# JOHNSON STATE BANK
JOHNSON, KS · FDIC certificate 15237 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $96.6M | |
| Deposits | $80.7M | |
| Loans and leases | $35.7M | |
| Total equity | $12.7M | |
| Loans / deposits | 42.56% (p14 of band) | 73.59% |
| Liquid assets / assets | 57.46% (p86 of band) | |
| Uninsured deposits / deposits | 27.68% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.83% (p63 of band) | |
| FHLB advances / assets | 2.83% | |
| Tier 1 leverage | 14.72% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -16.70% (p27 of band) | -6.57% |
| AOCI / equity | -0.64% (p39 of band) | |
| ROA (annualized) | 0.93% (p37 of band) | 1.17% |
| Net interest margin | 3.37% (p24 of band) | 3.93% |
| Efficiency ratio | 74.47% (p69 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | -0.08% (p3 of band) | |
| Reserve coverage of noncurrent | 3152.27% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $739,000 (2.07% of loans; DQ 1.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

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

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

- 2022-07-20 [UPDATE: Kansas Bank Cancels Plans to Force Wild-Caught Turtles to ‘Race’ - People for the Ethical Treatment of Animals (PETA)](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdnJmS2dxTXpnRFpvUnEyZm5Ub19TdW52allWVUR3VUZQYnVfUW1GRE1tVGk0MDJ4S25VaXdKZ2tLeFk2dXZXeldEOGlIVW1xT1FYM3cxd3JuaUg1ZkRzYmJvb1BiVWgycE1RLXAtV1ZndF9FcGtmRlA0Z1pBR2Ezb3pVdFdaTElfVVE?oc=5) · People for the Ethical Treatment of Animals (PETA)
- 2017-01-25 [Terri Sue Ashida-Fields Obituary Jan 25, 2017 - Miles Funeral Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA0NldFUmlWUXdUU3RLeWgxbXcxay15bEhXbDN5eUJPdUlEOHdfV1ZtSUN2UGE1QUVzM1BUdk5QMk5Yd2E2U0l6X1JUUkx3Ny1SWl96UDdobnk4TExzRFlaYWJDdTY?oc=5) · Miles Funeral Service
- 2025-09-23 [Clyde L. Smith Obituary (2025) - Brush, CO - Heer Mortuaries & Crematory - Brush - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9tY0F4NkJVelY2NnRLVV84T21VUmFfS0dISmVISHJ4X3dYY0ozdW5pRTNoQlZpdnhJYzVZanJaQWFsT25jV1RjMmVIbVROWGwwVWFqbjFUaGRIaG5waFBHakVVbDl3YzNaVmlMd0xIb0VrUlgwdUFXQTFaR3BYU2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15237 (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/5.json (key "15237", 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