# NEKOMA STATE BANK
LA CROSSE, KS · FDIC certificate 13603 · asset band <$300M · latest filing 2019-03 · 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 | $41.2M | |
| Deposits | $37.1M | |
| Loans and leases | $11.6M | |
| Total equity | $3.6M | |
| Loans / deposits | 30.63% (p5 of band) | 76.50% |
| Liquid assets / assets | 70.28% (p95 of band) | |
| Uninsured deposits / deposits | 6.81% (p13 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.98% (p48 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 8.22% (p5 of band) | 11.35% |
| Unrealized securities loss / equity | 0.00% (p69 of band) | -0.33% |
| AOCI / equity | 16.36% (p100 of band) | |
| ROA (annualized) | -6.96% (p0 of band) | 0.99% |
| Net interest margin | 3.06% (p13 of band) | 3.80% |
| Efficiency ratio | 82.98% (p80 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.78% (p98 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 57% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $215,000 (1.85% of loans; DQ 0.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.0% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | noncurrent p90 |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking | capital falling, noncurrent p90 |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | brokered >10%, capital falling |  |
| 2015-06 | 0 |  | brokered >10%, capital falling |
| 2015-09 | 1 | wholesale funding >15% |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | brokered >10%, deposits shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2016-06 | 0 |  | brokered >10%, deposits shrinking, uninsured deposits leaving |
| 2016-09 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | expense ratio p90 |  |
| 2017-09 | 1 |  | assets shrinking |
| 2017-12 | 2 | brokered >10% |  |
| 2018-03 | 2 | capital falling | expense ratio p90 |
| 2018-06 | 1 | expense ratio p90 | brokered >10%, capital falling |
| 2018-09 | 2 | securities losses >30% of equity |  |
| 2018-12 | 0 |  | expense ratio p90, securities losses >30% of equity |
| 2019-03 | 5 | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2017-05-30 [Nekoma might be a dead town, but the bank is still open for tours - The Hutchinson News](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOUzBCLXVHLWZCajlMbEw1X2pYbDhkZVpqQmtlN2dqZVBfUGJWZEJRcHdvcVJHQU1UWXF6UkhEbjM0eFBUblRwbEpLMU9JMFprQUMxU3lyODlGdHEycjdEMUlVNGItczVrVVRSa2tqMzdvSHQzbVB4UUxmY0ZIbXRzNGtNM2tDSGlkUTdnTzNVTDltbUNXM3dBdFhjOW9wZzk4YTRESHBRdEdBRkdpclA4dU1XeGU1cjR6RU5ZdUd4dGtEazJFbzJ4eWpCVldiRzd3dHY5RUlB?oc=5) · The Hutchinson News
- 2016-05-19 [Photos: Nekoma, Kansas, through the years - The Hutchinson News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPOE5zN0VYTURWNmxiTGV1Ri0zYkhtSDQ1V3JvYVcwUmtQZ3FSQ2lSNHJ4TVRXOHAxU1BoZUJxc2RuUGhBbXdNcG5HajU3NXYtcnh1Z2czNUFWeWV1dk53R09jUmtya3RtX2E4bk0ySUVYamsxSk9Odmk4Qm15eDFJR0o2bmpXcXJPM0dyVUREM0t1cFNuS0lmXzhIbmN0NXBWcWpBN1I3ZldEd2lyQUZjUmlEMm1fMlBUT2xvUGR3?oc=5) · The Hutchinson News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13603 (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/35.json (key "13603", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide