# KANSASLAND BANK
QUINTER, KS · FDIC certificate 13957 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $52.6M | |
| Deposits | $42.6M | |
| Loans and leases | $29.6M | |
| Total equity | $2.5M | |
| Loans / deposits | 67.92% (p43 of band) | 71.75% |
| Liquid assets / assets | 40.43% (p63 of band) | |
| Uninsured deposits / deposits | 19.11% (p51 of band) | 18.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.75% (p88 of band) | |
| FHLB advances / assets | 13.42% | |
| Tier 1 leverage | 6.52% (p1 of band) | 11.46% |
| Unrealized securities loss / equity | -76.64% (p9 of band) | -15.99% |
| AOCI / equity | 2.03% (p95 of band) | |
| ROA (annualized) | -1.88% (p2 of band) | 0.90% |
| Net interest margin | 1.54% (p1 of band) | 3.52% |
| Efficiency ratio | 224.15% (p99 of band) | |
| Noncurrent loans | 1.14% (p80 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 205.62% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 41.41% (p70 of band) | |
| Auto loans | $790,000 (2.67% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2011-09 | 0 |  | losing money, reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2019-03 | 6 | capital falling, losing money, charge-offs p90 |  |
| 2019-06 | 4 |  | expense ratio p90, capital falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | expense ratio p90 |  |
| 2020-03 | 4 |  | charge-offs p90 |
| 2020-06 | 5 | uninsured deposits leaving |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 6 | capital falling |  |
| 2021-03 | 4 |  | losing money, capital falling |
| 2021-06 | 3 |  | uninsured deposits leaving |
| 2021-09 | 4 | uninsured deposits leaving |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% | uninsured deposits leaving |
| 2022-06 | 7 | capital falling |  |
| 2022-09 | 8 | losing money |  |
| 2022-12 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2023-03 | 6 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 8 | capital falling, deposits shrinking |  |
| 2023-09 | 8 |  |  |
| 2023-12 | 7 |  | deposits shrinking |
| 2024-03 | 6 |  | reserve under noncurrent |
| 2024-06 | 6 | leverage <7% | noncurrent p90 |

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

- 2024-07-02 [Wichita-based Equity Bank acquires KansasLand Bank - KSN.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWGtGY3ZpSDVCY1RUVFBPb2xVT05sX1YxWlNSZDZyMHVBSzItV2pld0tyWHVySVdtUVJXT2dheXY0VDFOMHBNRjZlWEx4QVhaaEp1ejYxalNJRWc4ZEh2enlHT2F1TUdvbUx6V0k4YnVMNkloMzhmZXJrOHFOaXNkcHV3SEVDd3Z1TFJNa0NB0gGTAUFVX3lxTE1BcVBGWFVmRlJIUDZsaEZ2UGFaQVh5LWw0MXlRdi1WUnA4bHJ4M0hhaWp6TG0xRk50c3MtbUZlN2NKTVZ2SmVjU1ExSzFHWV95cDNfbGlFUFZkdGNUbjdMNVR3dkRxeEhGOVVUQVgzUFM3THdsLWRQWDJ5VXh0ai1vUnhkXzk0M3Q3eG8tM01Nb2c0Yw?oc=5) · KSN.com
- 2024-04-22 [Equity Bank's Kansas footprint set to grow after latest bank purchase announcement - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPT0ZCU2gyNjg3NzR0a2k1andYZ09YTy1pcU1oNlNjWW9PWEIyWlJfRVprS0hrMUwxRUpucVF4S2V1Y3V4U002QVpIV0tIZGFoTFV4SExNS1laZFM3a1FnMnQxTlFILTFpTEpQMUJjWlBoZV9HRzJUbjNiTkI0dl9aby0xNjFGOE92cnl4Mk0yekZyUUQ5dzY2Y2hKZXVfTldsdm5KWkpB?oc=5) · The Business Journals
- 2024-07-10 [Equity Bancshares completes acquisition of KansasLand Bancshares - ATM Marketplace](https://news.google.com/rss/articles/CBMiowFBVV95cUxNckRJS2t3SUQ2d1hGeEJ2QUZQMW5LQkJ5OVF6RWJDRThiSHVmVUx3VFF6TXEtbUtLLXpDcExSdDdnbUZXOEpnSzBRY2tZaGN2alZKVWVYbUpCbGozYmFGZlNsbnc4akZQOWwtdFV4ZjhQdHM0YkJ2bjZTMW1TMXQ4d0x3d1lrak9jY1JKMHplNmdLaVU0RjRvek5fX1cyeV90emxr?oc=5) · ATM Marketplace
- 2024-07-02 [Equity Bancshares, Inc. Completes merger with KansasLand Bancshares, Inc. - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE9PNVpMYTNQS2RxNlNaNUNQNklENDBIaWtDcnIzTUUyY090bE91NGIwLXhlNnU0dEZyZ1MzelNPZjBVQk5HSUpmbmRGSUY3cVZ1YmFDQXVjNTVEMEdsTnJfV0Jkb3ZmLTBUQnk0dk9QYTVCRzA?oc=5) · Salina Post
- 2024-07-03 [Wichita's Equity Bancshares closes latest acquisition, adds more Kansas branches - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSks2bm51ajNZLVZuVFhQYWFNVWlUSlZCcFJaa0lrMlV1LXFhaFhkZFl5Qk5Kb3NSdFZHZk9ZbWg3MVhfYkZzNy1zbUx5WE1TOGpkaC1CUTZFNGJFM1lJX3owV000RGxCeXBUNDV4bk9DY2UxOGs3N1pucnBVR3pqRVBmWmdqTzhiUjg3UWxNNXBTMEI1NXR0d3pMaXhPdGtmZV9jRGRR?oc=5) · The Business Journals
- 2025-06-16 [Equity Bank breaks ground on prototype branch in Great Bend, plans bilingual ITM integration - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOaDRackVPSTlsVV84Tl9pRzhLMFdKQ2hHSzBpLWlCekkxaXZFN1J3eU1aMm1VYlpXakdjYnRmeGFTbkQ3NURObXU3N083YUt2bEdqTXptRTA2dWtrNUpqUWhRWUhieTJiUDVDcVVxV2pUdHFMRDhPVy1xQURHcTVzUGRGdWppUlhkY1RxekU2SHJnVmtfYUlDcXl2NnNHazEz?oc=5) · The Business Journals
- 2024-12-03 [Equity Bancshares public stock offering sets stage for more growth at Wichita bank, analysts say - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPTnY5R0pVNVZONGxQcEFoT2VJLVRUTFVERGcyQ0duNHl1M3o5a1NPRkdSX3o5WFBMNFRtUlYyUVdQNHdDeHJsSHoxcEZPNEV4QUx5U1o1QVR2QUtndl9VWkhnZEVDdDREYTJieDByMWtCZHZPYjVoNkF4SF9WSWJHSm44QTl5SkdOTFhielBUTzE4UlM2R1VLRGxDYWktNzlyaUU2LUl3?oc=5) · The Business Journals
- 2024-05-10 [Equity Bank president elevated to CEO role; founder remains holding company chairman, CEO - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdzN5QkpuTS1vdGE5bGhtclVSS0VBUXpZN2JIVk5QNlQ4ZldfVS1Zd0JXYzhNVFdaS3M5SlFPZXdsMG9oWFN1TmZDU0sxU2x0Y3ZKYXoxdkpXVm05OHVNdkNCZUllX3h1Um9VbzFqMXpBcngzMHBJSnRmRGpOTG1TU1FfTjJhb29tZ1VHNVdpVXZ0OC0tNnE0ZThVaHI4ZjBNUndYM3RKa3c0UQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13957 (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/5.json (key "13957", 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