# ROSE HILL BANK
ROSE HILL, KS · FDIC certificate 13881 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $317.9M | |
| Deposits | $276.0M | |
| Loans and leases | $208.1M | |
| Total equity | $35.2M | |
| Loans / deposits | 74.69% (p29 of band) | 86.00% |
| Liquid assets / assets | 28.37% (p66 of band) | |
| Uninsured deposits / deposits | 22.13% (p54 of band) | 21.20% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.82% (p29 of band) | |
| FHLB advances / assets | 1.82% | |
| Tier 1 leverage | 9.45% (p28 of band) | 10.47% |
| Unrealized securities loss / equity | -4.58% (p29 of band) | -2.60% |
| AOCI / equity | -2.13% (p35 of band) | |
| ROA (annualized) | 0.86% (p29 of band) | 1.09% |
| Net interest margin | 3.60% (p41 of band) | 3.71% |
| Efficiency ratio | 69.05% (p60 of band) | |
| Noncurrent loans | 0.04% (p11 of band) | 0.52% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 2109.68% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 77.12% (p79 of band) | |
| Auto loans | $1.7M (0.80% of loans; DQ 0.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2018-07-18 [Rose Hill Bank CEO Cuy Mauck’s position eliminated with American State Bank merger - Wichita Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxPbVVFOUtkeUVmal9nSFdXV0lNMUxSdnpBTmJSOEJ4bm1XeG5zTkhnQTZqdFJtU2N0aXFTVFRfRC00TmhzN1BBa2FzelYwcWVOcVB4dWFHSUk0anZ2NHV3NU1KUmJZNDZDa0NIUzZ1YzZfNzlaQ3VXNnkzaXlBa2otMk04ZFpuQkU0UXJFMm5IYVRfNjNsQlHSAZYBQVVfeXFMTzZEV01PZUlqcGN0VUVPbFdONzNpMXhraW5HOEpmN2VmN2FGMjJIX0NYYjE0MF9Tall2c1R0ckw5Ny1xV2FTZTcwNHVabDU2WDRueVVnVy1JcEV2elNNeXpTN0dhWUNsbURjY2JSbXNFV091b2tNTHpkbTM5THhoTWpZUlVySGhKdVVTYmRCS2wtWnl0Z0ZB?oc=5) · Wichita Eagle
- 2011-08-15 [American State Bancshares acquires Rose Hill Bank - Great Bend Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRlh0eV9OVlZZaHhGZlhmcXVXTjJ0eVh2bFpaNGZLNFlXWkYxWWgwaGg1ZzBRSWNrX3E5THBoN0hHbFRBSk11NkY2am03X1R3NThCNUFIOGZfTTV1TWhmVHdNRmFRNlFMSUpxdGYyYlBFNEdHNUVlYmN6VlFmUjdMSVJuYTcwY0U0eXZvYWVRbkltVUFm?oc=5) · Great Bend Tribune
- 2011-09-09 [Roger Kepley, a former Intrust Bank executive, to lead Rose Hill Bank after sale - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRjEzTnVramIyNHprYzFKa2xnYUxtTUhQT3FtdWwyRC1GNUpkckdPWlJQR1hrbnR3VDdTVWQ5blpFMnBPcHZpbVpMR2xZYzhNWHg2b0Y4MnZiNTY5MFgzZjV2MlRYV2FZOHlyMGJXVk9VTmFEemNNOEtDakE1U1lSUDVZdWVuTEpNTGd3ZE9WWVJjYzl6T096Tm8tcmhtYTBHNEE?oc=5) · The Business Journals
- 2018-08-22 [A month after a merger left him out of a job, Cuy Mauck now leads another bank - Wichita Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxPOVpLRWw1dERvUWJUdW5PZ2tmVUhnc0ZXR1hEeXdjZF81bkd4OGRqeVk0VzhLSmp2V3Z5Y2oxUVdISTFYbXBsNHdPWjRVUV96enNVejhudEZDRnNVU1NtUjR0dmdwZVNsZXlRYUg5cjZBM3EyeHltVURERTVsTVRXWVFzYy13bHlfdkN6WmlWM0FzTEwyOUHSAZYBQVVfeXFMTV9VOEZvMmVFbWY1d2FlRUF6V1ZrSnNjQnptakxDdDJMQ1BGOHFuLXYyR240Y3lJUG1INzJSRXpRNjV6cVlpSGN3YWlRdUZVRi02SHJUZXZidEZWbWd1WWZkNHdqYVJjVXlTT1FvWEpZY0pSNEZDS2hhSWFWYjlNc3BCdmhndEo4cHJhNGduZDdXYkVVQ3hn?oc=5) · Wichita Eagle
- 2021-11-25 [Thorald Pickett Obituary (2009) - Rose Hill, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNNkxOR3NSWGdubnpkdy1VM25Qc2JiY3pQM1VYRG9yUVBpZGF6NUp5NEcxYzd5eERlNW5RZ0RnZEIyTUZaZ2V6VEFLbElVTk9QYzBmZEtldTZacFI5SjU4MVRYcGh5d3ZqR1g3ZVhQS2ZIb3FoN2l6UUVjOEJXaE5VbmlOenpBMXQwRWlYbQ?oc=5) · legacy.com
- 2023-08-25 [April Grunder, Stryv Bank - The Business Journals](https://news.google.com/rss/articles/CBMiswFBVV95cUxNR2RRVFpvYXB0R29FTDZjNmxZS0pqTTEtUEp5blBMS2I4cGRONUlDemc0cnlsV3ZoN3ZVYkFxZ2ZJU1hWYWNxSGYwY0xvNGktRTRpMWltdEFLeXVoekk5cjBNV2F6ZDJNVWFKMGRwcnB4dncxLWdLUjcxVjR0UGtuVjlIUmtyU0lkdlF3Y1NrTTdZSENhempFRVo5SzBoSURBUGZka2taQ0dUamxYdnlIdmNScw?oc=5) · The Business Journals
- 2020-08-24 [American State Bank opening new headquarters in downtown Wichita at Douglas and Emporia - Wichita Eagle](https://news.google.com/rss/articles/CBMidEFVX3lxTE81b1VkTVQzQVpZWm5kdWw3OTh0NUNkc0h3cmY1MHl1UTFrQ1ktQ05WZmdlS0tIbnJOQ1gwYXdsalFUR3MxWTVNUlNSWG5GcDdCZkdJZ0w2VUthMGRCWlJtc3MycFJ4UG9TSVduQXJfWmlFSnNZ0gF0QVVfeXFMUHg2cms4dkRVSTM5T1lpMm1hYzV0UlpzY0o1aFI2NnMzb3cwQ0FBSWxWRzBocHhfY1B5Z25adl9Ra1NzdUdzdm9LOHdaT2hkTVJ6emZtNUlxdVR6MGFza3FEYVJ0R2l1dEs3MkFZUUZMdnZFQ3E?oc=5) · Wichita Eagle
- 2008-06-11 [Mark Stearns Obituary (2008) - Rose Hill, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQMFZyUXd2X0dnRmZuMFJJaERkQVJqV3RSSVNtSWFOV3hESmZodUpDREJZQ1N5ZHd6NHNVYl85WFp4dTZ3emZhN0t4MVlRN0dPdmEyQjdWS3I4cTZvLWZJYzV2N1FKUm1yX0NNdk1GWTRZR1FFd0ZHdWgybXhGLUNkekhOQUZWWF9Y?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13881 (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/57.json (key "13881", 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