# KANSAS STATE BANK
OTTAWA, KS · FDIC certificate 10505 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $208.4M | |
| Deposits | $187.9M | |
| Loans and leases | $79.4M | |
| Total equity | $17.9M | |
| Loans / deposits | 41.52% (p13 of band) | 73.59% |
| Liquid assets / assets | 60.57% (p88 of band) | |
| Uninsured deposits / deposits | 44.09% (p94 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.80% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.25% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -6.49% (p51 of band) | -6.57% |
| AOCI / equity | -0.55% (p43 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.17% |
| Net interest margin | 3.34% (p23 of band) | 3.93% |
| Efficiency ratio | 58.80% (p32 of band) | |
| Noncurrent loans | 0.85% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 196.59% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 22.02% (p56 of band) | |
| Auto loans | $1.0M (1.32% of loans; DQ 3.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | NIM <2.5% |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 | capital falling | charge-offs p90 |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 2 | NIM <2.5% |  |
| 2024-03 | 1 |  | NIM <2.5% |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2025-10-03 [Town Talk | Western Kansas bank enters Douglas County market, plus new report shows the biggest banks in Lawrence - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNQk1hOFpNd0RlUVFqQkpab1ljZk9vRml2UV9hejh4azdaVHBfSGdRSnE2NFAyR2ZuVGNHWWI0Z2czbjRQV1JLY1NyeWZwWkZNUGVUUl9CVWp0WXFKblhPY0R3alY0SU11MVFVS1g5RzhLbFQwYnlPTjQtRnBwalJrRDNyRGx6dEVSMUlWMF9oQlFLczREeEZhWlRlMzQyNFpDRWJGOXZPend1MHBGOE1aeERZd0RaYzFheFBJaW1NSElMbEhpWDdfcjV3d21wOU9WNW1UQmRUNm9Zb3pyNEViWjV4LVdsVFZWaTVfZg?oc=5) · Lawrence Journal-World
- 2022-03-14 [KS State Bank reports losing nearly $200k in scam loan - WIBW](https://news.google.com/rss/articles/CBMimAFBVV95cUxQRUZvRmlFVVFaeGQ1TkZUaXZYQVJxelNDNFlfM3BybGR3Y2xFck1HeU92SXdya3VoLVdPR2hIclBRUVMxc0JPdmZzdS1WNzlhRjVsdDdTYy1OQnVVMUtQNzhYN0hFc1duSC0zVGJCS2RoMXpTNFZ4b1hvak5zWnBmRWkxRWpfcDd3SWp6OU93eXdzcE5ycFkzNNIBrAFBVV95cUxNYjd4aXBoWGFnVkE5eEJBd3hfWEd4Nk1qdGFXUkg1akRjc0p6U1FKTVJ1RG9Na24wc1c3WEpnR045RXIzZVpTQWZvYXpXTDBTRU1SeFJpUW0zV3I0VFk0d0JQcGR3bFhHS3RHNk9XbHU2cS1JMllybW12YTh4S0JFRVh2dnhTVG1nNXlSMkxSV1NIbEFWdzZKdy1uR1NHM0hJS2RDekZySTRaRjlS?oc=5) · WIBW
- 2025-07-31 [Kansas bank commissioner to tighten screws on subsidiary of troubled Beneficient company - Kansas Reflector](https://news.google.com/rss/articles/CBMixwFBVV95cUxNWjk1SGNiM0tqYzVLcWd5SlpaSFVfTlhsaWp4VDJ1OGRiMVExd05yRzZ0SWgtbzZLWTd4M1UxN3k0TllJdzBKQ0dMank2enV0YTYwNWNHT29BOUpzeG1HRl9PMXZ3c1ByOUJZLTZVVDlQMUk2WC1HRXlWamhXTVFRRXN0NE8wUmw0NVZ4MkcyTk41cV80VTdZNzNicG5LVVl4WjBTLWJrOUxfZGljdEw2T2hoaDJ0NjI1R0ozTmk1OEstYlRGU0dJ?oc=5) · Kansas Reflector
- 2020-08-13 [Roger D. Batson Obituary Aug 13, 2020 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFBTdDFSTmlidUhoSURDc2ZLWUZncnhnbTJIRV9aQkl6a1drQ25nZnRMSUUxSk5tZi1FVUt2c2ktbVlORWtheDZPc2I0UnBHMkxlMzhhb2hmTHZaeERoSEVhTXN1ZG1ndXFGa1VKSUNMbUtpQQ?oc=5) · Keithley Funeral Homes
- 2025-06-05 [Jimmy W. Cooper Obituary Jun 5, 2025 - Feuerborn Family Funeral Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE92ZlFoZ3pOMGVsYXpQa091UnVMU2w3S3c1WmlmUEo3SmVHaGhvTTVWcHlqbkVjRUpScjB6TThwTmdpbXBvZ3FJTVNYT2dvR21Ka3l0QnE5NzFFNzNZRjRZd3o1bHV5dlU?oc=5) · Feuerborn Family Funeral Service
- 2012-05-14 [USDOJ: US Attorney's Office - District Of Kansas - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdjYyX3lNa2EyQ3dJY3hoRURGRnhTQ0FoTFBkaGQ3NGhmR3hnSW1VeENDek52ZDVoOVBpY2VZWkFlMWQ5OW9vRDJaXzFOb3NpZHFuVVJKLVJ1eEhOTXJEZmx6OEVZc3dzdHpQY1FrSGJkX191dTNrMU02OHVIcnlfbkE3U1Q3czdV?oc=5) · Department of Justice (.gov)
- 2022-02-26 [Alan W. Rolley - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1XU1FRRTlxSWJpVDNjdjl4UDg2YmJTZHdvbmJvYUg5M3kyUE0yLU5kT2tnT0RPemtRekNzcTRvcWg3WldlbGQ3M2NTT2ZqUXNZamFfbWp4VQ?oc=5) · The Topeka Capital-Journal
- 2017-10-26 [David Anderson Obituary Oct 26, 2017 - Cozine Memorial Group](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1VYzNRUzdIcGFpZllhVy1KRHRmMmFkUDZJcDB3Q0JVbkVLQ0V0TWpkWG9oOXlQcUlCVXdUS1lsOGYxUG1RUnliQUQ3cTFjQXctLTVFaVN2STVZVHBE?oc=5) · Cozine Memorial Group

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10505 (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/9.json (key "10505", 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