# BANK OF PALMER
PALMER, KS · FDIC certificate 13710 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $51.7M | |
| Deposits | $45.6M | |
| Loans and leases | $22.7M | |
| Total equity | $5.7M | |
| Loans / deposits | 48.88% (p26 of band) | 63.26% |
| Liquid assets / assets | 55.61% (p77 of band) | |
| Uninsured deposits / deposits | 12.40% (p24 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.26% (p44 of band) | 10.61% |
| Unrealized securities loss / equity | 4.44% (p84 of band) | 0.71% |
| AOCI / equity | -6.86% (p3 of band) | |
| ROA (annualized) | 0.98% (p46 of band) | 1.03% |
| Net interest margin | 2.49% (p16 of band) | 3.29% |
| Efficiency ratio | 80.16% (p77 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | -0.07% (p5 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 52% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.2M (5.13% of loans; DQ 1.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 | reserve under noncurrent | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | capital falling, noncurrent p90 |  |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 3 | noncurrent p90, deposits shrinking |  |
| 2019-09 | 1 |  | noncurrent p90, deposits shrinking |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 2 | NIM <2.5%, uninsured deposits leaving |  |

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

- 2025-11-17 [Predicting Palmer amaranth (Amaranthus palmeri) soil seedbank longevity in field using accelerated aging test in laboratory | Scientific Reports - nature.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1ZZFFReWhVT1RIR0xfTWVKN1JpeXpZdWhRcDRxNGx0NUwzb1phWjVSWHdFeVpfZmVEbVRTMHg0QkprZEc4NEZpWG1wUzRfX2FENDgwc05sakJELWp1NHhR?oc=5) · nature.com
- 2022-01-03 [Roy Dinsdale Obituary (1926 - 2021) - Grand Island, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQVjRNY1NNNTFlNnRwZmRsSmVTeXJsRExFcm9MT1ZjS3VzaXcwSjU5TzVCaEMwUVJfVFN1blZlenBFR0xObUkzSGdRUzdXWHhvcnVSWUpVUDNvQVZoeFA0ZjU4NEpTUmhMd3NPX1JYZEVIbURHR3luLV82X05LUDJyOVhVSHIwQ2s3bUIzU1daTzVBa3hV?oc=5) · legacy.com
- 2022-01-01 [Roy Dinsdale Obituary (1926 - 2021) - Omaha, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSHNObFpnY2tFSlNmNnpxaTFRZkticWlxU1YyS0tlSzVnb3RQcmFtV24zSDVEaW1fTEI3OUlVcGc0b3k1ME9RbG5oWjZvTFZWMy1sQV8wTU9RSFZQb2VGZl9NMWZibDZfbmFEaDZ2SHJxUW1BS1lhY3BXc05BSTkyXzlERzlZcWZnOXoxTFRkSG8?oc=5) · legacy.com
- 2026-01-08 [Lorna E. Heitman Obituary (2026) - Linn, KS - Ward Funeral Home - Linn - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNd202TTk5TDM0bXBJcVREZ09CS2ZMcklyZnNlM0VzN2RxY2FvSi1IZEVMMnA2LXFSNDhCM2VPOGdzbEtfZU5KREg0SHF4ZlI1WVVSNlluWEJKMWhwT285aTZFN3NQNDlJQmY0RlhFdXcxMUdUN3ZSTm4tbnJJSWZSaGdn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13710 (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/14.json (key "13710", 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