# ADAMS COUNTY BANK KENESAW, NE · FDIC certificate 14311 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *funding-stretched*. 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 | $241.1M | | | Deposits | $154.6M | | | Loans and leases | $155.0M | | | Total equity | $24.9M | | | Loans / deposits | 99.23% (p91 of band) | 73.59% | | Liquid assets / assets | 31.03% (p46 of band) | | | Uninsured deposits / deposits | 20.60% (p53 of band) | 19.81% | | Brokered deposits | 1.62% | | | Wholesale funding | 26.46% (p98 of band) | | | FHLB advances / assets | 24.84% | | | Tier 1 leverage | 11.82% (p51 of band) | 11.76% | | Unrealized securities loss / equity | -20.57% (p22 of band) | -6.57% | | AOCI / equity | -0.34% (p52 of band) | | | ROA (annualized) | 1.86% (p82 of band) | 1.17% | | Net interest margin | 3.17% (p17 of band) | 3.93% | | Efficiency ratio | 39.28% (p3 of band) | | | Noncurrent loans | 0.00% (p24 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p54 of band) | | | Reserve coverage of noncurrent | 41750.00% | | | Real estate % of loans | 59% | | | Construction % of loans | 4.12% (p27 of band) | | | Auto loans | $832,000 (0.54% of loans; DQ 4.09%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -0.5% | | | Employees | 14 | | ## Flags firing in the latest filing - **wholesale funding >15%** (`liq_wholesale`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 1 | wholesale funding >15% | | | 2011-09 | 3 | loans exceed deposits, capital falling | | | 2011-12 | 1 | | loans exceed deposits, capital falling | | 2012-03 | 1 | | | | 2012-06 | 2 | capital falling | | | 2012-09 | 1 | | capital falling | | 2012-12 | 2 | leverage <7% | | | 2013-03 | 3 | capital falling | | | 2013-06 | 3 | | | | 2013-09 | 2 | | capital falling | | 2013-12 | 2 | | | | 2014-03 | 1 | | leverage <7% | | 2014-06 | 1 | | | | 2014-09 | 1 | | | | 2014-12 | 1 | | | | 2015-03 | 2 | capital falling | | | 2015-06 | 1 | | capital falling | | 2015-09 | 1 | | | | 2015-12 | 1 | | | | 2016-03 | 1 | | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 1 | | | | 2017-06 | 1 | | | | 2017-09 | 3 | loans exceed deposits, deposits shrinking | | | 2017-12 | 2 | | loans exceed deposits | | 2018-03 | 2 | reserve under noncurrent | deposits shrinking | | 2018-06 | 2 | | | | 2018-09 | 2 | loans exceed deposits | reserve under noncurrent | | 2018-12 | 1 | | loans exceed deposits | | 2019-03 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | | | 2019-06 | 2 | | deposits shrinking, uninsured deposits leaving | | 2019-09 | 3 | capital falling | | | 2019-12 | 2 | uninsured deposits leaving | loans exceed deposits, capital falling | | 2020-03 | 2 | reserve under noncurrent | uninsured deposits leaving | | 2020-06 | 3 | capital falling | | | 2020-09 | 1 | | reserve under noncurrent, capital falling | | 2020-12 | 2 | NIM <2.5% | | | 2021-03 | 2 | reserve under noncurrent | NIM <2.5% | | 2021-06 | 2 | capital falling | reserve under noncurrent | | 2021-09 | 2 | NIM <2.5% | capital falling | | 2021-12 | 2 | | | | 2022-03 | 2 | | | | 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | | | 2022-09 | 4 | | | | 2022-12 | 3 | | NIM <2.5% | | 2023-03 | 2 | | AOCI drag >20% of equity | | 2023-06 | 3 | uninsured deposits leaving | | | 2023-09 | 2 | | uninsured deposits leaving | | 2023-12 | 4 | loans exceed deposits, uninsured deposits leaving | | | 2024-03 | 3 | capital falling | loans exceed deposits, uninsured deposits leaving | | 2024-06 | 3 | loans exceed deposits | capital falling | | 2024-09 | 2 | | securities losses >30% of equity | | 2024-12 | 3 | securities losses >30% of equity | | | 2025-03 | 3 | capital falling | loans exceed deposits | | 2025-06 | 2 | | capital falling | | 2025-09 | 2 | loans exceed deposits | securities losses >30% of equity | | 2025-12 | 2 | | | | 2026-03 | 2 | capital falling | loans exceed deposits | | 2026-06 | 1 | | capital falling | ## In the news (Google News, unfiltered, newest first; check the city) - 2024-03-15 [Package left behind by 3 people 'acting suspiciously' at Adams County bank prompts large police response - fox43.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOTmdhMTh0aTZSQWVnR0JaM29VazJjWFhyZDV3OFA4TEJieXFnLTlPa0FQNFY3aTFzSzhpVFNrMnJSbjltMHpPWVlNa19oNWlkV0wtN0VSU3ozcDZ1V3B4cHZlN1RwRUpNclVKcFpLTE1KV3dtMDZPM210d3VaTlBMZU52LWlWcWNwV3ZjRVh5VTdHc25lblNSNGVJeXpMUFRKV0poNjBVUEVSZzh4ZDNHWDhkYi1fSE5aZjBwYXNtRmxmaE1BUmJGVkRzOUd6OUpVMTN4eFpR?oc=5) · fox43.com - 2025-09-04 [DeWayne L. Boesen Obituary Sep 4, 2025 - apfelfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5PTjNNeEU1UE56Y1Q3SjNabDlFSXhnRE82Zk9RODZIZ0t4LThURmtJYUw2STlGUXBzWGFlZmZTOHdVMVlMRVU1QVBFTncwMEViWlVKTnlHbFZkYzlyLTdfbEs2dFVZcHlGOUE?oc=5) · apfelfuneralhome.com - 2025-05-23 [Nine face federal charges in Nebraska ATM thefts - KHGI](https://news.google.com/rss/articles/CBMirgJBVV95cUxNSmNCQUMzSk5iWDJVbi1ib3NJMlF4OXJKd0xpdUsxRTZJMmNEemhUZUtubUR2eTNCSHM4NU1JUXpIVGNiTDNlak1taFNnenhHUDZKM1hETlJwRkh0ZVk5UDg2dE5qWWlxQ2JidEgtdUkxdkV3QVFIXzdTbVJ2dV9xTFA5SnlaRnlCdU8xYlBNSl9SV3BXWGlNR3JFOWxlcGFMVlJwLU1tb2VrbnRucmFjVW9mSlVzZWc1REhrWnF6RlpSYm9Zbm9UbGhBVFlxWTNJTGFGdmFlTmxzNlNyV01DWUZyOXNucmlqSGQwcTA4cjFmMWlrUUw5RlR4VnkycFBaUU1oTVQ4T1dQYmJJNFduMnJFUWNyWWpuMFByRW1ZX3JTR3Vxb2NBQWRvb2ZRUQ?oc=5) · KHGI - 2024-03-20 [First Bank of Berne announces CFO - Inside INdiana Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxOMVhrbUJqdkFWZUZZckpKdzZpd2RBMGtRNVpGUnBpU0RGM0d1WXk0RVR5YkswYmNnY3duVmQyY0NCcUwtY250OVhJNnlJSGRabTFRQkdmWWNHemZnWWRtM202TVY3TkQ2N2pKR3VTZ25hekt3bm41NzdQN29nRnZBdHl6eDluVVE?oc=5) · Inside INdiana Business - 2018-02-03 [State Police seek Adams County bank robber - local21news.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQZG85elQ0dHFhSlprYm0tSndzSnVHSkg2NUpsLURuZjFlNENwei1sejhLeXpQVGtTTl8tR0NPU0M3TG1JODhfVTk5MHFTT0w3amxNVHdXMnBralJBUjF0Y0tJcjVZM0ZkajZlU3A1LW1kdTgwWFE1Z21OVllxSnhQalJwdw?oc=5) · local21news.com - 2026-05-20 [John Alan Hohlen Obituary May 20, 2026 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1sRVhsSXFqS2RiOWFIRUNXMmowT2lJSzIyYnBfX2hPN2tIY3FwbFlMRGlIcW1pMUJXck1ibGFGQm56ZTNnaXA0Z3cwSUd3aUVsckZfY2gyTQ?oc=5) · Livingston Butler Volland Funeral Home & Cremation Center - 2023-03-22 [Hanover man tried to rob bank from drive-thru lanes, sent stick-up note through pneumatic tube: Police - York Daily Record](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNR28tLVB0bTVfZGQ1c3BncW1DMnU4Z0tBWTFHaGV0WnpKN3RlOXpsRUpibTZyOFE5SHlKWjdwdGVtSFdnR042X0tkeWJSTy0zek1UMnBBXzdNN0xmckg1dlFCUHdfVEllbmtuOC1jZVYwZzlfRzBIR3ZwbkttaUxaWjRDYWp0TGJHbVQta2xGcy1VM3lNdjYySHpnSXpFTTAycG11WTZublM5M2ZGMnF1UkJtS0Jha2pXMDdCMWdNQ2I2WlpuN1Z0dWtCNkFsbTVBYXVXb2gwUmtKT1BPTThiRVdLU0tTUnBXTFgyMFRvdm1icjZyLUpoalNsei0tRms?oc=5) · York Daily Record - 2024-04-04 [John Allen Norris Obituary Jul 23, 2011 - apfelfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9ublRacjM3R3M1OUFtanBHT0VGUmxSdFI1Y0JyUmZpTWMwU2tUU3J2RHhsSHNqZVozd1NoOXdDXzJLMFZMVzRWNWVqVHB3NDA1Vk5VdEIxYW5jaDhjekhiX0Ztdk4xMGg3VHVFTy1R?oc=5) · apfelfuneralhome.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=14311 (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/39.json (key "14311", 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