# ST MARYS STATE BANK
SAINT MARYS, KS · FDIC certificate 15312 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $95.0M | |
| Deposits | $81.4M | |
| Loans and leases | $61.5M | |
| Total equity | $11.1M | |
| Loans / deposits | 74.19% (p45 of band) | 76.78% |
| Liquid assets / assets | 34.14% (p59 of band) | |
| Uninsured deposits / deposits | 13.41% (p42 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.46% (p54 of band) | |
| FHLB advances / assets | 2.46% | |
| Tier 1 leverage | 11.92% (p61 of band) | 11.19% |
| Unrealized securities loss / equity | -2.48% (p49 of band) | -2.38% |
| AOCI / equity | -1.62% (p43 of band) | |
| ROA (annualized) | 0.05% (p6 of band) | 1.00% |
| Net interest margin | 3.81% (p51 of band) | 3.78% |
| Efficiency ratio | 100.20% (p95 of band) | |
| Noncurrent loans | 0.09% (p24 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 1969.09% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 42.85% (p75 of band) | |
| Auto loans | $1.0M (1.65% of loans; DQ 0.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | expense ratio p90 |  |

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

- 2024-06-13 [Karen Rezac Obituary Sep 23, 2014 - Campanella & Stewart Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1jdDhDNkNRWUdqeTZ6c1RWaXhuclV3Wk8wQUxsSlZpSHhzTFU2dmNyT0ppck55Z0NsSlhlNWhyaG1QNHRfa2NTSW9tLVVEVWhmNHFZb0Y2Y3VkeVk4UEpkU2RR?oc=5) · Campanella &amp; Stewart Funeral Home
- 2025-06-11 [James "Jim" Lawrence Mees Obituary Jun 11, 2025 - piperfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9MTXY4RGJNUDU0TjZTVzBhM1FDdjZ2NFFpZ1BRSW9vSUN1T2R5Qk9QWnJyX2pDSHFxVUkxcGN4eEVNWmFIMnhJOTAtZ1hmZDZmQ1dzU0N6Vi01QTJKWnRpTDIxTXcyS0lja2c?oc=5) · piperfuneralhome.com
- 2022-10-02 [Ronald Perry Obituary (2022) - Saint Marys, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeHo1TjE2UHpMUGxuazJPaEV0MW1pWDFaN1lEdzFpcDZnRVI4dEFkM1BBUTl2ZDY0R3VsOWZmRXdFUlI1MWQwb3VTZVFiR2FDQzdBd2ZabmlkeXMydVBWaGtyLUhLbldvT1dqQ1ZCT1FFeFhoTlJzZkJhSzl6b3hEMjFxSlJ2N0Y3b1JLczdvNE8zRkk1TUE?oc=5) · Lawrence Journal-World
- 2021-11-13 [It's Your Business for Nov. 13, 2021: Fidelity State Bank & Trust and Stormont Vail Health make hires - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNUzFSSU4zY2c5ZGx0TFN4eTRJMjdtUDVETHFfVEM0aHFXZng4eGJlR0JCZ3VURXhlV3lOb3k0UkFsS2VWclE0V2FtUUpnbDRnVjlSdEZMT1BzaUpXN2NoZWItYTBVY0QxYnNKYi1CT3hFcVFVN1dlSXo2ZnY3WXhoQkc2ZDRYRzRzb3NBSGFlNEdnc0dYb0FDam11VEFiSHdwM2dQZmdURl84MlQyeGlKanVHdXVXMldMUlhKMkRoWWI2THc?oc=5) · The Topeka Capital-Journal
- 2024-09-13 [Karen Lett Obituary (2022) - St. Marys, KS - Piper Funeral Home - Saint Marys - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBZTnd1Y3g4eGlxR1NtUGYtd3dWeHRqQnIyVV9OcDBLWGNDdjNWellGeTg1c0Y1UFY0Umt6OXF4bmFQc3ppYjJuT0stdW5NSmxJT0VVRzNVRXVCWlI3M2luZ0xZNGk0V3Q0YUEyUGU3SmdDeEpiVm9lTHhhNTQ1UQ?oc=5) · legacy.com
- 2024-06-17 [Mary Lee Ronnau Fields Obituary Jun 17, 2024 - piperfuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9RMFQ4NlhNV2RfejNpUzU2WUs2Qm5HZktja0Y0eUpUNXhJU2VsQVRTVUtFcDdyVWhzbXJ0MmtLeG80VXBwVzE4S0JJNXlXUkl3V0tCVnExdUZwWnZBbG8xMWhlZTZOZ2hOYkZ6Z2l5dw?oc=5) · piperfuneralhome.com
- 2021-05-28 [Cheri Gamino Obituary May 28, 2021 - piperfuneralhome.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9ZZzJuRHBna0RnNmtBQmw4a3JQVFRuV2FSOFJ4dXFpU0RUTFdKWFNLMXRiT1FpMkRQRlB6Q3dHbVpHbEhaZWhsRHBHNzFxdFpRUjhSSDJ4NTZQS3MzS2k3RkdBOHpJYlU?oc=5) · piperfuneralhome.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15312 (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/16.json (key "15312", 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