# BENNINGTON STATE BANK
SALINA, KS · FDIC certificate 16402 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.42B | |
| Deposits | $1.22B | |
| Loans and leases | $901.6M | |
| Total equity | $130.5M | |
| Loans / deposits | 72.17% (p19 of band) | 87.10% |
| Liquid assets / assets | 33.79% (p82 of band) | |
| Uninsured deposits / deposits | 38.79% (p70 of band) | 30.76% |
| Brokered deposits | 0.35% | |
| Wholesale funding | 4.48% (p44 of band) | |
| FHLB advances / assets | 1.06% | |
| Tier 1 leverage | 9.51% (p23 of band) | 10.50% |
| Unrealized securities loss / equity | -9.45% (p42 of band) | -7.75% |
| AOCI / equity | -1.45% (p9 of band) | |
| ROA (annualized) | 2.50% (p96 of band) | 1.26% |
| Net interest margin | 4.06% (p72 of band) | 3.70% |
| Efficiency ratio | 40.32% (p9 of band) | |
| Noncurrent loans | 0.29% (p31 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 690.01% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 48.35% (p51 of band) | |
| Auto loans | $5.1M (0.57% of loans; DQ 1.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 29.7% | |
| Employees | 169 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 0 |  | noncurrent p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | noncurrent p90 |  |
| 2020-09 | 2 | capital falling, charge-offs p90 | noncurrent p90 |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-24 [Bennington State Bank expands as it acquires Flint Hills Bank - Salina Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQalZESENiMC1nNVVYMWRyendQR19kNGljeFUwRjk1Yk03Z0VVeWViNDFjWFVLaUtkLV9kX0VhRVNhenJVbVBCT1B1SnFuY1ZScGpZcERQd1pMbFFRWThZYnZDQ2w0T3FlalRyZTlyYkt6bEVMS215UEZ4TTN5cHVtY0JpbENMREZtUE1pWlNtMzFsTWdIamJqMkNtVGlIOGI0aEtuTHllbDZuSjBuSExNT1hwLUhuWDY5dlpKaW1NQm1pNW8?oc=5) · Salina Journal
- 2026-01-21 [Bennington State Bank to Acquire Flint Hills Bank - KSAL News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5HMmdXREp1dmFxV09QbWx5bktSaF9uUWRUY3BURlZuZElGUkk4dkRuUktmYUZaUE90YkJ1Z0REbDdWck9QdUppUTBNMC1sZUdlaWFHSlkyTHhiTE03TkRYNW1OOEtZYm5CclpaTE55Zkl2ZTEyUGdiOEFvRQ?oc=5) · KSAL News
- 2026-01-28 [Bennington State Bank adds 4 locations through Flint Hills Bank deal set to close in Q2 - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaEFqSHBBZldheE1VaC1PbUFuTG9DYXVoWllwNFcxMEJ2N3JIRUpBQXFhMmxDVURKOVlOWjVLRHplNGV0ZDk1QWh3NF9mNUtkd3ROd1ZfZDBCcUpZLTJzMEFnWW9FcXVVYXNYQkVsVGhBX3FzUUlKWmVYanFtRmV5anAyb2w?oc=5) · The Business Journals
- 2026-08-14 [Bennington State Bank’s, Lamb honored for 50 years in banking by KBA - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE1ZZG1DNFRZUUpyVFdHNkpjNk1NYV90a3lmZFVqS1h0eENRQWdXbTJJREdmaVlTVWc2QXg2T1NBcldJby1aQVVpdjBzNmhwUDlhS3ZmeTZ4OFBlbS01SFJsWG1YWXgybnkwRS1wc19XaTVKN00?oc=5) · Salina Post
- 2025-11-25 [Salina police looking for suspects in “jackpotting” thefts - KWCH](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMEtxV2hqcnhiWTJXSEJPNFRBOEVYaGd4NmZxOEx4VmFBYW80MXpGYnkwTVMyNzBoUVNNZ2xZaHdPRnJDYXRwd3c4M3pFTEVoUW1SVVZ6TWU2X0tXRGtXaVhvQm56TXBqV1k0NjZYbTJhSTR3dFd2WmRLenRVM3ctVzhIanRxV0M0NkHSAZ4BQVVfeXFMT0NMRHUzZmJaS0tRTG1WV2hQeDhzS05UWkZwMG9oVzBqNkxENE40eUpsdmJXX19vMlBuUlBZWVBCc0V6LTFycXRQRnVhWTFLWVhwd2lIUDdTQ2piakFWUFhVODVzYTdVZEpodks5anlkb2I4ZmFyenozUGpSVWVwVU1Wc0c5TnEzVk0tbVZCTGhGRUFDV2VESHlKVHdtb2c?oc=5) · KWCH
- 2026-04-12 [Bank Merger Officially Complete - KSAL News](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBwNy1VSms1QzlpR010UDltSjF3clhHQ0lqNUZ0WGZvOTVFUGx2c1h5djR2SEdQaVFHMGNwLXpHYXMxLTlidUJDMkVYc25Fb3JkdDhhWDVhcUZxd2c3ellwcUU5aw?oc=5) · KSAL News
- 2025-10-04 [It's Your Business has Jason Hoffman, Terry Siek, Kevin Gill, Ryan Petersen - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxPTC0wVGl6SlFnOXNlMTZibU4wWUVZdWhfMjEwSUV3bDdFaHo1b1pZbDdiMERNT3BMRHdjZG55dVpya0RKUmluU0RNaGhCTm45ZENWc0w0aHpEOFlDQmxZNE04TUhMNlhwWjAxSkJZV1l1aDZZRHlRYUpLTHhnVUlOQkM3TEVaX0ZUQ2ZLc01DYnMwSXp2bHRUYTJHeUQzcEh5b0JVUVBYTmxwSnFrWWgtMGZXSlBZMHUzMlJTZkNZRV8wZW5oR1NF?oc=5) · The Topeka Capital-Journal
- 2025-11-26 ['Jackpotting': ATMs rigged to spit out cash in Salina | Trusted News Source for Wichita & Kansas - kake.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNV19pOUkzZGQ1UFphcUtlRGRsTnJESEdfQ1NHTDFSUzBpYVpDWDc1WnZ3VlZ2MHplOHl5bG50TzBLTXptQVRtQlRxSGJpMGdJTXYxOWdSQTNQcllIVTBTaFNTb1ZhTWM2LVVaTHBHMzhvcEQweEkxWWNfTllBTzQxTjdYUU9sQ2JwQVlMRERYRUxQN1hXZ0lTS3FXZS13allHMUt2X2dOa1RrMnpkRnlMUUdEN29td01YT0J5VDc1QU82RXpI?oc=5) · kake.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16402 (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/18.json (key "16402", 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