# TOWANDA STATE BANK
TOWANDA, KS · FDIC certificate 15009 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $10.8M | |
| Deposits | $10.3M | |
| Loans and leases | $5.9M | |
| Total equity | $439,000 | |
| Loans / deposits | 55.51% (p35 of band) | 64.15% |
| Liquid assets / assets | 43.64% (p56 of band) | |
| Uninsured deposits / deposits | 5.77% (p6 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p48 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 4.10% (p0 of band) | 10.40% |
| Unrealized securities loss / equity | -4.10% (p4 of band) | 0.89% |
| AOCI / equity | -0.46% (p63 of band) | |
| ROA (annualized) | -1.25% (p2 of band) | 1.04% |
| Net interest margin | 3.11% (p40 of band) | 3.30% |
| Efficiency ratio | 140.85% (p98 of band) | |
| Noncurrent loans | 13.70% (p100 of band) | 0.35% |
| Net charge-offs (annualized) | -0.02% (p15 of band) | |
| Reserve coverage of noncurrent | 25.00% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $403,000 (6.80% of loans; DQ 34.00%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2011-09 | 3 | capital falling | reserve under noncurrent |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2014-06 | 3 |  | reserve under noncurrent |
| 2014-09 | 3 | reserve under noncurrent | capital falling |
| 2014-12 | 2 |  | losing money |
| 2015-03 | 3 | losing money |  |
| 2015-06 | 4 | noncurrent p90 |  |
| 2015-09 | 3 |  | noncurrent p90 |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 5 | noncurrent p90 |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 3 | losing money | capital falling, noncurrent p90 |
| 2016-12 | 3 | noncurrent p90 | losing money |
| 2017-03 | 4 | losing money |  |
| 2017-06 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 6 | capital falling | deposits shrinking, assets shrinking |
| 2017-12 | 4 |  | reserve under noncurrent, noncurrent p90 |
| 2018-03 | 3 | reserve under noncurrent | uninsured deposits leaving, capital falling |
| 2018-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | assets shrinking |
| 2019-03 | 4 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 4 |  |  |
| 2019-09 | 6 | leverage <7%, charge-offs p90 |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 7 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2020-06 | 7 | capital falling | deposits shrinking |
| 2020-09 | 10 | leverage <5%, charge-offs p90 |  |
| 2020-12 | 10 |  |  |
| 2021-03 | 8 |  | uninsured deposits leaving, charge-offs p90 |
| 2021-06 | 8 |  |  |

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

- 2022-12-21 [Vintage Bank Kansas adding west-side Wichita location - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbE4zdEI1ZENFUHRFLUpfWE1MWEFxT25CSnFueGpHczd1LWJsdmFUWXU5TEMwQjVzNHdhSHlVVF9VVlNOdjFtSEVBNlJEQ2J6RnlhNUdFSnJVQmlMdjZEcTJUZS0yZGRJWEVWRkM4eF9NMWpqSXdsazY0TGJONlVZN2RGYVNXRVRvMlM1bGNnYWdQa2ZlR09HY2xFLUxBNHVORWk4eTBB?oc=5) · The Business Journals
- 2023-12-04 [ELIZABETH WIENS Obituary (1936 - 2023) - El Dorado, KS - Butler County Times Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMipgFBVV95cUxPdGYzZ012QlNmeVRtRE1KRzQtX3FubzNXOTN3d29pN0Z3MlFWQVk1NUlycVhHOVh3V196cUdEYUtiVkJwcGY4TllVVml6eVkxMF9lRTBibTh5YVNDZ3ZmQ3gydmNtZU91OXNyMGRubUw1cnVycGl4dE9rS0JZUzF4UEExZ2tqeVBNckdQdUtDdDNCYnAzcmZ1T1NOV3BrSDJNQ3k4b2ln?oc=5) · Legacy obituary
- 2018-05-15 [Hevin Thomas Obituary - Wichita, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBEbGNNU0RNZVh1TGxxQ01RMnhLVWpFQmJYeWNFaUV1eG5mZ3ZCQVVycmdZNTktYXpFNzlFa3FSWjVFZlpiWmczN0RJdl9BYUZYLXQ5LW9yTm1Dd1hfSEZjSjlVUG5lbVd2dVFiWGNGX2Y4TlJSNWZHa0J0c2ZaSDA?oc=5) · Dignity Memorial
- 2021-10-11 [Frederick Good Obituary (2011) - Wichita, KS - Wichita Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxPcjZUcXVCVVVmOEc3ajdIVk5hNlFUWlpqbDYweHctOFFVLVN4YlMwSG8zYlR0bmFsbnA2Ykpyczd0aVdpQl9ubE9DaDNYS0ktcW1NcUZWTVZoNXowUHVKMFZVdVVCS1hmMFppbVo1ejh3bVQ2aWtGMUVaVWl4MkNmZXltMHhRNG83ODhUQg?oc=5) · Legacy obituary
- 2004-07-07 [Taleesha Pratt Obituary (2004) - Wichita, KS - Wichita Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxOc2oyUXZyazAwQktpeXlpaTYxR0JkbUJOOTUteC02ZHA3NktEMXpnY2tybEZJalc3Qkg2dFRlNkdrUzdhbFhqMUV4aTRUQ1pvemdqRzhvRVdjR0c1TkZrWjFGRjdtQTQyYjdMcThkSXAzRTVzV1g1X252anZoQWxqRmxXMTZvVWtqT1g0Tw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15009 (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/33.json (key "15009", 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