# FUSION BANK
LARNED, KS · FDIC certificate 15899 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $281.0M | |
| Deposits | $219.1M | |
| Loans and leases | $129.8M | |
| Total equity | $34.0M | |
| Loans / deposits | 58.26% (p28 of band) | 73.59% |
| Liquid assets / assets | 50.68% (p79 of band) | |
| Uninsured deposits / deposits | 24.10% (p65 of band) | 19.81% |
| Brokered deposits | 8.80% | |
| Wholesale funding | 18.42% (p94 of band) | |
| FHLB advances / assets | 9.62% | |
| Tier 1 leverage | 12.76% (p61 of band) | 11.76% |
| Unrealized securities loss / equity | -3.59% (p62 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | 2.01% (p86 of band) | 1.17% |
| Net interest margin | 3.95% (p51 of band) | 3.93% |
| Efficiency ratio | 50.24% (p14 of band) | |
| Noncurrent loans | 0.47% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 347.07% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $165,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | wholesale funding >15% |  |
| 2018-12 | 0 |  | wholesale funding >15% |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 | wholesale funding >15% | noncurrent p90 |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 0 |  | wholesale funding >15% |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling |  |
| 2020-09 | 0 |  | wholesale funding >15%, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | deposits shrinking, assets shrinking |  |
| 2026-03 | 1 |  | assets shrinking |
| 2026-06 | 2 | wholesale funding >15%, capital falling | deposits shrinking |

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

- 2025-04-02 [These are the Kansas City area's five strongest midsize banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZkJNb2VMd09oS1lsWDBwcFhiTmRaR2dVXzRwMkhiZTFhWkRidFdkd0pKX29VN2FFeGdkcVFLQW0wZ0I4T0JsNEZSLU1Wa0xVVTNQcWdJNFhxbFJlWjdLd2pTMzBEZi0tR0FjQzlBUXpLb0dXWGg2R0RXTkxqMXBfOEVMclFjVXF3empSWDVXNmIzamlfMkhaYnd2di1UNkg4ZEE?oc=5) · The Business Journals
- 2024-02-16 [Fusion Bank adds rooftop solar panels to all its branches - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOY296UFVwbnhKRzVHVXRzNWxBVjNZbEgyTzkyTlJYWkxCTUI3ZlJ2a0Y3UjZ5S0w3bllhVkMzSmVnZHdWek5pYmo2VjJSN1Jod2VIZUwwdndwek1xLWNRN29mTDJYeXhMcWRCeDZPM1J0dHRkaFNxWUw1NkZoRHdqaTNPWWVCOGJnQzR4R182XzJNUElBS1FiM2lvMnBYT3BDaGljNmZDbVk?oc=5) · The Business Journals
- 2026-01-31 [St. John Boys 61 Larned 44; Larned Girls 32 Central Plains 27 - greatbendpost.com](https://news.google.com/rss/articles/CBMid0FVX3lxTFA0cEpoY1AySUp3R2I3eUlIWk9FR0V4dC1ITUtyMzctLUU1UVRERWg3UnRia2JhcUh4T3J4dzNMSVJlYS00Y0ZIMzRqSHNWbDRtMDVrYkxzbHlfWXhfNDBNNHZ3U1RrRnNTZXJVSV9CaGVpVHJvSm5F?oc=5) · greatbendpost.com
- 2021-05-24 [Fusion Bank shows its long-term investment in Overland Park with new office [PHOTOS] - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRGFtcDNJbDJDZmhJYm9UMlNNVDYtUndXWHdDSDMzV0VzRTdfbXM0UlZwbHduTmVUVHd2ZFp0MUQ1RDZyclZJTzNBR2VJakJEeTdDUnVUaW1LZ0xxT01sUDNfck5MbW5mdVlZUkZtYThJNTF3Z3RvdDZiZ05hdTNZcjJjendsdEN3bzM2bmNVX2Q1elVqVWNKQ1FobV9nOGxyaUJRS1VQc2o?oc=5) · The Business Journals
- 2024-01-05 [Larned council greets new year’s changes - Great Bend Tribune](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVU0zdnBaOVY5dGFtWVV0SDAxdDMyUTdhb0I1ZTh6M0hNbC1ramNBWHhNTkRieFZTX29MYmZOaVhsMjFjWkhrVHdVcXk0WnFMSnc1U0RfQnlsU2dRY0lRcVZ0UjBxQmZFUERaUXJJTExpTnp3ZlRxYVU5QXNpZnJIdE0yX21CUlRralE?oc=5) · Great Bend Tribune
- 2026-03-24 [Here are the Kansas City area’s five strongest small banks of 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT3B5WFJSM2lfS3RVU2swU2FmWDVVLTZyVy1ab0hiOERpR2JTNVM0Zi1jUTE4LXJfNGg5YWpESmpEZFVMZVc2dklfcVBjcGg4TFRLNGwzQ0gyclF6SVRsLXctR2dITGNjU3JCY0tfVVFmY2RNSDNHSWpVVzVBa3VqTUlvUi1hSkJqS2lrbmRsdkhaeGFNa3Y1RG8tUDlUaDZxN1hlY2p5LThTWGdj?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15899 (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 "15899", 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