# MONTEZUMA STATE BANK
MONTEZUMA, KS · FDIC certificate 12692 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $97.1M | |
| Deposits | $91.4M | |
| Loans and leases | $31.5M | |
| Total equity | $5.6M | |
| Loans / deposits | 33.84% (p7 of band) | 69.26% |
| Liquid assets / assets | 66.44% (p93 of band) | |
| Uninsured deposits / deposits | 28.41% (p92 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.50% (p2 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | -6.72% (p31 of band) | |
| ROA (annualized) | -0.87% (p4 of band) | 0.76% |
| Net interest margin | 2.07% (p4 of band) | 3.63% |
| Efficiency ratio | 85.71% (p74 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.94% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 21% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $173,000 (0.55% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | leverage <7% |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 3 | NIM <2.5% |  |
| 2013-06 | 4 | AOCI drag >20% of equity |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 4 | losing money, assets shrinking | AOCI drag >20% of equity |

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

- 2026-07-12 [Danny Davison Obituary Jul 12, 2026 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9oSDFmTVp1QU9TNHpGclFjTXJhOWhURUx4bTk0cVRaOE1UT3dnNmlxRGJBVmc5TENTWjRBcGxhRmlnUFVEUUVxbFEyaVRUdG9hQW5MaHpJY2l4VEc3YlJ6V25SSk9xeXAw?oc=5) · Swaim Funeral Chapels
- 2020-11-19 [Sale Barn Owners in Kansas Indicted in Multi-Million Dollar Fraud - drovers.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSFhkcXNxQTlsdVJ5MUhROWMtajgyTndSVnVWSi1kUEVjZ3hkQ0tpV25yX0pVblcxcXNHb21kTk1BWXVuSjJIb3VEbTg5TW41Z3NwOTZnYjVYeXNTbnBzUlV4THpWWm5RQm9kTGlrN2RLQzFjdXZxT2JacDFJVGlNN3BicURmMDlSMF92clhnb0lGdw?oc=5) · drovers.com
- 2023-10-06 [Derk L. Hedlund Obituary Oct 6, 2023 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9xanFnYVNPcWtWeVBtYXZYSUtjS2QyY2ptWHR2bUw0cnNRY1ktWFBoeDkzalBvdlJMaElWYUw3S0Z1cG0tdUFzQk54amJFd3NSa09fV3JjV0RJak1MVGhobWxpckxkUHM?oc=5) · Swaim Funeral Chapels
- 2023-10-06 [Derk L. Hedlund Obituary (2023) - Dodge City, KS - Swaim Funeral Chapel - Montezuma - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNc2dWQzFQT0dvdWhQel9vckdzWDdya2VjbGlpYTJMa3NXRzVGdms5bEVpQTJscTZLUzN6SWVzU2tWYW5qWmhteURscFNUN0N4WHMwM0lKNWFabW5UVlNja3JaTl9sUzJxdnpza3o3blRfRFQxVGtxcjIzcFNONHl0bQ?oc=5) · legacy.com
- 2007-11-04 [Chris Hedlund Obituary Nov 4, 2007 - Prairie Rose Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE1PY1VCTXF0M2VmTkdWal9xcURoMW1Kam5QdGhCX0xIU0N3cFMzeFJSZXdMOWo2TnJPLWVadDhyVzM2eTh2MllWcDF2WDhtWEJMWkx5SEZPR1lxaDFiUjI2dDFISldmeTBYUmtlenVsWEdFQQ?oc=5) · Prairie Rose Funeral Homes
- 2025-11-22 [Clete Shane Cook Obituary Jul 1, 2016 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1jeXVoNEMwc0ZjMHdidGxhdkIzZGdmMlhDRUZwY2hJTDFucmZkN2VkTF93UnNILVgzUWs3ZHlEbjhUcVBvVGxsR3JsUUZRcU9qSmd6MHIzSDRnaHdUYjVQLUlURmg?oc=5) · Swaim Funeral Chapels
- 2023-11-14 [Jack Allen Borth Obituary (2023) - Dodge City, KS - Swaim Funeral Chapel - Montezuma - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE44MUVZOUZxX0VqdFlJT0dVbDNYM1phMXhXTFNqUS1uUjM1VlI1b0JYckNoWUlvXzBxdGF0VWFkZHdwQTU1OGFCVm9pazRDZEZmN3NzMjlha2RWSUJDbFM2SjZXX0t4Y3RvSXJEbTFkSWN1bnBmdTVQanBWLW1xQQ?oc=5) · legacy.com
- 2023-11-14 [Jack Allen Borth Obituary Nov 14, 2023 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiZEFVX3lxTE4tS3BNejQ0dFkyUE1RR2ZzVThTTVZqSFgyTFdFWUdIX2VoQm1ySTFTZVczX1J6Sk1aTndodEdSNjJBRlVaLVd1X2dhc0lSU3AyaEZtSnBFVkxGZkRuaEZzbGluY2k?oc=5) · Swaim Funeral Chapels

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12692 (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/20.json (key "12692", 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