Research / FNLC / Fundamental state Inspectable configuration
State dimensions Filing 0000765207-22-000021 Bank
Sequential deposit growth 40th Own-history percentile · N=20
Evidence method Sequential · gp.financial.deposits
1.66% · CORE · VALID
Net-income growth 40th Own-history percentile · N=20
Evidence method Yoy · gp.fundamentals.net_income
8.78% · CORE · VALID
Interest-expense growth 10th Own-history percentile · N=20
Evidence method Yoy · gp.financial.interest_expense
-37.89% · CORE · VALID
Interest-income growth 40th Own-history percentile · N=20
Evidence method Yoy · gp.financial.interest_income
8.34% · CORE · VALID
Cash and equivalents 70th Own-history percentile · N=20
Evidence method Level · gp.fundamentals.cash
$22.1M · CORE · VALID
As-filed lineage Fundamental state history Each observation is tied to the filing and facts available at that report date. Amendments remain separate.
History 62 states Self-history eligible
Sep 30, 2021 6/6 normalized Level 3 Dec 31, 2021 5/5 normalized Level 3 Mar 31, 2022 5/5 normalized Level 3 Jun 30, 2022 5/5 normalized Level 3 Sep 30, 2022 6/6 normalized Level 3 Dec 31, 2022 5/5 normalized Level 3 Mar 31, 2023 5/5 normalized Level 3 Jun 30, 2023 6/6 normalized Level 3 Sep 30, 2023 6/6 normalized Level 3 Dec 31, 2023 6/6 normalized Level 3 Mar 31, 2024 6/6 normalized Level 3 Jun 30, 2024 5/5 normalized Level 3 Sep 30, 2024 5/5 normalized Level 3 Dec 31, 2024 5/5 normalized Level 3 Mar 31, 2025 5/5 normalized Level 3 Jun 30, 2025 5/5 normalized Level 3 Sep 30, 2025 5/5 normalized Level 3 Dec 31, 2025 5/5 normalized Level 3 Mar 31, 2026 5/5 normalized Level 3 Jun 30, 2026 5/5 normalized Level 4 Period transition
What moved in the state? Deposit Growth Decreased
Previous 4.43%
Current 1.66%
Delta -2.77% Earnings Growth Decreased
Previous 33.69%
Current 8.78%
Delta -24.91% Funding Cost Growth Decreased
Previous -37.65%
Current -37.89%
Delta -0.24% Interest Income Growth Increased
Previous -0.05%
Current 8.34%
Delta 8.39% Liquidity Increased
Previous $20.6M
Current $22.1M
Delta $1.4M Self-history only Previous similar states Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.
Not enough compatible prior states for a transparent self-history match.
Research Graph
Related governed research Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.