# OLPE STATE BANK
OLPE, KS · FDIC certificate 13697 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $47.5M | |
| Deposits | $38.3M | |
| Loans and leases | $20.6M | |
| Total equity | $6.8M | |
| Loans / deposits | 52.85% (p32 of band) | 63.26% |
| Liquid assets / assets | 55.05% (p76 of band) | |
| Uninsured deposits / deposits | 14.73% (p33 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.68% (p78 of band) | |
| FHLB advances / assets | 4.68% | |
| Tier 1 leverage | 14.07% (p81 of band) | 10.61% |
| Unrealized securities loss / equity | -0.10% (p23 of band) | 0.71% |
| AOCI / equity | -1.92% (p31 of band) | |
| ROA (annualized) | 1.25% (p63 of band) | 1.03% |
| Net interest margin | 2.33% (p12 of band) | 3.29% |
| Efficiency ratio | 68.43% (p53 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 57% | |
| Construction % of loans | 13.26% (p48 of band) | |
| Auto loans | $874,000 (4.25% of loans; DQ 0.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## 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 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | deposits shrinking |  |
| 2014-09 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 0 |  | deposits shrinking, capital falling, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | charge-offs p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 1 |  | deposits shrinking, assets shrinking |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |

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

- 2025-03-23 [Rosemary Fladung, Age: 98 - porterfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9fZnVCR2xETHpIcjJpeGk1Qnl2eVBiN1V0eFppVV9ycm9MQUFVT3phU3Y3Sld5VE9HX1pfcUlfSG95RDZMRWx2Z1FxV0JkM2taSEdmZnp1MWVuRzh6MkJnWk96cW1nMVBfdmdVYjFrbU0?oc=5) · porterfuneralhome.com
- 2022-04-11 [Claire Elaine (Rathke) Kimberlin - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxQOWNBSFU4dWFGYjlPNUcxVFJ5TGpyVS1Fdk9CdERpU0RiLWlwcGctX2RDSWtKaWZFUmJHWnFpdzdmcVZHaVpFU1R5andYb0pjMVk2a0hIVUFvcklEVlp1SjdZTTlucXlzODBEVjNIalA2Q3FNRFZiTmt3aWliUlduQmVlN2Jtb05lUUxGWlJR?oc=5) · Emporia Gazette
- 2003-02-15 [Bank president helps nab suspect in Lawrence heist - Lawrence Journal-World](https://news.google.com/rss/articles/CBMicEFVX3lxTE5KalZMaG9VZF9FdWVNeXdXTGlnd3R1RkVJQ3h2ek9vbkxKWXBfcFhNUVhSR1BFZmpsT1M0QmNua3RwS2RqeWtsT2RDN1FTajJvLWF3dnp1Y0JRR1owTXd3QWtrNzZZR2tPU1Ita3hyRy0?oc=5) · Lawrence Journal-World
- 2025-03-21 [Rosemary Fladung Obituary (1926 - 2025) - Overland Park, KS - Kansas City Star - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxOOWhCcXBla2YzeE1YajYyUkJlTmw4YThtR2V5VURxUEhuNGVCTk1kakVZSlhKcFpCeVZlVGtQTnVqS0JCVnVwV2MxaURqMkkxdGJVZWhXUTJFcU9tUTZNV1VvTWJfNFprNmxqckhBVHEwWGt0QTBVZjFpX2FDWTJvVmNzWld3QTh2NVp3dE5MZndpMVpv?oc=5) · Legacy obituary
- 2022-03-15 [Planning Commission tables rezoning request - Emporia Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxOTV95Y1BHaDlDaTJ0aEotdl9ZUWM4cTJMdmwxRXRTX3E3bDY0WnY4MmVDSUJzYnJOS3ZxU0dPNmw1N0pfcjhSZU9CYjI0NlNXYlh3Z3ozNHg5YUZYMUU0dE9TR1JjWjV6U3pGamFPX0Y4ZF9fV2FSNld0ZHkxN0puMWpQd0IxZFV0SXQ5bw?oc=5) · Emporia Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13697 (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/1.json (key "13697", 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