# TAMPA STATE BANK
TAMPA, KS · FDIC certificate 13584 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $60.8M | |
| Deposits | $49.7M | |
| Loans and leases | $27.2M | |
| Total equity | $1.9M | |
| Loans / deposits | 53.44% (p23 of band) | 72.79% |
| Liquid assets / assets | 54.77% (p84 of band) | |
| Uninsured deposits / deposits | 16.35% (p37 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.81% (p89 of band) | |
| FHLB advances / assets | 14.81% | |
| Tier 1 leverage | 3.09% (p0 of band) | 11.81% |
| Unrealized securities loss / equity | -0.37% (p80 of band) | -7.16% |
| AOCI / equity | 238.10% (p100 of band) | |
| ROA (annualized) | -8.45% (p0 of band) | 1.07% |
| Net interest margin | 2.90% (p14 of band) | 3.81% |
| Efficiency ratio | 96.00% (p91 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.35% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 3.18% (p25 of band) | |
| Auto loans | $941,000 (3.46% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **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 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 1 | deposits shrinking | capital falling |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 1 |  | deposits shrinking |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 1 | capital falling | uninsured deposits leaving, wholesale funding >15% |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | wholesale funding >15% |  |
| 2019-09 | 0 |  | wholesale funding >15% |
| 2019-12 | 1 | wholesale funding >15% |  |
| 2020-03 | 1 | capital falling | wholesale funding >15% |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | wholesale funding >15%, charge-offs p90 | capital falling |
| 2021-12 | 2 | noncurrent p90, reserve under noncurrent | wholesale funding >15%, charge-offs p90 |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | wholesale funding >15% | capital falling |
| 2022-09 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity, wholesale funding >15% |
| 2022-12 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 4 | wholesale funding >15% |  |
| 2023-09 | 6 | AOCI drag >20% of equity, deposits shrinking |  |
| 2023-12 | 7 | charge-offs p90, uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 8 | AOCI drag >20% of equity, assets shrinking | uninsured deposits leaving |
| 2024-06 | 9 | uninsured deposits leaving |  |
| 2024-09 | 4 |  | noncurrent p90, reserve under noncurrent, deposits shrinking, AOCI drag >20% of equity, assets shrinking |
| 2024-12 | 5 | capital falling, losing money | uninsured deposits leaving |
| 2025-03 | 2 |  | charge-offs p90, capital falling, losing money |
| 2025-06 | 2 | assets shrinking | wholesale funding >15% |
| 2025-09 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, deposits shrinking | securities losses >30% of equity |

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

- 2023-01-20 [20 community banks with the highest returns on average equity - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNR1ItODRmREg4Z2FfRExlTXpzdWZ0Y0d0UU5QNk1tV2NOb1RCWWU3U1JYMl95N3Q2WTVTRnRsVmtiX3AtSTNzMk1YV2dUcS1KOFljVG42NEdKbG5KUUdsR2pKczFTd3ZfQWlRUUFORllnc1c3MmFyZFNzcEdVY2ROMWo4REM5eFlZQWJqQzJjVzlndE5hT1hObWU5bDRiZw?oc=5) · American Banker
- 2023-07-13 [Christopher G. Costello Obituary Jul 13, 2023 - yazelmeglifh.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5EZy1FWkZRdGtCSWpQWmg3OVlncGd5a0pHYTZzNmE5R0NRLXFzc2RCdE41ZGQxVGNVQ3ZaSHZic2RLYS1NVUdiclRVUFdfOTRYNThxRmRyelFaSEdvdUYyTEl4VTdWSUJwNlByZw?oc=5) · yazelmeglifh.com
- 2023-03-20 [SVB and First Republic's problems aren't going away. Here's why — and if you are at risk. - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZlFMMkljWDFvel9CVFR6b29RQ2FnMVJadjUzYUpZa0RMM0hJV1VNM0RDTzhraWVSWk1qSl81dW9ZWGRxMkRjb1diMlNoSWV4S09Yd01OazZSTGtZQVdrRkpxUC1rb3AzbFRDeHIwM2lmTFhPYWRwOUVuZVFjbHE5S2hvNFVaYzlySjFV0gGQAUFVX3lxTE4xWWRNTXQyTWlVU0lhbGh2SUIzWHQzTzdSdlRCXzE4RWhUbjJBeVItVTNSQnhOWE93eXdqM2lubmc3QXRyeUhaeEl4alRHX18wZ1NycnQtb0JkTzRPbEpVQ0FsYm5CUTRCXy16ZlprTFMtdXdxbGlmRFlpTWlVY0RKcFhsZnlFd1Q5Y0ZTdXNfOQ?oc=5) · CBS News
- 2020-11-30 [Dolores K. Duggan Obituary - patriotledger.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPaTdrUWFvbm9CeldKQUZBYzVUdm8wMjFOS3d6RXdHZTR0M2paREFNUFRaODkwNlhsTmlFbm95M1d6ZE9pUWZiM0paSmR4MjFWMG9DeUdFTG1ObnlzOTEwckNweUVYcGVqaVdZMl80Ti1vcUVGbmY3OVJKNjh1V0JhUzc1RXJ0UFlFSGNDZU1n?oc=5) · patriotledger.com
- 2026-09-05 [Lola M Blythe Ware Obituary (2026) - White City, KS - Yazel-Megli Funeral Homes - Herington - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQbmE5eThmWGRyaTVLQWdqS29xendvT19jVWVZVVJGQnFDWnpWVmo4aEVDSWhoNVdhbkt5bS05RHZpTGhyek4xRFI1aVdNam9RbjNCVHhwVXl3dmpGU3Z3OHlnZmY4YTlpNU9XNXRvZHgzeGh2Q2ZvMXRyLURzZ25pbEkwZTk5UQ?oc=5) · legacy.com
- 2023-09-02 [Sheena Kauffman Obituary Aug 9, 2023 - yazelmeglifh.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5vNGJrYThSS3QwOHhCQjFzTTRUb2Y0ZWhiSnZIMTBGVGptaWprd3VtWnBrMHB0Q1B3ZG1BZXMzVFIzckVrREVxajJxRjlYYkMxOWw3Nm1TemN1bGtUWmNfZ0tIMWdlQQ?oc=5) · yazelmeglifh.com
- 2014-08-16 [MARY COSTELLO Obituary (2014) - Marion, KS - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZ3hqN01OdWkxX3BtWE5NV3IzVVZNWWNPVmprYlk2elNIckVvM3U2WmE1TFpJVC1YdzhPWFNTOEcwUjhNQkRic0EtZUgtYWsyVXJPU2RQN0I4TUNnVkFZemthVFJTU0IxQ2l0MlMyQVlmYTVMR3VWdmRDTWdBWGlGMFc2THNtaHFPXzNnQ1RjQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13584 (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/16.json (key "13584", 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