# BISON STATE BANK
BISON, KS · FDIC certificate 14083 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $125.8M | |
| Deposits | $99.0M | |
| Loans and leases | $99.1M | |
| Total equity | $13.4M | |
| Loans / deposits | 99.15% (p91 of band) | 73.59% |
| Liquid assets / assets | 14.56% (p11 of band) | |
| Uninsured deposits / deposits | 20.49% (p53 of band) | 19.81% |
| Brokered deposits | 15.83% | |
| Wholesale funding | 25.79% (p98 of band) | |
| FHLB advances / assets | 9.96% | |
| Tier 1 leverage | 10.26% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -0.19% (p87 of band) | -6.57% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.01% (p40 of band) | 1.17% |
| Net interest margin | 4.00% (p54 of band) | 3.93% |
| Efficiency ratio | 85.05% (p85 of band) | |
| Noncurrent loans | 0.32% (p48 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 295.60% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 46.57% (p77 of band) | |
| Auto loans | $44,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | losing money |  |
| 2011-09 | 0 |  | losing money |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-06 | 2 | noncurrent p90, reserve under noncurrent | losing money, expense ratio p90, charge-offs p90 |
| 2012-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2013-06 | 4 | assets shrinking |  |
| 2013-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | losing money, assets shrinking |
| 2013-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, expense ratio p90 |
| 2014-03 | 4 | losing money, expense ratio p90 | AOCI drag >20% of equity, deposits shrinking, uninsured deposits leaving |
| 2014-06 | 4 | deposits shrinking | securities losses >30% of equity |
| 2014-09 | 2 |  | losing money, expense ratio p90 |
| 2014-12 | 2 | expense ratio p90 | assets shrinking |
| 2015-03 | 3 | capital falling, losing money | deposits shrinking |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 3 | deposits shrinking |  |
| 2015-12 | 2 |  | deposits shrinking |
| 2016-03 | 3 | deposits shrinking, assets shrinking | losing money |
| 2016-06 | 5 | losing money, charge-offs p90 |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 3 |  | expense ratio p90, losing money |
| 2017-03 | 5 | losing money, expense ratio p90 |  |
| 2017-06 | 4 |  | charge-offs p90 |
| 2017-09 | 5 | charge-offs p90 |  |
| 2017-12 | 7 | capital falling, uninsured deposits leaving |  |
| 2018-03 | 3 | noncurrent p90 | deposits shrinking, assets shrinking, charge-offs p90, capital falling, uninsured deposits leaving |
| 2018-06 | 3 | reserve under noncurrent | losing money |
| 2018-09 | 3 | capital falling, losing money | noncurrent p90, reserve under noncurrent |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | losing money |
| 2019-09 | 0 |  | expense ratio p90, capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, expense ratio p90 |  |
| 2020-06 | 0 |  | losing money, expense ratio p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, expense ratio p90 |  |
| 2021-06 | 0 |  | capital falling, expense ratio p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 2 | losing money, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-06 | 1 | wholesale funding >15% | losing money, expense ratio p90 |
| 2022-09 | 4 | loans exceed deposits, losing money, expense ratio p90 |  |
| 2022-12 | 5 | reserve under noncurrent |  |
| 2023-03 | 5 | uninsured deposits leaving | reserve under noncurrent |
| 2023-06 | 7 | capital falling, construction >100% equity |  |
| 2023-09 | 6 | brokered >10% | uninsured deposits leaving, construction >100% equity |
| 2023-12 | 6 |  |  |
| 2024-03 | 3 |  | wholesale funding >15%, loans exceed deposits, capital falling |
| 2024-06 | 1 | charge-offs p90 | losing money, expense ratio p90, brokered >10% |
| 2024-09 | 3 | brokered >10%, wholesale funding >15%, losing money | charge-offs p90 |
| 2024-12 | 6 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2025-03 | 6 | wholesale funding >15%, expense ratio p90 | capital falling, noncurrent p90 |
| 2025-06 | 4 |  | reserve under noncurrent, wholesale funding >15% |
| 2025-09 | 5 | loans exceed deposits, wholesale funding >15% | expense ratio p90 |
| 2025-12 | 3 |  | losing money, loans exceed deposits |
| 2026-03 | 3 | loans exceed deposits | charge-offs p90 |
| 2026-06 | 2 |  | loans exceed deposits |

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

- 2026-03-31 [Here are KC area's 10 banks with the fastest percentage loan growth in 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMkR4eGp5djZFdEN3VDNKdWNVNkVYY3dQYllobFp5bTc0MXJiLXQxN1pVUE5fOEhwTncwSFV1Mk9iUTAzNnRyR0FlOW93LUE0aUpSZXVGZGNTLU8xc0hGd1BLTGNjSjVhSk5zRWJ3Q2FRTWIxQi1zTDZ4cVBVWEV3R0o3dEJhQnZqaUhvT3ZQM24xV1A2cWhSbUluUmo5aDJUNjV0dWVkWThxQWww?oc=5) · The Business Journals
- 2025-01-21 [Bison State Bank Mortgage Review 2026 - U.S. News - Money](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNlFZTXlNWVUybm00UWhSalFfZlkyODFzcDE0RmxYQW1sM0o4dG50MzRuV3VPUml3cXV5c3dPLXRuYkd1R2lobGFQVGotNlgtMEhtOW15enNHWUVJQkpiQmJySlFvb1l1Y1dJZ2hzc1dNRGxObnFxakdKSm9FaC1Welp1b0JIWkFi?oc=5) · U.S. News - Money
- 2024-06-26 [Bison State Bank in Kan. hires new CEO - The Bank Slate](https://news.google.com/rss/articles/CBMigAFBVV95cUxNbEw3SEVlWDBwM2x0UzFWeWNsRlYxeXA4aGhuang3QkEzUzl2NUFDdVlucW5DWHZQMWNzeERQcWs0aGJQSzREWFk5VDJ1QzhYd3JFeFpIU2xjQW53TVZXTGhzWUhiamZlLWRXZmZUQmVWaW9KeENoQkxRc0hyU0VwUg?oc=5) · The Bank Slate
- 2021-09-09 [Tiny Bison State Bank opens Kansas City branch with big growth plans - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOT25XMUhmT1FJdmJvODBXR0Z2aVpaMlRrd3BySExhRUxwWUV6c2RFWS1oZVVRQ2xMelhha2IybkM0U1FpN01FYWhPNkhNWVlLRFpCUEFmdENWbjVBQnVuX3Y4TTZOYV9yOWdPYWllUTkwdmh4TllmSERWdF9lTlZsM3Vkc0ZkSWFNWDBtaFROVTVTSVNtbDJDa1RQcFFkbzNfTTVCT2VmTQ?oc=5) · The Business Journals
- 2026-07-28 [Farmers Bank of Kansas City Mortgage Review - U.S. News - Money](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZ0g3RFRucnpSM2l6c3Rzdl91blJhWjNYeG5xMGhlTUR4NDgxalc4bjZoX2xLb0V0LXNzaS1oU3pJRXhHS3oyckZxLUpMZGtUU1Q3RnZVY0xXYUZiVXZMR2pfQzE5YThYNzJ6YUgzdkIyS09JdGVoaGRsWDkxTm91bTJRMlliRWc0aUxGNkRn?oc=5) · U.S. News - Money
- 2024-04-03 [These 10 KC-area banks grew their loan portfolio the fastest in 2023 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNWjdfdVJTOXJ0THEzVU1iOFdYQ1pjcGJPU3NscnJVLVEtQ1hkMEFPV19VdXlCUndkdUpYOWs2WXVvTVVJMGNMa1BIUVgzVmNTenNTSjJORHpkbTZaUEo0bHB5Zl9SNmFYaWdBM2U4cjZSZEZGeVVKMEIzUC1hUU5DaWpkMU9ZUlhmQ0hlbUIyRDJBR1JzcG9hajRWNS1RQQ?oc=5) · The Business Journals
- 2022-03-23 [Best Kansas Mortgage Lenders of 2026 - U.S. News - Money](https://news.google.com/rss/articles/CBMiekFVX3lxTE9YMnJRY25pQ2JfVW43UGVhSFlVaGV5TlBtYXIxbUJneVE4RVdxcFkxekp6c1dkbmpjdHotMWxBZEpxYmVIWDExV0tWeEJhcFczYWJVcERCajJUYmFFR1BlY2pxT3BybWRQZnBGVndtRV9ROUxMajFYX1RB?oc=5) · U.S. News - Money
- 2025-12-30 [2025 in Review: 120 people to know in Kansas City's key industries - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQ1dVRE51WlBlN0RJdk9UY3h4YnZfQS1wN2tsa05xcVIwSHhLTmhjVU5yNHNfRUduV0ZBMVc5YnpCUWl6QmxOdzBFY0pQUFFiRzVwZHdZSmtrSUNUN2FMekRVY2lzdW9yR01reDVtUFJJZEhZTlJzZHN4RTFEbTBjVThXX2dhVTZpY2JncnJrVDY5V2VtUmoxR3RFUEdvTm5TMFFES3VUcllWOFVi?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14083 (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/3.json (key "14083", 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