# KISH BANK
BELLEVILLE, PA · FDIC certificate 14969 · asset band $1-10B · 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 | $2.08B | |
| Deposits | $1.52B | |
| Loans and leases | $1.78B | |
| Total equity | $175.1M | |
| Loans / deposits | 116.51% (p97 of band) | 87.10% |
| Liquid assets / assets | 10.35% (p6 of band) | |
| Uninsured deposits / deposits | 35.63% (p63 of band) | 30.76% |
| Brokered deposits | 4.60% | |
| Wholesale funding | 22.13% (p91 of band) | |
| FHLB advances / assets | 12.00% | |
| Tier 1 leverage | 8.92% (p11 of band) | 10.50% |
| Unrealized securities loss / equity | -8.99% (p44 of band) | -7.75% |
| AOCI / equity | 0.42% (p91 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.26% |
| Net interest margin | 3.56% (p41 of band) | 3.70% |
| Efficiency ratio | 61.25% (p57 of band) | |
| Noncurrent loans | 0.57% (p54 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 122.04% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 92.87% (p84 of band) | |
| Auto loans | $254,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $17.1M (10% of equity) (p87 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 285 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 2 | capital falling, reserve under noncurrent |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 0 |  | capital falling, reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | uninsured deposits leaving |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2023-06 | 3 | loans exceed deposits |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | liquid assets <10% |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 2 |  | construction >100% equity, liquid assets <10% |

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

- 2026-08-28 [Kish Bank Announces Key Leadership Roles - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSWZQYVpodWhJN3dYdk8zcmViUlFOSTBTd0RTUHloZFhxT2NOc1FWM21sMGpuRWtNNnZvdHpITGFUcnhfVjNxSnh1OTMzZWFuS3htdFRLTjhhUXB4VkZGME1iX0lyaHJWVTBEeGYzSkN4ZVlJcXJ2OE5XUWZRUjcxb3dXWDJsRTh5VlFWbg?oc=5) · Pennsylvania Business Central
- 2026-06-01 [Kish Bancorp, Inc. Welcomes Tracy Wilkinson as Chief Credit Officer; Ric Sarfert Sets Retirement Date - Business Wire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOUUEta1dpVjZrWTNYU2V5bTE0OGpMWHNBR043NW1YLWpQNlUyemF1endCQnJhenBZbEpNWEZqMjdIbzNrUE5VRXJQRjFwNmdpc25OUUZkTjhHT1J3RjVlYVpGVmJvYllPMnhHQ3h1ZkxRM3ZvdFpvdlFULU5LTGxHbFZIOUQxcXU4WUlVZ3RIVXRoclpwTTRCU1R3TS1HRlVxTnZxc3BCWDZwdFctWndWS3c4U1dSbU9lS2RQdFpwUDUyWXR3dXdqVzVFSG84eXVkNkh1TmNHaW9wR3doMjFKNUFsMzVDeWdhTmg4Rw?oc=5) · Business Wire
- 2026-07-08 [Kish Bank names new senior vice president - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMipwFBVV95cUxPMG1fcDhodlc4dFcwTEE5dmowSm1wMEVLb0wyVklIQm1oekMwd2RBZ2hyTDFySVhIY0VKNGczOWhfZEtLeXhsZWN6TzE4RDR6VWhuQTk5RkEtNjZuUE5TVkkwdUhRWjBBVmxRNy1YR1FmNUlxWVB2WUFlNDVvT3J0LUktaGJ6eG9SbTJHMUJlb2dOUzdmVHN3dHVoQVZhanNfa1dSR0FiTQ?oc=5) · Lewistown Sentinel
- 2026-07-30 [Kish Bancorp, Inc. Names Tina M. Collins Chief Financial - GlobeNewswire](https://news.google.com/rss/articles/CBMilwJBVV95cUxQMjk2TEFPZldSa1RTVkp5WEhOakdfZ1pEbUtsU3FtN0Q4S3ByVVZUeDFUTVZIeWF3c1ViZFJ1blRtdW1QLVJxaXBqM3pSaHhOZXA2ZnEzVlZwOHZaX1lscFhJWmdNV05LYW13TlU0R29LNXlyQ3V4NUNhOUZDMVkyNWdVSHJSa2xrNmlxMk1hYTVyVkhGTDduUGJ0ZkFKQmxQS0dFd0p6aXJGVlZHeThtVnh0Yk9vVll3dFNvb24yendaODhvdHhwT00yX2Nmbjh2UVQxVC1GYVN6T0l3SlN1WWt2ZHRDMEctVWVna244eWNRbWFsOU5fM05zNkg5NW9oeG5ZZG5JT1ZVeDJZbW1KUFNCYVFzWDQ?oc=5) · GlobeNewswire
- 2026-02-26 [Kish for the Cure Campaign raises record $103K - StateCollege.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNUy1yMHZaaUYwdlAxbDFzX1lpalYtcHJKb0h1NzNFOHJIU0YxZHl5SzVncG02blNFaFQwOWZNU2xfeUpkNkVPUG1paXFpc2NSVGVYbjZwOG5XSUJUZ3pLc3E2Sjc5OXBURloxSkZqX3RyQldpMHZuTThhQmpmLWtMcXJDTndQT3JnRWNCdEhPZXNPT1RsLThpeWRFYXZEdw?oc=5) · StateCollege.com
- 2026-05-27 [Kish Bancorp, Inc. Completes $35.0 Million Subordinated Debt Offering - Business Wire](https://news.google.com/rss/articles/CBMixgFBVV95cUxNNkR6VGFycG1UbE5MZGFmVVBaazFXaTFjd3ozc0o4YVZYNjhEYjV2bHRiSW5QczNQbnpNTy1FMVh5RVBvVXBsa2JTTlRMckZ3c1NtUjhuU2R6S1Y3bWE3bWhRb2EzS3hZQmNld21JeU9lckFjMDR2clFNWldOTFljeHNaU2ZFdjFSSHpCMlJRVlduVm4wOUpCZko0RFdnMGgtazdEWVBneEtQcHI2dWxWS0xyMkdnaEJqSk0tdk00S3h5R3REbmc?oc=5) · Business Wire
- 2025-11-28 [PIAA high school football semifinals, Aliquippa-Twin Valley top photos - Beaver County Times](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQZFdRWDlLV05kMmw4eTFzNTZfaU5WR1ZYbElPa1pDamdkdVBJczJlNno4ZnlJM2wyRzZSVVIxbXpkTFNsUjRDXzVCTUxVcGpNeUhsMzNnY25pMk82eUtQTTNhNXZuMmNCUXlReDVnZHdEY0NtTldkWlIyWFpSaTFEOTNwWVVsaVc3WDlaRk92T3ZsTU14RXRXU0N2ekNhQUphRk9RMFhtSEpsNzBwRWNnWUpkMktOYUt5TjM0VXUxUHo2cDBPeGV3MnNUcU05cWNwQ3NxdEdNbktCQmQwQjZjMzRBSmhBYzEwNXIwcGQxSkxveFU5Wk4w?oc=5) · Beaver County Times
- 2023-08-07 [Kish Bank opens its first location in Blair County - WTAJ](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWG1hMWJWSnE2LXM3MHFjU3BNMjVIdndTYnl3ZVAxQmZLMDM0TV94aTMwRlhhdjhkUFppSHhIU2NnTHk1NVJJSThsTWpMZFBiRnFqZ2RLOVJIMmtvdWI3U1ExalJuamdfb0g2ZGNfX0dBSFVLb3RQSUIzQXJhbkJCUlE5VFhmZk9QZ2VLS0VHSXU5UdIBlwFBVV95cUxPbUUxNXJFNHk2ZXZfTFN5a3gzcGtrRjN4aVhqVVNPeC1DU25Na0NOSGoycUdXMEZBellnN2dZWUZJRFhyQnVhcXpNTXdyRWtWOHRXMTN0TTQwZ0FDQkRXcy0tOUhHeHAwOHFremtFTVdtVDBLR281clVKWDRMSXhxUk84YlAwZzlra2hxelhUZW9VUTYtT3dR?oc=5) · WTAJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14969 (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/57.json (key "14969", 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