rss/articles/CBMitwFBVV95cUxPM25lU1dkS0c4VlpuVy1hR0ZoUnZnX3VGekJNanBXaWhESjNUemhyU2FXUzJhS2Jvb1RTaEZpeHBweWg5dXBSRm5XaFpCM09OczJkckZiOUMxX29paDk3YlVjRzhYOGVvN2h6QmJZWGRKajRaVXlLNDlLT01taGFDc0U1cEd0X3piWG1JWGdaTkhrV0xSQWZHT2ZhQThGaWpZSXA1WmpWMFo4aFo0WnZGR3pieEVEWE0?oc=5) · The Des Moines Register
- 2017-05-28 [Megan Crees Obituary May 28, 2017 - Lamb Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE80MVVUNWZPWUFNVkpGajBjOWZiUnREXzdsOGFHdnpBaUpvZTdSLWtHbGIyWmVwMEFXVXhVTkVVaHdNX1doS21mSlVFclRkWWFyNnJmSDluS2duSzJxcE1RU3dLTzJ1a2wzMzRfNjVOQS1oemM?oc=5) · Lamb Funeral Homes
- 2017-04-17 [Couple takes 'correct' approach for hometown - Sioux City Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNN3dvb2kyYlF5aUJXa1hlLUJzZjlnWnNxckc0clpEMUZJM2Z6Qk9QVWhyRm1Gcm1hZTA5NVdGd0N5MXNMaFBNTlhOSHRfSzRzZ2lOd3FDcjBMMGlHVHpLY3NPWjItMWdJY2hXc3R3bC1PTjAtaHZyZzJSYWI5b0FmNGFuSEc4SUV5dkIyTk9qTjVUUW90aUVnOG80Q3dvYWJwSFFLVmJoejJLTXpvbDNwMDBYWFY?oc=5) · Sioux City Journal
- 2026-07-11 [Sunday Events at the Adair County Fair - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZ1Jrc0UwTGR5Z05IU1R4ZTNVUDhiTkJBVV9BMVJ2TnFKZUJPcHVrNndsbXRVS1RHSm9aMDJhS1hlaTJQS3IwX254VHluZmFPaFBKVjFUNjJja3RTcmV4VVAyTktZNkoxam9TQnJOLWlWQmNCQUc0VjYzQU03Z21QWWRubE15ZEUtLUVCX0dubXY?oc=5) · raccoonvalleyradio.com
- 2023-12-28 [Henry "Hank" Russell Obituary (2023) - Clearfield, IA - Armstrong Funeral Home - Mount Ayr - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTm1ocGV1MEthaS04WDNqX1BLWDYtOEZDblJ3MUF5MWoyTWdCWndJVVVYR2h3TWsxY0V3Z1Y2MFg1enhWcDc3ekJCZGR6N3B2cGxwcUFDWmJPRmVjYzNtRU53UXhYNDVVbjZ1dS0xZlQyejF1T01mRUUwblg3V3B5NjBR?oc=5) · legacy.com
- 2026-05-05 [Bridgewater firefighters launch fundraiser for new UTV brush fire unit - westerniowatoday.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOa3V3UWNTVC01T0ZrV1NjX3BUcWJKNWNmaGVaMGlHMm9FaFpBdWtlS2xTVm1ZNUlaVWlyMTR5QnNobVE2dU9hTlJyUm1tcHc1R1NBbng1UVpSeWtBWUpMMmdNU3pSNjBjM2lfTHUzWWpaQ3pONE5fS2pROUxpckNfWjZ1aDdZV1VtQlNyQzhFV2NVSlYyNzlWb19oaUV4T2tfWFpKa2VmdVlCZGplU1c0bQ?oc=5) · westerniowatoday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=954 (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/58.json (key "954", 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