# KANZA BANK
KINGMAN, KS · FDIC certificate 13157 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $258.5M | |
| Deposits | $226.9M | |
| Loans and leases | $186.2M | |
| Total equity | $19.3M | |
| Loans / deposits | 80.91% (p67 of band) | 70.65% |
| Liquid assets / assets | 22.49% (p24 of band) | |
| Uninsured deposits / deposits | 14.96% (p32 of band) | 19.26% |
| Brokered deposits | 0.38% | |
| Wholesale funding | 3.89% (p66 of band) | |
| FHLB advances / assets | 0.58% | |
| Tier 1 leverage | 8.50% (p8 of band) | 11.50% |
| Unrealized securities loss / equity | -24.24% (p29 of band) | -11.46% |
| AOCI / equity | 2.45% (p68 of band) | |
| ROA (annualized) | -4.60% (p1 of band) | 1.00% |
| Net interest margin | 3.41% (p38 of band) | 3.68% |
| Efficiency ratio | 811.35% (p100 of band) | |
| Noncurrent loans | 0.03% (p30 of band) | 0.28% |
| Net charge-offs (annualized) | 0.02% (p76 of band) | |
| Reserve coverage of noncurrent | 4825.93% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 1.36% (p20 of band) | |
| Auto loans | $1.3M (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | wholesale funding >15%, capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 0 |  | wholesale funding >15%, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | assets shrinking |  |
| 2016-06 | 0 |  | assets shrinking |
| 2016-09 | 1 | assets shrinking |  |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | charge-offs p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 5 | losing money, expense ratio p90, deposits shrinking, uninsured deposits leaving |  |

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

- 2025-06-27 [Peoples Bank and Trust completes Kanza Bank acquisition, boosts assets to $1.5B - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQMHoyMzR6XzN0Y1FEeHItanRsa2VTZEdweDBOdTJzdE0waHVYU3dIU3dmcEh4WDRfejBDSGdEdU55SzMtN1UzQnhaTTVwMEwyZVBIT2VqMGtNbzdzQi1hX1lrNFNiZ3MtX3ZTbm9GT0R4b3gyRUFsWTZNWlN6d2pIR1BfNVVNY1ZuMU9GVktIZ3drcC1zaWJwNDhKN1pYWVYtaUE?oc=5) · The Business Journals
- 2024-09-28 [Peoples Bank acquires KANZA Bank - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE5lWk5fQ0JMWWk3dVFHZ0tsdWlQQ1pnUHluZm80TzNpTHlUeHUyVTNVYXBxcHVJVk1jZDFnQ09PeVBPOVJVRUp6ZXBxMTBlMi1ELUxqNHFoSDUxVTlPZTZlR1A5TXZvcl9JTFo4bWw1YURhZw?oc=5) · Hutch Post
- 2024-09-27 [Peoples Bank and Trust expands Wichita presence with Kanza Bank acquisition - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNLXVxWkpRTlBMSFNsU1Z4ZWprQ2VhMWxWY3laZ08xOXJ5TzJObEV5WXZGRmF3RHdLc3RMNTlOSlFkT2dsMHl4c3E0T2F3UUxRcU9HWTNwczF4cVI0anhDX0dVQkgxb1pCWGFFc3hWM3U1RzYtWk9oM2M3T3BKMWlJZnpjQmJXdlpjRjN1ZWlqV21xV09TZE9v?oc=5) · The Business Journals
- 2025-09-18 [Wichita finance sector reshaped: Mergers, expansions, and new players shake up local banks and credit unions - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZWw2bWZWMElsZ19nVnFGUFQ2eWVNckNEaEJaRnhyRjFvS1J4VDdrOTVEcUkzTE5keDg2WkhBZFZoQXI2MElHUjIzR1NobW9MOWdnb2lMMzY5RlVyRWp4ZkEyYXRDV0QwN1d5VjN3MFBuVjFhQUxfUXpLVzExLTVMd2tnajNxUGFzUGVqUW5rc3hTTE9DMjc4V0VnamRLek1pYXg4NjZmeEtldw?oc=5) · The Business Journals
- 2023-08-26 [Tina Woods, KANZA Bank - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTG1vaWhjNE1WMS00Yk1WZnhSWXcxeWVwVHRyby1VbEFuZVJaLTl3YjhYNWRXZWZSUGxTTS1LZmEwS0RNcV9kMDZlYjVvd0syYVhsR1VXRDN3dW1pRkUzRi1OLW5WdTJ4MHpZNUlNRGxEVDFMTUd1X3V3Z2xRMkFmdW1kRTkzMktZeG50NkRrTUdvLVNRSDU4MC1ERGw1R2VKLTFQUUlVUXcwVVlwU1NN?oc=5) · The Business Journals
- 2023-05-11 [Kanza Bank adds new Wichita-based senior vice president - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdGpEM2I5bHB2d0lTYUlxdnRrQUdQZzZ5bnpveHZvWWVRU0dNczF0V0tfczNXekFFRFJPZmpxUWFibVBvQ0ZQMXlieEgyQ1V1cFA1cE5RbmJvRU5lSEU3a0lHX0pKZmhDNTE4MXZCQ0stX2lnblRyanlkYzVHOVhsTVVNN2Q5bm50V1pPVktvakNGYWtPUlR3cGNiV2o?oc=5) · The Business Journals
- 2022-10-25 [Familiar face joins Kanza Bank as chief lending officer - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTXNtT2dtdDV3ZGpvSjlQSlZkMjlvc1ljUWp0SXFDUWZ2MU9yMm4xek03ckkwZUgxLXdFbVpwMFg1OENENHpkakhMOHpxelF3ODFObmhpbUNjNDZzMkZZbEItUGwtMW1CZDBHZDdlWGdDdjJ1aG1HUEtTLUQxbEo3SXNxd0w5Nk9vLTZjUVk1dVZCbUIxQTlFaWdXWFlINzBub1E?oc=5) · The Business Journals
- 2021-07-30 [40 Under 40: Michelle Green, Kanza Bank - The Business Journals](https://news.google.com/rss/articles/CBMixAFBVV95cUxNSXlQVl9EQmdQbnY4eXdDeWlfblliX2x3MDJKSm5DSkJob1cxR1F3UmtnTXR6ZTgwQmdFSWYxSDZmR0pOcFUyTzBua0JyY0xBOVpyYW5Iaml1SEdsUl9LUVhYc21qUlBVNU1ZclFZS2hxS1RuSndqUFZZcy12N1pYMVdrNUMwT0l1c193cklxR0VFTzE2emdZS2RCc0VwQXpicDJaazRUMzVzV1BEcU12c2FwOTkwM1oxa1RORFNOS29LSTlf?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13157 (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/37.json (key "13157", 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