# STATE BANK OF TABLE ROCK
TABLE ROCK, NE · FDIC certificate 9822 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $150.4M | |
| Deposits | $118.5M | |
| Loans and leases | $130.8M | |
| Total equity | $14.4M | |
| Loans / deposits | 109.14% (p96 of band) | 73.59% |
| Liquid assets / assets | 8.55% (p2 of band) | |
| Uninsured deposits / deposits | 6.15% (p5 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.25% (p86 of band) | |
| FHLB advances / assets | 11.25% | |
| Tier 1 leverage | 9.72% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -1.09% (p76 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.17% |
| Net interest margin | 4.37% (p71 of band) | 3.93% |
| Efficiency ratio | 65.60% (p50 of band) | |
| Noncurrent loans | 0.79% (p65 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | 132.72% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 34.65% (p68 of band) | |
| Auto loans | $2.2M (1.68% of loans; DQ 1.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 | reserve under noncurrent | losing money |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | loans exceed deposits, wholesale funding >15% |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | loans exceed deposits, capital falling |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | uninsured deposits leaving |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-12 | 3 |  | uninsured deposits leaving |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 | reserve under noncurrent | charge-offs p90 |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 2 |  | reserve under noncurrent, capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | loans exceed deposits |
| 2020-12 | 2 | loans exceed deposits | capital falling |
| 2021-03 | 1 |  | loans exceed deposits |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 |  | assets shrinking |
| 2023-09 | 1 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2023-12 | 4 | wholesale funding >15%, liquid assets <10%, uninsured deposits leaving |  |
| 2024-03 | 4 | capital falling | wholesale funding >15% |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 2 |  | liquid assets <10% |
| 2024-12 | 3 | liquid assets <10%, capital falling | uninsured deposits leaving |
| 2025-03 | 2 |  | liquid assets <10% |
| 2025-06 | 2 | liquid assets <10% | capital falling |
| 2025-09 | 3 | uninsured deposits leaving |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | liquid assets <10% |
| 2026-06 | 3 | liquid assets <10% |  |

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

- 2021-02-04 [Obituary for Terry Lynn McMann - Wherry Mortuary](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1pX1hZU0V3NURScFduUHlOQmVjX3hrTVNKcGFLaGFaSVBCdmN1UlBfQ0p6SUNkMnBRVnItVFBWT1JvWmdNX1NRQk1QOXM1c3hjSVhiN2xUOU91Q0QzX3ZBODVR?oc=5) · Wherry Mortuary
- 2014-11-04 [Devon Hunzeker Obituary (2014) - Humboldt, NE - Beatrice Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNN0trZnpIZDRWaUdSZ3QxRDNkSVJQMDZHOFFncEtvX0QzZ1kxd3NBMFdnMjJ4aGdpNEtGWnRmbmZNMGlidUtfUXlsSTlhMkhiWEQ1d2JpMjk3NmFCU1NXbjJCUktTbHZ1UW9neTFMWS1rQzFacGFNNVgyRmRrZXdaN0FmVllDTk1waGNNTkU2NnM0dU5aSWRmcXd3?oc=5) · legacy.com
- 2018-02-07 [Apple Pay now supports 26 more US banks - PhoneArena](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT2NCOFVOVWN6T0tEQ19Nd3VXU1VIQU9UUmoyR25GVTFUbk9EOVJ3c1h4N1ZfalJKQURpQVdBVzRZa2lVX2JaTjVKT2pzQUttVFpHUzhuWjNsc0ZFaUVLQ244VkNDZGtYemh3ekItRmNpMW0taHdOdll4VXdXTzNkQzN0YTlVOFU1TW1qT2Z1UG44Z0xkMmhnT2QzUjFGblhPbWRoWXJ4a1E2TmpyeWhRWQ?oc=5) · PhoneArena
- 2018-03-16 [Jessica Jackson Barnett Obituary - Lincoln, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxQMDhiY0hTTFdVYkJJTWJoNGlrY0xEWjlpQkdtNmhtbC1BcFhGYkJIemF4NFFyTEVnTExVTU1OQWpWZ1M5WFc1N2kxNnhnc0hlNG0xMUpLYkI4LU1LVXVic1dXRDRzcTROM3R4XzJHNmpTTVBYdmFjWUlnbFZndXplQ19MRTZuUEp1WjNObnRB?oc=5) · Dignity Memorial
- 2020-12-16 [Obituary for Karen Sue (Schneider) Mezger - Wherry Mortuary](https://news.google.com/rss/articles/CBMiYkFVX3lxTE95OWFSUmVocHMtSThyZVZ0M0FMS29UYUhIMEQwdFhjeHB4NnVJXzUxNjB5Q2gtNFgtUTE2R3pkSVRLZjZ2QXhVSGxWZkEyMkRUVnM5UHEzX3dqT0FZNEZNVHVB?oc=5) · Wherry Mortuary
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-10-27 [Melodie K Latas Obituary (2024) - Seneca, KS - Lauer Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWUp6NDBZU1VRSGVMU2h5bWo1emEtQ3A0RFcxSTVIN1VGMTBLRk05aVo1LUZQQk1aNk5vaXViMXZoX1R4Tkc4NncyajRpdlpKZHJPN3JSdm82cy1qR0ticHp4ZDcxczZ2d19lQkJud0psQlJsM1VUd25tWHpFUk94dkRR?oc=5) · legacy.com
- 2014-11-01 [Obituary for Devon Lee Hunzeker - Wherry Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTE96LTd1NFJ3QmRsVE5oSlV2a3lEZ1RubG1ZajFrb19VZzZlWHlCYXBwR2sxWWhLbFAwX2F0ZFR2QjVWY3dUQVpVVXQ2UUdVYnRRVmptNFFuVzdUTVY4bk9EakcwMHE?oc=5) · Wherry Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9822 (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/30.json (key "9822", 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