# ALLIANT BANK
SEDGWICK, KS · FDIC certificate 15083 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $15.1M | |
| Deposits | $14.4M | |
| Loans and leases | $4.7M | |
| Total equity | $399,000 | |
| Loans / deposits | 31.01% (p5 of band) | 69.17% |
| Liquid assets / assets | 63.06% (p91 of band) | |
| Uninsured deposits / deposits | 9.57% (p57 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.99% (p51 of band) | |
| FHLB advances / assets | 1.99% | |
| Tier 1 leverage | 2.47% (p1 of band) | 10.02% |
| Unrealized securities loss / equity | 11.03% (p87 of band) | 3.21% |
| AOCI / equity | -2.26% (p2 of band) | |
| ROA (annualized) | 0.62% (p39 of band) | 0.78% |
| Net interest margin | 2.83% (p10 of band) | 3.76% |
| Efficiency ratio | 99.75% (p90 of band) | |
| Noncurrent loans | 5.98% (p91 of band) | 1.31% |
| Net charge-offs (annualized) | 0.58% (p86 of band) | |
| Reserve coverage of noncurrent | 75.27% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $108,000 (2.31% of loans; DQ 21.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **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 | 5 | leverage <7%, leverage <5%, losing money, expense ratio p90 |  |
| 2011-06 | 6 | reserve under noncurrent |  |
| 2011-09 | 7 | noncurrent p90 |  |
| 2011-12 | 6 |  | noncurrent p90 |
| 2012-03 | 5 | noncurrent p90 | losing money, expense ratio p90 |
| 2012-06 | 6 | expense ratio p90 |  |

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

- 2018-01-26 [2018 Family Business Awards: Legacy Bank - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRlhyWWNjdlF1ZG9HbUlGbXpNWlpVdzV5VnNEOFdQVVExVTNxYlQzR1BmQXE3aklDbEZFdm5KYm5NS1ZfbEJvOXJqdVRSQVFndHBZMEdCTHJHSm1qTENlclBQcVZlQmJGaC1NUEM3OFhPMmxoNEdMZnNkU0Qyc3pPaUZpSzRoRmlQVV9vSnNTTHdvZw?oc=5) · The Business Journals
- 2025-06-09 [4 Best Teen Checking Accounts - NerdWallet](https://news.google.com/rss/articles/CBMib0FVX3lxTE9QYTBSWWt0WnlrNXRkS2FreWJhcG9jRi1kWkFDcGMyMndIanJMdENtclZaVUNQaTN1bWFGODBQR3NYRUQ2cHFfdk15TFl6eFg5OGhLbS1HdkJYVE00SWc3OGdvTWNsdndVRzFxMU8waw?oc=5) · NerdWallet
- 2004-03-20 [Tessa Cox Obituary (2004) - Sedgwick, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOeHJqUHJfcjJacWRpeWY1ZUFUdDZqSmZiNjU5Wl9hZHU4NEdnNDFwem1UMGtyVTNkOXhFSkdFcGEyZk83bjlNVFNEWV8teXA4TGFXNTVIWHdQN2h0MWp1NWM5N1VlNzEwMW1JV3paM3hlMkJxUjFuRjZiVFVVa25YT3g1S3M?oc=5) · legacy.com
- 2025-12-29 [KC nonprofit reStart buys Midtown hotel for temporary family housing - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQYnBiQWFuMnlONXEzQWh6Zi13NG5zamxMOWd2VlgwYzM5Wk03dS1kWjF6elRLNGJYY1dCU1I0VmhCLVFROEdLSmRwQS1LWnU5Zng2NE93b0x4aW82aGxEYklKQ3dBYjFvVHhWZi1pZDVOVTJQQW1TYi0yYkZKd2dRVXEydTV5aUd3T2JjU21kbnREaG43b0xNS1lxOVk3dXd4ZUJFZ2JydWVpbzhB?oc=5) · The Business Journals
- 2022-04-24 [Jim Giffin Obituary (2008) - Sedgwick, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUGU3SnNQdTdweFR0MHotVERPbmpJenU5bFVWdy1EUWhDN1FXTWNKcjFFejhZeHdQTzctYWhJdE9zamlmOG1FeS1jblMzQTNyLUdzdzdmVXZKdk1pWXp5ZW9CUFVTM3F3ZVNiTFFBbVE5RWtST2V3alItQVp6TVkyaWhRMWUwVXc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15083 (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 "15083", 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