# STATE BANK OF KANSAS
FREDONIA, KS · FDIC certificate 10508 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $63.4M | |
| Deposits | $52.9M | |
| Loans and leases | $23.4M | |
| Total equity | $10.1M | |
| Loans / deposits | 43.48% (p12 of band) | 75.02% |
| Liquid assets / assets | 57.54% (p88 of band) | |
| Uninsured deposits / deposits | 29.18% (p88 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.00% (p84 of band) | 11.04% |
| Unrealized securities loss / equity | -0.39% (p77 of band) | -2.21% |
| AOCI / equity | -0.12% (p79 of band) | |
| ROA (annualized) | 0.88% (p45 of band) | 0.95% |
| Net interest margin | 2.66% (p7 of band) | 3.73% |
| Efficiency ratio | 61.33% (p26 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $311,000 (1.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 | uninsured deposits leaving | assets shrinking |
| 2012-09 | 2 | assets shrinking | uninsured deposits leaving |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 0 |  | assets shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 2 | charge-offs p90, assets shrinking | deposits shrinking |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 | capital falling | assets shrinking |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | deposits shrinking |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | deposits shrinking |

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

- 2026-02-19 [QUINDARO STATE BANK * Kansas City, Wyandotte Co., KS - Newspapers.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSERpcG05amRydjBhNWRZTlZicGQ5Q1ByU1dHM2MwWnA1cDduWFpxbENqRmprMDNCNUZqWDZ4NWVIRXRkQlB0U0Qyem5sNE5yTVM5M3lUNDZsZ3RYSkFlOEdDbFF0SG1kUEdfT1hGRldPU094MTBQU1l2MjVCOU14dGZGQWpyMnVoeHRWNA?oc=5) · Newspapers.com
- 2026-09-04 [After owner couldn't repay debts, NM bank poised for sale - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMTFsRjBrdzNMZXQ5SE56V29zM2NCSXQzRWhxeEpDTnN1WXBycnFhUnpPS2MwaFg4aThXTkdBNzVfTkhXdExxNTBwbGFLTTNXWUJhVnBMdzdPdHh2Q0QzN2t1TzNES20xQVJuamJyZFBKOTV4VDZlZHRGOUZsSUMyVzRLUlRpVVpfRGQxZ3YweC1qUXdqekE?oc=5) · American Banker
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10508 (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/12.json (key "10508", 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