# CBW BANK
WEIR, KS · FDIC certificate 13959 · asset band <$300M · latest filing 2026-06 · live

**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 | $80.5M | |
| Deposits | $53.7M | |
| Loans and leases | $12.2M | |
| Total equity | $25.2M | |
| Loans / deposits | 22.45% (p6 of band) | 73.59% |
| Liquid assets / assets | 80.96% (p97 of band) | |
| Uninsured deposits / deposits | 77.68% (p100 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.35% (p94 of band) | 11.76% |
| Unrealized securities loss / equity | -0.06% (p91 of band) | -6.57% |
| AOCI / equity | -0.04% (p68 of band) | |
| ROA (annualized) | 1.70% (p76 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 84.55% (p85 of band) | |
| Noncurrent loans | 0.94% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 146.09% | |
| Real estate % of loans | 3% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 28.6% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-06 | 3 | NIM <2.5%, deposits shrinking |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 4 | capital falling, reserve under noncurrent |  |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 3 | uninsured deposits >50% | noncurrent p90 |
| 2017-03 | 1 |  | capital falling, uninsured deposits >50% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 1 |  | uninsured deposits leaving |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 0 |  | NIM <2.5%, capital falling |
| 2018-12 | 1 | uninsured deposits >50% |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 4 | wholesale funding >15%, deposits shrinking | NIM <2.5%, noncurrent p90 |
| 2020-09 | 5 | loans exceed deposits, uninsured deposits leaving | uninsured deposits >50% |
| 2020-12 | 6 | NIM <2.5% |  |
| 2021-03 | 8 | uninsured deposits >50%, brokered >10%, assets shrinking | NIM <2.5% |
| 2021-06 | 4 |  | reserve under noncurrent, deposits shrinking, loans exceed deposits, uninsured deposits leaving |
| 2021-09 | 3 |  | assets shrinking |
| 2021-12 | 4 | assets shrinking |  |
| 2022-03 | 6 | NIM <2.5%, charge-offs p90 |  |
| 2022-06 | 6 | deposits shrinking, uninsured deposits leaving | wholesale funding >15%, brokered >10% |
| 2022-09 | 5 |  | charge-offs p90 |
| 2022-12 | 2 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2023-03 | 3 | capital falling, charge-offs p90 | NIM <2.5% |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | losing money, expense ratio p90 |  |
| 2024-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2025-12 | 3 |  | charge-offs p90 |
| 2026-03 | 3 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2026-06 | 2 | capital falling | losing money, expense ratio p90 |

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

- 2026-07-02 [CBW Bank applies to OCC for bank charter conversion - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSGJScWJ2Rm5uU2N0QW1VblF6Ym9LV05BRjZyVHJzVmVtMXpMUldtWVZ0Y29SRmpRZ0h3aXo4TjlGVFdMRjc3WEE5bHJHNUg5TkdSYUNfSHdXQWlfNnMtUWZaLXY2S3ZIQ3pfUl9IaE9wdUlyX0NZcWRLVHkzSXY3TnhJYVB1WkF0bWV5eVVMcmw?oc=5) · American Banker
- 2026-07-06 [CBW Bank applies to OCC for bank charter conversion; Warren asks Eric Trump about CFPB pick, Capital One lawsuit—and more top stories in Bank Hours - LinkedIn](https://news.google.com/rss/articles/CBMimAFBVV95cUxNU3RMV1BhNVh2SkZKQjkyQXdfNzlxMWRkU1NCd2I5czAxYVJqajFsY1lUZ1dYYnJSYTd6UVpGUkNzX2tZdFRoVU1PWS1tX01Ca1V2UkdsU0Q0SENOSXdtWkhneXNPZVJIa2J2V0tMS00tUkhoN0Jzdy1nekZFSnNfd2lGcHFIa0Y1MUUwdXFaaXRnRlh6NDV0aA?oc=5) · LinkedIn
- 2026-01-07 [10th Circ. Halts Kan. Bank's $20M FDIC Appeal For Settlement - Law360](https://news.google.com/rss/articles/CBMingFBVV95cUxQSnJFTE1BVWh3ZTBwWDhjUVJZT2thM1EycHFBdjZmblQ0NXZHMGRzenpKeDliUk8yMzFKOFZmWlJjenotVUNyLTNCbVZxa2hLNTFMbER1MzN0eUdtRXp6M1VxR0cwcmJjMUpzeUR4VVpzTUFONkJBdUJNS3AtN3R6ZnFGSnNZQmk4MzlTWU5mOV80NmJVc2NXaE1CLUdWd9IBVkFVX3lxTE8yNU9MWHdDV3lMTmM3N1pJWjduNUtPRGhKcFV5eGRwTW16V3N6eTk1WmxtZ0hyQXQ1SzZ0RWFtTjIzbF8xbGhfdzc3VkJZX29ITThaWHV3?oc=5) · Law360
- 2025-01-03 [Kansas bank challenges $20M FDIC penalty - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWEJPU2g4cTNvZHZxRTBuRGRLT2NLYjY5dldicmFyUTdURWlwZUR1cUFOQmJJU0pva3kxMEw5V2ltYXFmdFRvWmtyWVlaaTh1VjhmRmQwODNWM0J6Z04wRDY4WG9xd1dzbTVTU0Z3c0xFeFU4ZEpVTS0yVmlpTFhvQUVTM3ctZmpJVzlMQ014SF81aFZxR0tSUXBLVFRUUnJDMVp5UGhpcFU?oc=5) · Banking Dive
- 2016-08-24 [Why Fintech Startups Are Flocking to a 124-Year-Old Bank in Kansas - Fortune](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5zODVHQWYyTHVvYmFRTWlNUmJLS3JmcGRBd2hwSWRWeXBKbGNPZEpOaVhwSEFyOWp1X1dlUmNMd1JHQXBMejBfY2FrYXhKXzRKUkNwcGNqNA?oc=5) · Fortune
- 2015-08-11 [FinovateSpring 2015 - CBW Bank - Finovate](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9ON2V2ZjMyVFdBWFBZQXFzVUN4QllUSDlUMXpzdnBSZkliTE1PQV9QNFViT0dseEtRY0dhRXFRMkF4cFRCTi15QnNvOF9sQzN6VFZLWGxfQy1nSUFReWVUSHRudmRsQTNj?oc=5) · Finovate
- 2025-03-03 [Courts Have No Power Over FDIC Administrative Cases, Judge Says - Bloomberg Law News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNbV84dEdGUDM0c3hYUlh0YzNFNW1POWwxSm5JRy1fWDJRY2RoQjR5R0RZM3hEdG5oUm5IV3pFUlNkaEluMlJvSlByaFB0ZFNHSHF0Mk9pZVA1Mk1zQ0RicXhUMTdPc2prWEFaS2VtbFgxVVZGSGJOcFREQVd0bnVZdjUwYi05LVo2X1Blc0ZaR3BPMXVXUE9aQjhiYnVYOTh0UmttUjlsbw?oc=5) · Bloomberg Law News
- 2025-01-08 [CBW Says FDIC’s $20 Million AML Fine ‘Unreasonable’ - PYMNTS.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNME5YZVg1OWNzS3FZbDktaXQyMk13eURtMXpYSC1hSkVmQjJVQmliLVRYRjNuLXNVTm92Q0JqSkVjQ085S1h5V003OFlLV2o2YjNkeTVjUWhXUm50b0ZhNWZQbi1uOEJWOXpFczdZZU9XcXFzU3VGTWRsdXEtUEFQZTNOaXBaaGVuZFFBZzlOWQ?oc=5) · PYMNTS.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13959 (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/7.json (key "13959", 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