# DENISON STATE BANK
HOLTON, KS · FDIC certificate 15305 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $453.6M | |
| Deposits | $369.3M | |
| Loans and leases | $303.7M | |
| Total equity | $74.8M | |
| Loans / deposits | 81.40% (p49 of band) | 82.04% |
| Liquid assets / assets | 27.40% (p57 of band) | |
| Uninsured deposits / deposits | 16.03% (p15 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.81% (p40 of band) | |
| FHLB advances / assets | 1.81% | |
| Tier 1 leverage | 17.53% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -10.94% (p41 of band) | -8.10% |
| AOCI / equity | 0.07% (p83 of band) | |
| ROA (annualized) | 2.00% (p86 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 48.86% (p16 of band) | |
| Noncurrent loans | 1.08% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.53% (p97 of band) | |
| Reserve coverage of noncurrent | 94.20% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 29.51% (p36 of band) | |
| Auto loans | $3.0M (0.98% of loans; DQ 2.98%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

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

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

- 2021-12-09 [Tuley selected for HOF - The Holton Recorder](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1CNFozUjB4WUlMZEc0eFl6NXg0Q1A3UllRZFhtNGhtcXMxWmdtS2QxaUt0clVRcU1KUDE2SzVTM0laVXNKZjI1bWYxdFpkVUxseHNDdzQ5TE9TbkphQ1F5ZGFqV20?oc=5) · The Holton Recorder
- 2025-02-16 [Betty J. Moser Obituary Feb 16, 2025 - Mercer Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9HeXNKcjQyaENyUkZDX25OdENCelNkSnZXNHNlby13OWFwdmVvOFh4M0psSGxjTW02MWpsRjlYdy1OTmJnYnNHejRGdVdzZlZoY0pBOWVjbXl2MTRLUGx3ak8ycTlZUnAx?oc=5) · Mercer Funeral Home
- 2013-04-27 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPbjZHbXFGTDlETkNtWXZvblIzNEc4ZGdERWdZMi1jb0NzeWI0d1MyQmFObTh4RW1UaURxTGtxOVEtX1NKZjlTOFVtMldwdHhYYWZMYTJKMlRzVnl6VVA3WFZDSjZFODl2ZG03NmNBbVVnTTN6S1RMMkJPdzc4a3VQUlZ1ejFKZklFOExv?oc=5) · The Topeka Capital-Journal
- 2024-10-04 [Douglas James Saville Obituary Jun 19, 2015 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMia0FVX3lxTFBtYlA1amhQSFFfYzRzOTdCenM1LTlEeVl6Yjd5ODJHOElzSklVbk1JRkRFZjFQdVdnYzJfeDRUVWpQUXJMT0hFX1BqQ2VOVmVrUWZCSHVfTTkyRmg3ckpQb3gxVzNmd3p1cHNZ?oc=5) · Dove Cremations & Funerals
- 2020-08-30 [Dennis F. Hadley Obituary Aug 30, 2020 - Mercer Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBaWjlmbnhqYTZZeWF6RkIySTVFUXYyV194Z3FHZUd3c0FWQVB0cnEyLTAwSzJBVVNlQTF6Nzdrdk00c1NUWTd4cUlKM1FvNlZsTnhqaUFNZTdsNEtEUzhkdlc0dEowQkJCV1Z3?oc=5) · Mercer Funeral Home
- 2020-02-08 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxOUlRkRFRXWXF1aUM2bUpaSVpBQ29FbWZVa0FZbEhPWjRaemtrLUZ2WVBQXzZ3aHJmajUteFA4T05jU25CazdCcU84ank0MTl2MFRYZWlLZk5yT1VNUDNjaUsxcm9HYk5fWlg0bjNIRWhMWFNiZXd3dUQ3Q2pmUlZhWlNFS0tGN3A2aGwtQnRtbU9pOXB4SlJURkNPUUgtdw?oc=5) · The Topeka Capital-Journal
- 2019-11-27 [James "Jim" S. Birkbeck Obituary Nov 27, 2019 - Mercer Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFBHZTk4Z0RNenZXT1BrZnd0Y0pxZWVXTWdqWkdjU1lGSmxwZEN2dDZLbEpUd3hTVE44R1hDU1R5Z19OZ29hUEFrLThWaDhBUVA1dTEwTjVRdU9oSGJBUjdMYkhhbEVIMmwwXzFQTWRjNA?oc=5) · Mercer Funeral Home
- 2013-05-24 [Pickerell to direct Equity Bank's Topeka operations - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxPdkZTbzRZMVljMzYxeUtjUTJiN2h4OWNnM25vVmdhcVhFVXNOZ3hSMGJYajNub1dHQ3Bja2JjMVA3b09xQWtOVFVqWmE3UE5adTdCSDAySndBc0RQVmNkNXBMS3Nfb1FaaW9LZWVydjJjS3NHRVQwY2xxVnVvRllwd0hTd0FBSlRUSmxqTVRIam5oV0ZfSWxXOUF0eVplOFh0QWJnT3pWc0tYY05IV01ITg?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15305 (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/9.json (key "15305", 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