# COMMERCIAL BANK
PARSONS, KS · FDIC certificate 11777 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $382.2M | |
| Deposits | $354.2M | |
| Loans and leases | $175.0M | |
| Total equity | $25.9M | |
| Loans / deposits | 48.75% (p5 of band) | 82.04% |
| Liquid assets / assets | 52.11% (p93 of band) | |
| Uninsured deposits / deposits | 26.20% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.33% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -44.10% (p6 of band) | -8.10% |
| AOCI / equity | -4.42% (p1 of band) | |
| ROA (annualized) | 0.82% (p23 of band) | 1.28% |
| Net interest margin | 3.49% (p27 of band) | 3.91% |
| Efficiency ratio | 70.80% (p75 of band) | |
| Noncurrent loans | 0.72% (p64 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 185.12% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 14.18% (p19 of band) | |
| Auto loans | $13.9M (7.95% of loans; DQ 2.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 4 | capital falling, assets shrinking |  |
| 2022-12 | 5 | noncurrent p90, deposits shrinking | capital falling |
| 2023-03 | 5 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  | noncurrent p90 |
| 2023-09 | 5 | noncurrent p90 |  |
| 2023-12 | 4 |  | uninsured deposits leaving |
| 2024-03 | 3 | reserve under noncurrent | assets shrinking, deposits shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2026-03-25 [Strong Farm Loan Demand Supports Ag Bank Earnings - Kansas City Fed](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOQnhoZlhzdkJXdTF4aDM0SDZwRDliQzAtUlBmOVJmWDRNOTF3Wm5jTFZhdkJZRllQczNtOERxSmFwcGRiRTBMWFpaV3gxSUlwZHVveXlCcWo4QkxUT2Z2ODl0VldsSjlKdGZZQjMxZlUzLURZbUhBX1B1VG05a29PX0tEMHRvdlFpSUhUNm9MRjVIa1Z4WXZ0RkFtTkpocGNJRHpzb19BVFpRSm83M1pJZExwdXhleTVoVHJEUWdsOFE4NVl3Q1lxZGxOenoxU1RUVWg4SWdyWQ?oc=5) · Kansas City Fed
- 2026-02-26 [KeyBank wants 10% boost in its commercial-banking workforce - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWEppa20wSWk0ZzlrLUZPQ3N4Z2tydU1FWjNGbUtneXIwYjZJaHJXTS1sR3dzWVpnaFdlVUdTMWtuZXNtWjUxOGJPaWxUdHFUNUFqbDU3UkhYSjI0QlotR0JvaXE3S2I1ZEZ1bHh0dk9ISFB2Y2xoQzAwVzhCQTlaVnRtTEdYM1FhN1E?oc=5) · Banking Dive
- 2026-05-20 [Citi names new leader for commercial bank's Southeast region - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxObThHZ1RJS0JxekFOZ3VvRXFOdXRfWEVXWnlBR0xpZjdhRlBCbUtEbVNVVzdyZmxFV2l2TGlkS3NBamVCYWVqdFRmRlNsZkY2bnBFYnRpQ3VYZXc2QklNbUNlT3NpTldIVFM1UjdCaTZ1LURCZ3NJQUY5V0hiNG1lY0g2aElOYmFwR2ZsZWpRRjhqNG5SOWF6V08zc1JFSFh4b3htYw?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-27 [Associated Bank CEO wants to pave ‘highway to private wealth’ - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxPaFJ1bzRFVXJiWjBjcmdUYTZXQ0JXeUJFc0ZtbHJwSk54UnZpWk9WaWotU0g3MW1HdjJEdWxxQ1pqNk85V2t2QU5WRm94WjJXZVduaGxYSjRsd1VTbE9aQU1tY1VQa2lQazNIeEZTQmcwSmFaRy12VmRmcnVEVmZWOFBwakJGRlJ5cFlCX1FlYzJpNDk3OFU1cmJ2X1o?oc=5) · Banking Dive
- 2025-12-17 [Tighter Liquidity and Improved Earnings at Agricultural Banks - Kansas City Fed](https://news.google.com/rss/articles/CBMivwFBVV95cUxOVFFqUWlaYmlmU0t1MlQ1Y0YwQXhvaXRROHE4cHREdWQ3RXNwekwzd2sxYlVDSUFIdDZlMHI0Z192b2lzNXB4MWFUYlZBSXd6NEhVZHo4ME5hNDliZmRhenVZQTJxU3R4ZHpWQTliZEphdnJ6cDRIYzd3YUFMMlJHendqNGVmZEQtZ0dhZUpXUnNqcWJBdHBYYmZFUXpWVkw5aXRMTFBveTdxZ3hmZ0Z0TWhtYjJKSXpDbnF0cGlxcw?oc=5) · Kansas City Fed
- 2026-04-20 [U.S. Bank names first new Kansas City market leader since 2016 - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOUWdseTd4enl6bzhHN2ROdU5aSS13akNkT3dmM3lEWFdscEd1cG9ETHZEMzE5djZiVEFjNzAzRFFnY2JoLVo4Z045VzRCNGVPOUNLZW41VWR2cUNaOXFOSi1RWmdCV1pKejVTVEpBUGlYbzhxU1ktaEg2YUltZ3RYRmwyb2J2dVpRWnZ2TjdydlcwRmRvTm1JUmUzNGlEcF9mbEd3OE41SmpNQQ?oc=5) · The Business Journals
- 2025-10-29 [First Business Bank - City Lifestyle](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBzQThEdUpkc0U1WURiMkdvS25uSVIzUjVoRmRnOXNTSldhMlBWSW9HNlUzMFBSZ1pQclVNN0gycmF2YzNQbXhWUzlobmVfMHBkckdIQUhrWXZhSHpBdkxqSjBjN0o?oc=5) · City Lifestyle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11777 (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/1.json (key "11777", 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