# BALDWIN STATE BANK
BALDWIN CITY, KS · FDIC certificate 10906 · 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 | $115.5M | |
| Deposits | $102.6M | |
| Loans and leases | $48.0M | |
| Total equity | $11.1M | |
| Loans / deposits | 46.14% (p16 of band) | 73.59% |
| Liquid assets / assets | 55.89% (p84 of band) | |
| Uninsured deposits / deposits | 23.87% (p65 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.30% (p55 of band) | |
| FHLB advances / assets | 1.30% | |
| Tier 1 leverage | 10.14% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -2.49% (p68 of band) | -6.57% |
| AOCI / equity | -3.98% (p3 of band) | |
| ROA (annualized) | 0.98% (p38 of band) | 1.17% |
| Net interest margin | 3.04% (p14 of band) | 3.93% |
| Efficiency ratio | 69.15% (p58 of band) | |
| Noncurrent loans | 0.04% (p28 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 3782.35% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 1.86% (p23 of band) | |
| Auto loans | $1.3M (2.65% of loans; DQ 12.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2014-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 | deposits shrinking, assets shrinking |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | noncurrent p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 | capital falling | charge-offs p90, reserve under noncurrent |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 4 | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 3 |  | AOCI drag >20% of equity |
| 2023-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2024-06 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2024-09 | 0 |  | NIM <2.5%, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 1 | capital falling | uninsured deposits leaving |

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

- 2021-11-12 [Jesse Brown Obituary (2013) - Lawrence, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilAFBVV95cUxQR3ZBd3hfSjlGLTZnMmtPLXRrMDlZVl83S2dwTWd1R0lpR0o1OF9CZl9jdWRfYkJ4ckpNNEQ0b0J1al8tb00weVN1Q2NDVnVldjY4MEQ2QVZFTFJoWXA5TktsZnNuUEJjR2NpSlVtSXFJLU9JWDktdnEtS3pwb29MNDNpZEUxaGhUS3FQZEpYejJoMmZh?oc=5) · Lawrence Journal-World
- 2022-05-03 [Carl Butell Obituary (2022) - Baldwin City, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilAFBVV95cUxOX0lZNXBqcmkxdlZUaUNrRU5wSnN4NzlOSnRCdF9pc3gwTGhKbm5vT2tWRGFCUXV1eUVDaWhFdHRXQ3g1VUgwZ1pycXhEeUJkVnduX3d6T3JXZXpFTERPcE1NNUNnVXdHWWJ0VzI4X09rWXJPOWNJOWNRa2VLYWlnX09KVEF3OC1HanFpUDJnR295NERz?oc=5) · Lawrence Journal-World
- 2025-09-11 [Ralph Marvin Earles Obituary (2025) - Lawrence, KS - Rumsey-Yost Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPR2RLeWhvT2swclFKMzJWbnk4NHF5UDBUZGVCck1yZ2RIMkttOEEtM0hMS0ctN3VpRHlEZFRaWUpEWEp0ZWlVNEZQbHNVZWItUW9YMjd2cExjRnJ5ZURUT1JfRW1jdE5LbUVuY2thWUdoNE42cnp1a3RiMzQ4bDQtcQ?oc=5) · legacy.com
- 2018-08-11 [Shirley Johnson Obituary (2018) - Baldwin City, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimgFBVV95cUxNUWRfRXVnMV8yTEJxZ3FqT2FDN1ZPN3FoaVpnVFNSYVp0NVBENHB5S0Y1OXUxN0pqaVlhdlIwUTJTUlRjMU9xU1hqTlFJQWNrQUFKVW9ycmxqWXEzdjJLV1hUNjVCLWk5Q3d3SE5MOHBRTXMtTk51d0F3Y3MwYWhCeGpHUjhkNWxOYnhDZlVodjBZbkZmVWI5U0tB?oc=5) · Lawrence Journal-World
- 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
- 2023-09-06 [Judith Anderson Obituary (1943 - 2023) - Baldwin City, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMmVuNnpQV3VxNXloYjRWajlibC1kTE5oemRmWGtTZ3FtYVU3bjRhdkh3QXdNRFl6ZnJKdHJXVk8zTDFDYWoxcDdhT213bjg5eUpMM1dIMEdEM090eXVpd0hWcVJRcmFEUjNPNzdWczl1ZTZWMmcyMHRQZG1uN09LNE5GWWYxRUI0ajBCZGIxZmxwdVI2RUdCODV3?oc=5) · Lawrence Journal-World
- 2021-11-05 [Roma Earles Obituary (1944 - 2021) - Topeka, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUWhQck5SRXJGbjhjUjhXTDVOZXd5b3VodFdkR0ZjWVgwNDB5OEJ0NGdQSEpwX2Vqem5UMTNKekRoNUZ6QnMtV2lQMWt0VmRTRDBvTmFIcGhoQkswZ0U4LXFOSkZXTFJleFplVEliMUY0eVctQ21TZ0dlV0xpb1RtMVRJa1hTSURwejRFUXBKNnZIQlJJ?oc=5) · Lawrence Journal-World
- 2023-10-28 [Judith Anderson Obituary (2023) - Lawrence, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimgFBVV95cUxNb1VkRU9qdnlEMTJvaEdxMDZxazBSN2NDUXNPLUQzS09HTzA0ZDUxNDBBZF9BYW1FdmlpcmRmUXhrYzFzRnZla3dWNUxWVkZxVmg1bXJmX0pKWG1jQ2R3bThLbHo2UmNVSGNZSEhQdWhnTmFmazIwNjB1S3FJaHRZbkJuQ0hhc3hHVXUyVzJDRGxVZUh4ZHV2bThB?oc=5) · Lawrence Journal-World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10906 (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/26.json (key "10906", 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