# BANK OF KEYSTONE
KEYSTONE, NE · FDIC certificate 9817 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $64.3M | |
| Deposits | $54.2M | |
| Loans and leases | $39.6M | |
| Total equity | $9.4M | |
| Loans / deposits | 73.05% (p46 of band) | 75.30% |
| Liquid assets / assets | 30.36% (p49 of band) | |
| Uninsured deposits / deposits | 14.53% (p51 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.53% (p40 of band) | |
| FHLB advances / assets | 0.53% | |
| Tier 1 leverage | 10.60% (p45 of band) | 10.87% |
| Unrealized securities loss / equity | -0.01% (p6 of band) | 1.65% |
| AOCI / equity | -0.22% (p3 of band) | |
| ROA (annualized) | 1.25% (p72 of band) | 0.88% |
| Net interest margin | 3.68% (p51 of band) | 3.67% |
| Efficiency ratio | 62.24% (p26 of band) | |
| Noncurrent loans | 0.20% (p29 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 37% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2012-12 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 1 |  | assets shrinking |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 1 | reserve under noncurrent |  |

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

- 2016-12-16 [Trapped in a hole of their own digging - Banking Exchange](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPeFRBT1BhaDdnVGc5MzQwa2ZqMG4waWJQZ1ZGN1ZKUHh0ekxadnY1LXVSRl9ndVhEMEQ3MXpZWDlSNkJta0h3TEFPRG5IN2xrRHU4UHBPbE93QlNfaWMyWlY4TEdoNjJPSDZ6T3JlM1dRcXV2SXhEdEdER3JPVklRangzaDRaQVFNSnl4Z19qVDNkaWRSQV9UQi1QZm1VdDdUWGNLeHJndTI2QmM?oc=5) · Banking Exchange
- 2025-05-28 [Eleanor I Piepho Obituary Mar 15, 2022 - Draucker Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5DbzBxaHhjbDRuSGRlZEVfTTMxb2tISXpXQnMwbkZndllTOXhsYVZaWEt0MGZGU1F6d1hWdk95a1E1OEh5UmNtR0h5cmNlUWhhTzA5SnF1SlR1NUtNRElVTXB0b3E?oc=5) · Draucker Funeral Home
- 1999-10-20 [Big Bank Scandal Unearthed in Tiny W.Va. Town - The Washington Post](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQTi0yUGpVSFR5NWRlaVFHNFc2YXV1RGJQdVpqdlFvUjB4cG9Gbm9zYXJEQkNvOXdEUTdhRG1KcTZpcjF6UzRVSVpqaVNFT3k1RWVqbFNWaWV4SW1hVzVWd3JySUtnMkpJTkxMUGdwRmhvNFprLUQwZnU0ZlhEb3hPRGo5SFpsSmtDQjNTTGpnTVhMY0RVS1VMU24ySUUzM1BwX0o1bXFxeG53dGpKM2FkUE03WGNscUctOXphbmVnTFdRN01yWjJ1aVItZnoxN0ZjbHNZOTZHMA?oc=5) · The Washington Post
- 2016-11-14 [AMCON plans to sell Keystone Bank to ‘powerful northern group’, officials say - Premium Times Nigeria](https://news.google.com/rss/articles/CBMixAFBVV95cUxOTzJnWVN0QmpYR3ViMkZXajFrdDRjYnJCOVRYZnNGRUM1bFNMcGNNblJ0dDg4VXB1OGlWUFhjQ211bWl3a2VMMWlSOGxhbHRSbS1TSUwxZzRvRU40d0x3Vkxxbkc4Q09Bak11VzJUdFJFY1l4UWpwVHMwelVZMWpDR1czUzRtc1FIeEFfbThYS1poLVJjVWtMVjc0OU9xRlV5Q0dxN2xONDBxalNmUG01WWVFeG0ySkFKb2ZsdURKRXpZaTgz?oc=5) · Premium Times Nigeria
- 2008-08-07 [Why do banks always fail on Fridays? - Slate](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMGhwSy0yUV9MTUNaUy13ZHAtLUxUQlNxbGVkQ0V3YjJSbnVBTFZaSGxveUduT1RMYW52S1Y0QWF3aGFkb0pTTGoyLXNIb1N3MzJ2YkhQYTZIUVFPSmViRWw2NHFiT25hN3BiTDR0dms1YVNiWWl2RXZ6WFZLSm5scnRRRjhBcDEtWGVsaA?oc=5) · Slate
- 2015-06-13 [Korey Schow Obituary Jun 13, 2015 - Draucker Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5mdFJDMEtld013bnY4aW9ZTzNEOWhFUDFXdlY5VF9kN0lhWWgwQ01nZWx4ajBNc1BrME5CaXpRc2h2d0hXYnF1d3lOa3RxNjdsYmkyeHN5akQyUWVUOWc?oc=5) · Draucker Funeral Home
- 2021-01-05 [Gerald Wrage Obituary (1934 - 2020) - Ogallala, NE - North Platte Telegraph - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbFZKT3hiYU1aNUtqeEszYV9WMTdJMWdPUDFUbS10LS1RMUVEUHFzc1JmWHNwd2cwMWM3OG51SHhhSUlHcFlLbTc3d3J5bjNLdllTUU9vUnZiNmMweGVBRXN0clhOZG5MZXJEeTdlS2hOVjJyZVlzU3BRTTVJbjBQdEJib0RQMFZXdHVubndmRQ?oc=5) · legacy.com
- 2007-01-07 [Obituaries - The Washington Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSVNYbDhNU3F0NTdRZnlsSlFrNDVyaE4tQ1BjajU4WkhLZ1QySlpMWXJ1X1dzYjdINHB5LUZtZHBRU0VjeHp6YWtyZ3RmTkF0T3NmazF5T0J1d0MwUHVMZXhPeGZBaHdYTnVyb0ZQMHdycWxKcnNKT0M5eS1ULVlZYmpZX0hHNDFZd09ydnBZV054ZU14ai1fdmNkM1FzRmlsOUtjdmo5QQ?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9817 (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/25.json (key "9817", 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