# ELK STATE BANK
CLYDE, KS · FDIC certificate 15259 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $138.7M | |
| Deposits | $109.0M | |
| Loans and leases | $77.8M | |
| Total equity | $10.0M | |
| Loans / deposits | 70.40% (p45 of band) | 73.59% |
| Liquid assets / assets | 41.18% (p65 of band) | |
| Uninsured deposits / deposits | 5.63% (p4 of band) | 19.81% |
| Brokered deposits | 4.35% | |
| Wholesale funding | 18.11% (p93 of band) | |
| FHLB advances / assets | 12.04% | |
| Tier 1 leverage | 8.25% (p4 of band) | 11.76% |
| Unrealized securities loss / equity | -32.09% (p13 of band) | -6.57% |
| AOCI / equity | -0.02% (p69 of band) | |
| ROA (annualized) | 0.70% (p25 of band) | 1.17% |
| Net interest margin | 3.03% (p13 of band) | 3.93% |
| Efficiency ratio | 69.31% (p58 of band) | |
| Noncurrent loans | 0.00% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 34433.33% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 1.56% (p22 of band) | |
| Auto loans | $511,000 (0.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | brokered >10%, capital falling |  |
| 2012-03 | 2 |  | brokered >10% |
| 2012-06 | 3 | assets shrinking, uninsured deposits leaving | capital falling |
| 2012-09 | 2 |  | assets shrinking |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | brokered >10% |  |
| 2013-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 2 |  | brokered >10%, uninsured deposits leaving |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | brokered >10% |  |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 3 |  | deposits shrinking |
| 2016-06 | 2 | reserve under noncurrent | brokered >10%, uninsured deposits leaving |
| 2016-09 | 3 | brokered >10% |  |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | uninsured deposits leaving |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 | deposits shrinking | brokered >10%, uninsured deposits leaving |
| 2018-03 | 3 | brokered >10%, capital falling | deposits shrinking |
| 2018-06 | 2 |  | brokered >10% |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2019-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 | brokered >10% | deposits shrinking |
| 2019-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2020-03 | 1 |  | uninsured deposits leaving, brokered >10% |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | wholesale funding >15% |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | wholesale funding >15% | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 5 | NIM <2.5%, uninsured deposits leaving |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | NIM <2.5%, uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

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

- 2025-11-19 [Elk State Bank Donates to Brown Grand - Concordia Blade Empire](https://news.google.com/rss/articles/CBMiggFBVV95cUxNLXBLRzRmcmlpX1pCbm5ZUExTZk5hTUE0Zl95ai1mMVJ0OFV1ZzNTaUNVaEl6X3F0UDJGVmxPS0E4SEhGd0d2TXF0RnV2Y1ZXQzFvd1FEWkJvTS1SeE4xNGJZc1RZOEVLSDMyY1lhUVhKc2VJalA3QzRRTWVEWDJ2RFp3?oc=5) · Concordia Blade Empire
- 2026-03-15 [Dale E. Swenson Obituary Mar 15, 2026 - chaputbuoy.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBTQ3hzdGI5ZjFIdUNXOUJSOVBFbDlIekNCWkJNRXZHbEtNUHRkRlFmeXotXzZZNDNFc2pZeDV2M1NYZDRId1FPMng0a2c1dXBIQ0FqTkRuV18yOVdwYVJV?oc=5) · chaputbuoy.com
- 2025-09-20 [Paulette Hood Obituary Feb 15, 2016 - nsrfh.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9wbVlqYjdtWm13Ylp6VVN2UkdOUlZCalVic3JZTDRoY0UwenRTZHBuTFBSNjY4NEZhY3VmX0swSDAtNmc3SV9pRVV5NGhwSjlWZHJ2Uml4TjhHZw?oc=5) · nsrfh.com
- 2021-03-12 [Harold Duane Poland - KSAL News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE00eWJEUExLV1JNT3V5cFZ4WWRsR1o4VkJaMFBJYmJ0SVdPQXFWTzRTTWFlRXNKTF9CeFJlbGwwanJNYlNJRUx0dVlnaUtIWWNBcUJWRnMyVXhBSHhxeEY3aVFR?oc=5) · KSAL News
- 2023-12-16 [Joyce May Tholstrup Obituary Dec 16, 2023 - chaputbuoy.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE12clVoMjhtWkUxT0VOMEt6VmdvaW16ZVNPSGYzSEtzSXQwU2Rpc0cwSlkyRllDc204ck1nN0I3aDlDNENqX2NDVnlDdWlnemhHMHZzS0x5ZlBBeWVReTVQSzd2OA?oc=5) · chaputbuoy.com
- 2025-03-19 [Ohlde wins Pioneer Award - Concordia Blade Empire](https://news.google.com/rss/articles/CBMicEFVX3lxTE5BQVBZVi1mZFJtanpKS2lHcTlsU1lGbHhKYkZHWV80NnQ3T01rWFh1TTh1cmw4d2sxNk9tYmcwVFVnblRNV3JzSm9ZTkZjMEoxWFJtemZURWUzejZxazh2X2RMODJMRmxoOXRYdkN4Z0E?oc=5) · Concordia Blade Empire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15259 (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/27.json (key "15259", 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