# WILSON STATE BANK
WILSON, KS · FDIC certificate 12136 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $123.1M | |
| Deposits | $108.2M | |
| Loans and leases | $86.7M | |
| Total equity | $10.5M | |
| Loans / deposits | 79.45% (p61 of band) | 73.59% |
| Liquid assets / assets | 24.77% (p31 of band) | |
| Uninsured deposits / deposits | 16.51% (p37 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.44% (p61 of band) | |
| FHLB advances / assets | 2.44% | |
| Tier 1 leverage | 9.48% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -21.09% (p22 of band) | -6.57% |
| AOCI / equity | -0.41% (p48 of band) | |
| ROA (annualized) | 1.22% (p53 of band) | 1.17% |
| Net interest margin | 3.87% (p47 of band) | 3.93% |
| Efficiency ratio | 67.30% (p54 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | 0.26% (p94 of band) | |
| Reserve coverage of noncurrent | 24733.33% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $684,000 (0.79% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

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

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

- 2026-08-13 [Dennis Dee Suelter - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBxT3o1dVh3aFlIazQwbkFzUkNFekZoeU9kS05PUXpjUTJFUnZOVVpuNXF0WFBoMG5aVk5LT2hrM2NOUjZiUjZxc05hc2p5b3E3Uy1oakEteEZBOUlpLXhXT0VSVEkyMjFyb2tVYXl3UksxOVU?oc=5) · Salina Post
- 2026-05-05 [KSN coming to 21 Kansas towns on 2026 Summer Road Trip - KSN.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVGNDLUhfRlc1aU1vb2M5dkZ3OE4xc2YtUmdCTlR5VGZDQmU2NTlLRm42aC1MRXY1Y29tT25xU1FTZGxOTWxNSUxkLS1lMlpDWV9hN19wWEJNWE9qcmFDZThiVTRLWFFEWnkxVmdtN2tkcU9HcU45ZnJGUjN5Z1hRRXdqcG1maVRjdWNObFhIaUM1eHJVd3ZV0gGcAUFVX3lxTE9IMktXSnBlUDltSnRKa2JLdndkTXFyVzZXaFRtZmcwWjM3b1RwQ0VJejNLa0dxdkhmelFpTlJTR0ltV19zbUFNd25hb1dUc1dDSGFBM3BySlBkRXlJM0ttam9Wa0ZqOFJ2LTNtb1BSWDdwTFotQktGRDVBazM5LUtNa3RlMmhVTndYcFpmR3ZBTlhiOVhPSDZGenJPMw?oc=5) · KSN.com
- 2026-08-11 [Dennis Suelter Obituary (2026) - Victoria, KS - Cline's-Keithley Mortuary of Victoria - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNR2FkTTN2c2ZTM2xRa29fMFFBQUoxeDdoekV0RzdIWFo1ZExWb3Q3aHFfVkdUNVBESjMtUXpLYjc0MTJ3c1RFb1I0bUsyVDJ0X0xJV2U4bWhaVFQ5cHJsTzBrOEtlMEFBb0VJOXd4S0pVWWZyVHlRUjZRNFlVQ25jYXVQSQ?oc=5) · Legacy obituary
- 2026-01-07 [County commission renews memberships for 2026 - Great Bend Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSWFEck1Hak1PUi1YcExJS2kxUko5by0wUmdMRnoxZUx1YkZoWV8xSlRNdzZKYWJuX3hMelB2alVPLTFwS015dzRzYWh1aVdaVjhRbkI0V0xObjJSVlZqeWhfeTZJNjFFbFc1VzM1ODZTaUc3Unlha3Z3dkxaNlhDNTdXc3J3bWphODg4cl9QaWpHQQ?oc=5) · Great Bend Tribune
- 2020-09-30 [Wilson State Bank Announces Construction of New Bank - KRSL.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOaUFVNDFDN05tTzFGaWhoWjNEbGhSR3FaREFCYUhsN2xOdjlaQWFWcWVtWmI3anUzNEZpODJucFB0MF9Kblp6elFsaGlRa2Vzby1yeDJwdlYtejVIb0hVWTRWQXFDRm43ODNPalBhaTZQck9BMVpJV3hKRXlOMDNZN3ZB?oc=5) · KRSL.com
- 2020-10-19 [Senate panel endorses confirmation of Robba Moran, three others - Kansas Reflector](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcFc3OGF2bGIxbEl3R21nQ3dkUWdmcnlWWDJwTXRIZFhqTWtXSXk2SDgtZVVyTkxxNzNvdHYtX2Z2ZXQ5ODZEU004a2FpVExRS3g5cmg0OHEzR3BsMGNMUEZwVkZfekdDcUNnLW1ZZ0lXWjMzNmNySVZnOF9lVzdEbllGQmVsUWNwcjZuT2oxODdFQVhkaWdoMFV6amRZNkE?oc=5) · Kansas Reflector
- 2021-03-24 [Kozisek will head Citizens board - Ellsworth County Independent Reporter](https://news.google.com/rss/articles/CBMifkFVX3lxTE9DYllqbUVCRDBJNGRHSkZhS1lLWUdIcE0wSWJiZlh2ZW1Ycnp3QzdXNzhscGxkRC0tUkZfRnNfMUlCQTVRaTN4Z2ttd1EyZ3J2T0I2RXB1QkhWeVlGZDl1aC14aXdlQXE5OWd5X1hqcG1YWjdIY0R0VDJaNlZudw?oc=5) · Ellsworth County Independent Reporter
- 2026-01-07 [Darline Eulalia Shogren Obituary (2026) - Topeka, KS - Angels Above Cremation Services - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWDhNaW5TNVYwSTB2b2FFMG5YNnRUaThEallmbDg1d2VVTzhpaG1mRWFWSEVNMTR2eWlzRl9FQ2hRb1gxS3lNRFZpM3R0QWJzTXdzWWxEa1ZGOFkzMzBSaExub3Jzcm5ENTFkZ0F5OGtLbFNTTXhxYTkxUF9DVlBjTHpub18?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12136 (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/40.json (key "12136", 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