# FNB BANK
GOODLAND, KS · FDIC certificate 14420 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $270.3M | |
| Deposits | $235.0M | |
| Loans and leases | $180.9M | |
| Total equity | $23.8M | |
| Loans / deposits | 75.52% (p54 of band) | 73.59% |
| Liquid assets / assets | 30.24% (p45 of band) | |
| Uninsured deposits / deposits | 25.45% (p70 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.70% (p67 of band) | |
| FHLB advances / assets | 3.70% | |
| Tier 1 leverage | 10.21% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -39.26% (p9 of band) | -6.57% |
| AOCI / equity | -2.05% (p12 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 4.65% (p81 of band) | 3.93% |
| Efficiency ratio | 70.99% (p63 of band) | |
| Noncurrent loans | 4.03% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 47.36% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.1M (0.60% of loans; DQ 0.91%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2022-05-02 [FNB Bank of Romney, West Virginia, honors long-time board member Shanholtz - WV News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOS2o0NE1OUHc1dXdkY2JEUVRMd3ptOHVNOVgxUWs1MVFubXdHdDZDT1dmR0tiOUZ6aGJDUUVaVG9CWmNFeXpVXzlLa3YwY3dxOUc4UUlfSU0ySWcxS082SlY4ZlF1cEVQYzVRRTRtUUQtdzI2NXRrZVA5QUZ1LTZjNGptQUkwSWVpSGQzbGEzMHpEOTYwWVVvNjBsd2lkUF9WMkRNVDBuU0R5TExJQzQ0cEtxUDRKS1QtY1NBblVuenNaRFEwRU1GTms1NWRLQ2hkN3gwemVUa2c5Y0JyaGN6SGNfZnFOYjR4b0ZEcGVR?oc=5) · WV News
- 2019-10-15 [First National Bank preps for big move in downtown Raleigh - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTnJteXhwclFobnp2aFRLVnhZM0pUa2FBcWt0UTkzRTdmTk5fbzZpQTJHR29JU0c0dXhmdmwzNVVJTGZVZktBNGhxZHQ1VEdQWGllVkJxOE4yVzlHR2hzMlY5UHdMS2pmak1QY3ZoNFc3WVpHZTFvdUp4b2FtckZfOWZRb2pkQTdXRW9RVDRLTTBSQlBHWWtKTjBaQjcxdm81?oc=5) · The Business Journals
- 2021-04-19 [Alabama bank to buy Peoples State - Nashville Post](https://news.google.com/rss/articles/CBMiygFBVV95cUxQMXlDYWg2Vkw5aUdvZndUZXFLd19wSmpKRlZtZ0V6UU5ha19jVmRzaDdLcjRkRmFtT1pQeG1abjlSNzRQem1wUTlvN2xaTTJvTThYOWxMUjkxV2E0eWYtV2FrSjgzcHdiUTB1RFBtRmlwSVhPazVDeTlWVzVYYWp6U1doaFdsTnFzODl4R3NRdjVzV0k2ZGpYSl9xa2VVckl0UU14UG9EWlVIdHpEcDVEUUZMR0Q5Z0twQ3RqNm9RdFVrbXliRWRiNVl3?oc=5) · Nashville Post
- 2024-12-05 [James Allen Lunsway Obituary Dec 5, 2024 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1CbVB2VUk5eVlHY2Ytc2dITGxjdU0tTzhBbDNWT0g0cjk3VzUtRXpKeXNNc1UtZjRjQmhqbXQwVWU3WVdDZDJYLXNab0pmNmd5ZmtGQlhaWUhkcms4bWYzQQ?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2022-06-20 [How FNB Corp. is building a regional hub for growth in Charlotte market (PHOTOS) - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPX1ZtcmtNb0xmVlVuSkdkOGRkWF91ZTNaSXJqYmE3cFlaMGdwMlJMQlR3X2xUSFN4Zk9Qak1nUjEyN3BKQ3NwM19fcDVua0c0VUVZX3k1WjdHMGhoMzZzQTBvbFZpdFlfdUhNTjVGQ29UUkFpSTU2bnVqQjdvNWw1cXF5c1FhM1BkeUl5OHZEVWp5aF9wUS15dnV2aktnRVNhTTZSaw?oc=5) · The Business Journals
- 2024-04-30 [Jamie Lohmeyer Obituary - San Antonio, TX - Neptune Society](https://news.google.com/rss/articles/CBMiggFBVV95cUxPeVRZbE1VOU4tV044R21BaS1SSDJkOUpTSzctcDJjRnBQNjY2UXJoaF8xVExWbmU2OXlMaDdIRmRid2ZMMHdLMVlaN3gzNHEzR3Y3MzJWQ1ctbk9zYkpFeGJqUnRjTHRRbjBOSDhqaFZnMEpfVDZobFhQRnVfbUM1OWhn?oc=5) · Neptune Society
- 2026-03-09 [Gisela Arlet Mandujano Obituary (2026) - Oberlin, KS - Plumer-Gobber Funeral Home - Oberlin - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOa2R1MXY1MkRaOHFkeHh0WFM5S0k1YXNVY0FGZHZHQXhpWmNMbzh6YlY0TDZiRXZkbW5uZHpxVmVHYVU5WHNJWHJhaldkaHJIZEszRk1tMzd5M1FNdFR6OVBqTVI1bWlFVmtjOTZJdzlPcDIxYWw5SU84SVgxbUppT3JaZHJaQQ?oc=5) · legacy.com
- 2019-02-14 [Here's why this Pittsburgh bank stands to gain from the BB&T/SunTrust merger - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQ2NOZmJZdDRJNDdUY1RpbG5lT3hqSmYtdU9VemVxVmJTRGNDUmwzY0FsTzJOTzhYa1hfYXN0ZzVTeTZuOC03c3NBbWhfYVI4ODU2NVdtQlNlbmUtN1ZCNUt0clYtY0VxQk5FUHlqYzBocnlDajhob09RNDY5Q1Y0OGVCazFYdmxON3pMWmZzVHFTd0FwaFNPU3labDJNS0RaNVloVEJrNWJETW8?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14420 (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/20.json (key "14420", 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