# GREENSBURG STATE BANK
GREENSBURG, KS · FDIC certificate 14315 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**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 | $59.7M | |
| Deposits | $48.5M | |
| Loans and leases | $8.5M | |
| Total equity | $11.1M | |
| Loans / deposits | 17.32% (p3 of band) | 74.46% |
| Liquid assets / assets | 83.47% (p98 of band) | |
| Uninsured deposits / deposits | 40.87% (p97 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.31% (p95 of band) | 10.76% |
| Unrealized securities loss / equity | -4.31% (p16 of band) | -0.86% |
| AOCI / equity | -2.24% (p33 of band) | |
| ROA (annualized) | 0.85% (p50 of band) | 0.85% |
| Net interest margin | 2.64% (p9 of band) | 3.68% |
| Efficiency ratio | 79.66% (p69 of band) | |
| Noncurrent loans | 0.73% (p54 of band) | 0.62% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 156.45% | |
| Real estate % of loans | 37% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $1.4M (16.52% of loans; DQ 2.99%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 3 | AOCI drag >20% of equity, deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | reserve under noncurrent | AOCI drag >20% of equity |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | capital falling, charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | assets shrinking |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | assets shrinking | reserve under noncurrent |

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

- 2008-04-28 [Greensburg State Bank - CBS News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1zVUdweXlXcGlfUC1YalF1ZVJuTER2NEhNTWpvSFp1TDRENElEd2x3dGpiN21NaVBBdFRKbTR4dzFqNGk3eFVDSTFqbGZ4QjBLblBZQTF4Q1g0UndnUzhRVDh3Z2swdw?oc=5) · CBS News
- 2020-11-21 [Avanel E. Allison Obituary Nov 21, 2020 - Elliott Mortuary & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBfM1d5X01MTXhpM1o5RzFzR3FFak8zWlBtaUh3eTE2TVhVWm41ZDU2TnlPd2w2Z3JxVmlNbGt6THV2WllSTjlrTDdnOWRHR0pXZDZPX3lzNmRtcGZRUWwtc2NyTTFhbTBR?oc=5) · Elliott Mortuary &amp; Crematory
- 2009-09-22 [After a Tornado, a Kansas Town Rebuilds Green (Published 2009) - The New York Times](https://news.google.com/rss/articles/CBMiekFVX3lxTE1LM3FCN0JxMnY1ZjFsWXpMWWdhSENidk1FN19oc1lGQUZyMEo5RV9xQkNGNGc2R0pJdXhSMkEyZFFnRDBUWWxSS0pPMkdMNEM1STgta0tqLXVZODVUNGtuMHJMX0JGM3pMQ2Niajl3YnlPSEc2aEpJWkd3?oc=5) · The New York Times
- 2014-04-30 [Greensburg, Kansas Recovers From Twister Only To Face An Economic EF5 - KCUR](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVGJWWGNfcXRDRTgtNFduaDdVYlh4QW10aWZDd1RYZzRyZkpkVjFvQzFEMkVDWmVOcEhhN1Z5dWc4X2RqclU1b2t1cWRwSHQ2RXdDYWY0bk54ZXpGTGJZTDJobEc3S0hCSjR5M1NDN1hucUIyWDRCd2Fwd2RwVXk0eHBLMWFvanJ1WTVhRjc4M0JKQmVhRDg4MS1YZUxrNUhGZFRCYUdBRjBXMUNZ?oc=5) · KCUR
- 2026-05-14 [Kendra Headrick, Intrust Bank - The Business Journals](https://news.google.com/rss/articles/CBMixAFBVV95cUxNME5aNTdCWHNlVlg4bUJWSjNPQXFKb0xJQmtETGR2c3Q1UnVSX3JiaGtSbEdpbExwdFdta2s2T2xBRTQwcm1wVGFES0pHZjhaenduMGtEbHBNM1RKendIMjVOZE1UVW41eFhidjY0UW84UEwxNkdxRXJTQXNZcUxGVDNNRzB4SVZtOTZIY2MtV2tSdk9UbHRWVmJYQUZCNkdncDdkb1hPa2N6VllKWWUzZG1TVzhNb3VGWGZ6R1JPRU1vZTRX?oc=5) · The Business Journals
- 2007-05-09 [Mayor envisions a brand-new town - Lawrence Journal-World](https://news.google.com/rss/articles/CBMifEFVX3lxTE9rNDdlMzI3OWNGTmY2SkhvX3Y2SEFHTkpXY3VncndDX2EwbEV4WXg1V3I2STV1TkNWVzhiczdzbmV3STNFb3pLdnMzMUxwTV9SWEpDOWloZVJSZW5IYTZsd1BrWFUzSUdyeWFBMDRPQnhYeVZIZXBueW9xd0Q?oc=5) · Lawrence Journal-World
- 2026-02-24 [Jason Eric Irvin Obituary (2026) - Sun City, KS - Larrison Mortuary - Pratt - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1fTEtyVlFHa1hfSE1WNDNWNmVESlRXNkpfNDI4WW54OVZzN1AwQVVrbWhqdWd6SG53S1NKQi1SR1VmSzFmeHJRclBENnF4emRsZERORnN2UzNfSWJUajJuUHFaRnp4NThYTUNVeUh1c2ZoVXFNZEtoNElqcU5NUkk?oc=5) · legacy.com
- 2014-03-24 [Greensburg rebuilds from 2007 tornado — now it needs more people - Wichita Eagle](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBFRUVfVW0wRE9sZXFja2IzbnljUEIzanZ5dkI5R3gycFBzRk1ieTZzU3lfUmZXdnVYMk9Ic0VUSVZaT1dOZUcwSExoVjB1UXliOVFmazBRSWRaN2PSAVtBVV95cUxOSHMxUWlPNTdoUWxxOXA2UkRwa0NocFc4X1VZMXhzN3loMFpiMmFaYVptM0hCOGlIVmx6eEhzakZSVGJLX0p3RFVlaUNmX0V1cjZ4X05PY3pQajJR?oc=5) · Wichita Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14315 (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/43.json (key "14315", 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