# STANLEY BANK
OVERLAND PARK, KS · FDIC certificate 10916 · asset band <$300M · latest filing 2021-06 · 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 | $150.2M | |
| Deposits | $132.4M | |
| Loans and leases | $64.8M | |
| Total equity | $16.7M | |
| Loans / deposits | 48.27% (p24 of band) | 64.15% |
| Liquid assets / assets | 56.92% (p79 of band) | |
| Uninsured deposits / deposits | 23.71% (p69 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.63% (p54 of band) | 10.40% |
| Unrealized securities loss / equity | 0.00% (p26 of band) | 0.89% |
| AOCI / equity | 0.00% (p88 of band) | |
| ROA (annualized) | 1.51% (p75 of band) | 1.04% |
| Net interest margin | 3.14% (p42 of band) | 3.30% |
| Efficiency ratio | 59.36% (p30 of band) | |
| Noncurrent loans | 0.40% (p53 of band) | 0.35% |
| Net charge-offs (annualized) | 0.02% (p76 of band) | |
| Reserve coverage of noncurrent | 365.64% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 87.49% (p94 of band) | |
| Auto loans | $2.2M (3.36% of loans; DQ 0.50%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 5 | charge-offs p90, uninsured deposits leaving |  |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2013-03 | 3 | noncurrent p90 |  |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 3 | capital falling | charge-offs p90 |
| 2014-12 | 4 | charge-offs p90 |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | charge-offs p90, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 1 | capital falling | reserve under noncurrent, deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |

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

- 2026-04-09 [Karen Scott Obituary - Overland Park, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPRENjQnN1elRHb1p0T1RyUTJ5UTBpZnpFRWZIUVFqSmw3dE5oV01VdTlMbHh6NFExSElQLWJHWFN5Z0poSlFMblF1eklBaHBOaEVOQUVWT0VJYk01S1VPVERRQk93N250ZTNqZVI3RW85SzJ6bHhrbjJLT0RRdF9KcjE2MGVnLUU?oc=5) · Dignity Memorial
- 2025-10-22 [These 10 KC-area banks see loan portfolios grow the fastest at midyear - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU0htYlFDX2F6RjV3MjZpd3Nlc2lZaHYwQS1Wd2ZvY3dneC1Ea1RoUkQ0ZUNPVWoxekg5WVFLdnN6Y3RvajE4UE9PTXVIRzJYLTNFRWgwS1BJUnZpaVQybmlabDJJTnNDYjhSWGw0RzFSTVZIQUlDMlVvV0FhQlRhSkhNcDB6YmdhR3JiaVV0Ql94RS14UFhyNC12N2paVkNjdG1vbEhUTzc?oc=5) · The Business Journals
- 2021-06-15 [Morgan Stanley, Bank of America CEOs break relative silence on office returns - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxObTBOTk91dnZXLWVfRG05MkJpWlNVaVJoMUZNcmFMeXgxR0ZnZzFzVVFCTG5rbWxHT0p2UXVaOGhuMWNsb05WSndFNGpUQkhpc2ZZME4zRFBrc215R2Y5bGw1UFRmMlR3TW5GMnJjZ0JOOVZEN2NlcWNQM3BEeGJaWjVsUnI5T2V4UHZlMkQ5ZVF4eC1SWHJoYXBjN3VZZjRfYy1ZejNDRFVNVmduRVBCSHdEWVl0UQ?oc=5) · Banking Dive
- 2020-09-08 [Historic Stanley Bank building set to be sold to raise funds for Overland Park Historical Society's new property - Johnson County Post](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOZWZDOHhSSXotNkNHbkE5dlJlOFgxTERDZUpYUGtxZk5GUDJZN0M2VWFiSk96WXF0empHVmlhWUJGWDRiZ3Y1ZzZMdm5FM1dSek9jTDVVSF90RE05QlZNZ0JoWWlPTENpRV9qQ09CSXdZSWZSQjl6Vi1sekJYZ00wTC1sWUpSQm9qTjctN1UwSWlKS2ZJb3E3WENxWGtSVDZvZi1iVkF1Vi1VMjkyZ0x0UDJJS09lMTJJTm9PNFk2ZHdTNk42R3Z5LXlZRS1VeWFsaWFjNURvVTdoUFlSUFowamdFMW1oZUxyajNIQTNnWmpiQQ?oc=5) · Johnson County Post
- 2026-02-17 [These Are The 15 Largest Banks In The US - Bankrate](https://news.google.com/rss/articles/CBMiakFVX3lxTE5fcnd0NVBTTnZlemVrSDBaMUQtZVhrS09SM3VvMlJzcWx3cEJMZFFhZHR5TjdUaW5uR0J4WEIza0FDeHJwRFN3WVpCcENqc1VNRGRUbjdkajJuYy1TZ1JJNGxQVFlTeTJvcFE?oc=5) · Bankrate
- 2024-09-20 [Garrett Hunsperger Obituary - penwellgabelkc.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBTdUpBS1Q5N2hNRk1IX0JLTWJHSHh1enBja215YUs3SmhrOGE0ZTJiU3BsUkhIV2J3ODg5NEJyd08zVmsxa0xwNjFaWG43MUZqUHdLMFlveDk1bkxwUmxrSVM5VmFUanJPY002RA?oc=5) · penwellgabelkc.com
- 2025-07-01 [Blackstone's QTS Lands $1.5B Loan To Refinance Data Center Properties - Bisnow](https://news.google.com/rss/articles/CBMi1wFBVV95cUxON2xvZnZkOFpOc3ZUdFZJR21xbkoxYzh3SngwQUw5V3lnTHM0bDh2RDFsWG03RmgtTmNFUm5Fak1qcXZGNFhhcVR5a1NBUi1OcVBYcF81bFVzbHNteEVjcFRqWmduMWs2dmxDZ0FNTzZ6bjBZNXBqQWlrRlAyYlk2NmJhamtNZC02S09KUWE2Q1FOanZjS3drUmFkczNuaHoxMXRBWUUteXRXT1VOcHU4S29RQUl3c3JSZ09MSjREVXlUSEF6VE9VZFA5NFlFaGtVN21oVWFkcw?oc=5) · Bisnow
- 2023-04-24 [Peoples State Bank rebrands as Outdoor Bank to drive home its niche focus - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPYVhleDN3MTJJLUlDZDFIaC02SmItbXVJZ0NjOFJSYUdXY3dFRTFfSXpFWmJ6WGdUUWttQjM0TTFaVFd4b2U5NlhBemtYYnBUUkh2SHpKb28yU3c3T292dEMyNk9FMS1xWks5NE9CTE52X2c5b3oySEdlTHRaNUJDcDBBcW0xSjdDZTBHTHJOcmduZGloeGl5VUtQMWhNZzl0TVV2b08zQVBVV1VQYUE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10916 (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/36.json (key "10916", 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