Research / FNLC / Fundamental state Inspectable configuration
State dimensions Filing 0000765207-23-000052 Bank
Sequential deposit growth 60th Own-history percentile · N=20
Evidence method Sequential · gp.financial.deposits
4.00% · CORE · VALID
Net-income growth 5th Own-history percentile · N=20
Evidence method Yoy · gp.fundamentals.net_income
-25.93% · CORE · VALID
Interest-expense growth 90th Own-history percentile · N=20
Evidence method Yoy · gp.financial.interest_expense
273.89% · CORE · VALID
Interest-income growth 90th Own-history percentile · N=20
Evidence method Yoy · gp.financial.interest_income
38.61% · CORE · VALID
Cash and equivalents 100th Own-history percentile · N=20
Evidence method Level · gp.fundamentals.cash
$29.9M · CORE · VALID
Sequential loan growth 20th Own-history percentile · N=20
Evidence method Sequential · gp.financial.loans
0.94% · 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 Increased
Previous 1.34%
Current 4.00%
Delta 2.66% Earnings Growth Increased
Previous -26.04%
Current -25.93%
Delta 0.10% Funding Cost Growth Decreased
Previous 458.32%
Current 273.89%
Delta -184.43% Interest Income Growth Decreased
Previous 45.51%
Current 38.61%
Delta -6.90% Liquidity Increased
Previous $25.1M
Current $29.9M
Delta $4.8M Loan Growth Decreased
Previous 10.64%
Current 0.94%
Delta -9.70% 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.