# CHETOPA STATE BANK&TRUST CO
CHETOPA, KS · FDIC certificate 13956 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $39.4M | |
| Deposits | $35.4M | |
| Loans and leases | $28.7M | |
| Total equity | $3.9M | |
| Loans / deposits | 80.28% (p57 of band) | 76.58% |
| Liquid assets / assets | 25.63% (p39 of band) | |
| Uninsured deposits / deposits | 35.80% (p93 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.24% (p32 of band) | 11.42% |
| Unrealized securities loss / equity | 0.51% (p46 of band) | 0.65% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 1.72% (p86 of band) | 1.01% |
| Net interest margin | 3.78% (p48 of band) | 3.82% |
| Efficiency ratio | 54.33% (p11 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.52% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 53% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $927,000 (3.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 6 | |

## Flags firing in the latest filing

- none

## 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 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking |  |
| 2015-06 | 1 | capital falling | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2015-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13956 (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/4.json (key "13956", 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