# BANK OF PARSONS
PARSONS, KS · FDIC certificate 13857 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $12.4M | |
| Deposits | $11.5M | |
| Loans and leases | $8.3M | |
| Total equity | $857,000 | |
| Loans / deposits | 71.07% (p48 of band) | 71.80% |
| Liquid assets / assets | 30.26% (p44 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.69% (p5 of band) | 9.80% |
| Unrealized securities loss / equity | 2.33% (p47 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.05% (p18 of band) | 0.68% |
| Net interest margin | 3.81% (p49 of band) | 3.84% |
| Efficiency ratio | 98.90% (p89 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.53% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 46.56% (p74 of band) | |
| Auto loans | $469,000 (5.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 10 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |

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

- 2026-07-01 [Pittsburgh mortgage lender Victorian Finance merges into Tennessee bank - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQcjM5azE5aTlRczZjU0JjczY5ZmxfdnZ0TXVDNEJlN0VqSDR4ZzkzRTlWNUpKSWFhZEo3UUlhNFJpRnMzWmpyejhMN1JHLW1lazFHdnZFYWdjUXl0anhqZGFMTTRFN0xFRk94RWJvTnExQnNwQ25DSUJGSWtIaElPTTVyUDdSd1VHYXhvTnNmaGpBdU02dFBYeHZJWnZEUQ?oc=5) · The Business Journals
- 2024-03-15 [Geraldine Kathleen Salomaa Obituary - The News-Press](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9CWDZHaExsbjdNY1ZaN2t5YUNnLVNyNzBkZ1V0UjJoRmstcXdrSVNvMnZYdlhLWUgwajZoOVZhdGkzVWlYNUM1RmxhYTNXUjRfbERNSjhKNURJZDd0Wmc?oc=5) · The News-Press
- 2024-05-17 [John J. Flynn Obituary (2024) - Parsons, KS - Forbes-Hoffman Funeral Homes - Parsons - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE0tNGkwalNmNjdCZUxpaTUyUEFyeTQyMkF6M1AzUmZkcF93QmQwa0x4QTNyU1VtQ2V2bjE3LVRlLTF3MjZKNndmYjhENmZzOGNueS1kTUtnRE1YZXhEZUoxWkl3Yk9jc09sS3dpczlLVmlqVm5vUmZYOC1RdThxdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13857 (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/33.json (key "13857", 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