# ALMENA STATE BANK
ALMENA, KS · FDIC certificate 15426 · asset band <$300M · latest filing 2020-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 16 (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 | $65.7M | |
| Deposits | $64.9M | |
| Loans and leases | $49.9M | |
| Total equity | $29,000 | |
| Loans / deposits | 68.74% (p43 of band) | 72.51% |
| Liquid assets / assets | 26.67% (p32 of band) | |
| Uninsured deposits / deposits | 2.35% (p2 of band) | 17.44% |
| Brokered deposits | 30.98% | |
| Wholesale funding | 31.44% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.03% (p0 of band) | 10.85% |
| Unrealized securities loss / equity | 34.48% (p100 of band) | 2.55% |
| AOCI / equity | -51.72% (p0 of band) | |
| ROA (annualized) | -7.28% (p0 of band) | 0.95% |
| Net interest margin | 2.43% (p8 of band) | 3.57% |
| Efficiency ratio | 207.10% (p99 of band) | |
| Noncurrent loans | 23.84% (p100 of band) | 0.49% |
| Net charge-offs (annualized) | 1.96% (p100 of band) | |
| Reserve coverage of noncurrent | 43.86% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $1.3M (2.59% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.7% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 1 | liquid assets <10% | uninsured deposits leaving |
| 2012-12 | 1 | capital falling | liquid assets <10% |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 1 | liquid assets <10% | capital falling, uninsured deposits leaving |
| 2013-09 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2013-12 | 2 |  | loans exceed deposits |
| 2014-03 | 3 | loans exceed deposits |  |
| 2014-06 | 2 |  | loans exceed deposits |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2015-03 | 2 | capital falling | loans exceed deposits, brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2015-06 | 4 | loans exceed deposits, reserve under noncurrent |  |
| 2015-09 | 0 |  | liquid assets <10%, capital falling, loans exceed deposits, reserve under noncurrent |
| 2015-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 2 | capital falling | loans exceed deposits |
| 2016-06 | 2 | loans exceed deposits | capital falling |
| 2016-09 | 1 |  | loans exceed deposits |
| 2016-12 | 3 | brokered >10%, wholesale funding >15%, capital falling | liquid assets <10% |
| 2017-03 | 1 |  | wholesale funding >15%, capital falling |
| 2017-06 | 2 | wholesale funding >15% |  |
| 2017-09 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2017-12 | 5 | capital falling, reserve under noncurrent | loans exceed deposits |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 5 | loans exceed deposits, charge-offs p90 | brokered >10% |
| 2018-09 | 7 | brokered >10%, losing money, uninsured deposits leaving | reserve under noncurrent |
| 2018-12 | 9 | leverage <7%, capital falling, noncurrent p90, reserve under noncurrent | liquid assets <10%, loans exceed deposits |
| 2019-03 | 10 | expense ratio p90 |  |
| 2019-06 | 9 |  | capital falling |
| 2019-09 | 12 | leverage <5%, deposits shrinking, assets shrinking | expense ratio p90 |
| 2019-12 | 13 | expense ratio p90 |  |
| 2020-03 | 9 |  | charge-offs p90, uninsured deposits leaving, leverage <5% |
| 2020-06 | 13 | leverage <5%, charge-offs p90, uninsured deposits leaving |  |
| 2020-09 | 16 | capital falling, AOCI drag >20% of equity, NIM <2.5% |  |

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

- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2020-10-26 [Kansas regulators close Almena State Bank in year’s 4th bank failure - Banking Dive](https://news.google.com/rss/articles/CBMif0FVX3lxTFBadmlXNzRrQkpBaW02NElnQno2ODFJM3lZQkd4eXFPSTVfTnMtb2xyMTA4UVo1dzNlRjN4aUpfNTJ3TC1Pa2NWelNSV3VmaS1mQWEtaW9HNzZCbGcyMnlWbnZ6UXd3TTJ3SXFlUHpnS1I3VmRWMDRsWWVvMWZWSVE?oc=5) · Banking Dive
- 2023-08-11 [‘Huge scam’ in rural Kansas town fells fourth U.S. bank in 2023 - Kansas Reflector](https://news.google.com/rss/articles/CBMiogFBVV95cUxOak84UkE0dGZGMlVsMnVMX1A5NDg1b29zZnVWOC1adF9sR3VYRWVxY1lhaTBTTHJieW9GakhITTNHWi1BNjZsZHNwRTIyMVJWcHZWZXkzQklLcU5ET3BGV2hzaTc0ZGY4bWltbzRTbWZybzh2VzNaRWczNTBZRmFIN2hWeW1kRjAyZFZxb19YbnU1eF83cnBrS0xnYXlqVTdxM3c?oc=5) · Kansas Reflector
- 2020-10-23 [Equity Bank takes control of Almena State Bank - The Business Journals](https://news.google.com/rss/articles/CBMigAFBVV95cUxQdmlab3BoNFFVa3pLVF9aeXBMWlhrSDROMmpCaXY4bG84OTJ3WThzaVpQZC1fSUhyLTBjQmczU2RubzNvUUJzMXJwelZvR2N2TVY5M2RQMUNYS29DbVRJQWxPdTZvQ25aVjZ5LTNlenhsem1MRXJKWGgwTHpYVFVMdg?oc=5) · The Business Journals
- 2024-08-25 [David Van Patten Obituary Aug 25, 2024 - Midwest Cremation and Funeral Services, LLC](https://news.google.com/rss/articles/CBMib0FVX3lxTE12cmtRdDB1bWxtSUFCckdBM3VoY3picEFzRkptOWNFN293c29RaGlMLTJ6SzRGcDJuUnlIMGZGMzlsMGJmdElHRUVQamEzMm9LY05aazB0YTRvMkJIRGo2MzNxSzNPZXlSZGkzbE1KYw?oc=5) · Midwest Cremation and Funeral Services, LLC
- 2020-10-26 [Equity Bank takes control of Almena State Bank - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxNR2hLX3labXpIenU4WWZtVHEzM2twSEVZZ01NWDBwcGdRMzdSV3pHbTVDdVdOLXJmS0hZTGNQTzF4elg2bWZaSFl4U2lJMXc4dEZYR0ZYYjB2SGVHTjBTN1FVTUM4Q3RvZUlDMk96VXpKRkhMcEhVM2k0b1JKbHFxNTluZUg?oc=5) · The Business Journals
- 2020-11-19 [Sale Barn Owners in Kansas Indicted in Multi-Million Dollar Fraud - drovers.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSFhkcXNxQTlsdVJ5MUhROWMtajgyTndSVnVWSi1kUEVjZ3hkQ0tpV25yX0pVblcxcXNHb21kTk1BWXVuSjJIb3VEbTg5TW41Z3NwOTZnYjVYeXNTbnBzUlV4THpWWm5RQm9kTGlrN2RLQzFjdXZxT2JacDFJVGlNN3BicURmMDlSMF92clhnb0lGdw?oc=5) · drovers.com
- 2022-12-06 [Over $2 Billion in Total Losses, Kansas Sale Barn Owner Convicted of Fraud - drovers.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTFdQZDlqaDVkX09FRG1qYmNHRkoxY1RySnZzX0t0RG1HMjI5SU93eTN0MGZGYW1qbG1kSW52c3o5bjlTb1k0b0F5UnhUamJyTUFsUnl4T2g0aENTNXZqRTdkazNxUHJ3ZTRjbXBnNUdFNTFuT2NVSzRTRUo2OTVfUW5BVWJoam9iWGhQdDVyNGcxMmpITk9paUQ5RXpGR0hYam5KNXNVdw?oc=5) · drovers.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15426 (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/2.json (key "15426", 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