# FIRST BANK
STERLING, KS · FDIC certificate 16473 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $162.4M | |
| Deposits | $124.3M | |
| Loans and leases | $115.6M | |
| Total equity | $18.8M | |
| Loans / deposits | 90.32% (p80 of band) | 73.59% |
| Liquid assets / assets | 24.06% (p30 of band) | |
| Uninsured deposits / deposits | 24.60% (p67 of band) | 19.81% |
| Brokered deposits | 6.47% | |
| Wholesale funding | 18.05% (p93 of band) | |
| FHLB advances / assets | 11.59% | |
| Tier 1 leverage | 12.41% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -8.28% (p45 of band) | -6.57% |
| AOCI / equity | -0.31% (p54 of band) | |
| ROA (annualized) | 1.06% (p43 of band) | 1.17% |
| Net interest margin | 4.07% (p58 of band) | 3.93% |
| Efficiency ratio | 64.79% (p47 of band) | |
| Noncurrent loans | 7.82% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 36.71% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 3.94% (p27 of band) | |
| Auto loans | $1.6M (1.42% of loans; DQ 4.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2013-03 | 1 | capital falling | wholesale funding >15% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking |
| 2016-03 | 1 | assets shrinking |  |
| 2016-06 | 1 | wholesale funding >15% | assets shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 4 | brokered >10% |  |
| 2017-12 | 3 |  | brokered >10% |
| 2018-03 | 4 | brokered >10% |  |
| 2018-06 | 1 |  | deposits shrinking, uninsured deposits leaving, brokered >10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | wholesale funding >15% |
| 2019-03 | 2 | wholesale funding >15%, capital falling |  |
| 2019-06 | 1 |  | wholesale funding >15% |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2021-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-06 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 1 |  | uninsured deposits leaving |
| 2021-12 | 0 |  | assets shrinking |
| 2022-03 | 2 | deposits shrinking, assets shrinking |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | deposits shrinking, assets shrinking |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | deposits shrinking | capital falling |
| 2023-03 | 1 | charge-offs p90 | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking |
| 2023-06 | 3 | securities losses >30% of equity, deposits shrinking |  |
| 2023-09 | 2 | capital falling | securities losses >30% of equity, deposits shrinking |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 3 | wholesale funding >15%, capital falling |  |
| 2024-12 | 3 | deposits shrinking | capital falling |
| 2025-03 | 2 |  | deposits shrinking |
| 2025-06 | 2 | capital falling | charge-offs p90 |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 4 |  |  |

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

- 2026-08-25 [Field Breakdown: 2026 Dream First Bank Charity Classic - Epson Tour](https://news.google.com/rss/articles/CBMilgFBVV95cUxQc1ZpVlpyNElLOXo2a3VUWFhqcVo2VzZscFlUWm5ESnNUSzctNDJEVFhaWG01cmhhbnRUd1JMcmRvTk5OcnZqeDFncHF0OXd6a2ZvanU3WTZvejBXdjhRaHY0WENBV3AtNy1pM2RvM205bTFaZ2tLNlBUSW5KZTdRWUVVTnZtUlZXdGFZdTI4UWx2cDlGRlE?oc=5) · Epson Tour
- 2026-02-17 [Dream First Bank Opens in Lakin Serving Southwest Kansas - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxNcUkwQTlDd1FfVVdLejVpUVFfQ2k2RE1iX3hQRXh3X2FnYjYtS2hpWFdLYmpNbzNuQUpHQTFhczZodmFOb0V3eWJkZGRmakE0WnZBc2tUTkx6R19KTm1nZU9nVkVXTFppMWR0bEhsV19tVmxreVZMNGVubkNGRDFLX1lJQ2xVMlVZOGZjcERGVlVXdnR4OG1HbmZpTVJBV1lHaEdZd2NoUm9hd194WVlwNDRlTQ?oc=5) · Business Wire
- 2025-12-18 [Dream First Bank BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxOS1FIQzk0dzRhdzFJajZpVXBwWUtYMFItVVBmQ1Jmcy14YVRZOUp1QmJnU2d2ZXowRldDZU9lT0pzc2xScVlPbXczWW1qdGJETzZOcmFyMDhyZmZ5N29pcFpzRjB3Q1Z4bmNNWTJ3T2ZOUXdKV2RLY1F2OC1IR3g2TXFpUWluUQ?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2024-07-15 [Missouri’s First Bank leans on ‘Goldilocks size’ - Banking Dive](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNdXdWVHJsYVBYNm1Ucm1vYkc3bWdQRktVRFk0ZzRaZlBJakRmWTA4NDhWYVI2NjdmSlRRTnAta2FqWWV4aWdjZmRpTTA3cWw4aVNpc0p5ZnJuYUJ6YjUzVlJRVzROWmZRTFUxdS1vUXRVSF90Z3A0ZXJBbkRnMy1YNXduNkcwd3dGcjlEb1dpUHlpbmo2WVpWM19kSUZad1I0Yy1ZVlYwRWQwWlNzbE9Kek1FenlpTm9qSjRhLXZoTjN2WnpEeThWZXZFQVkxN242WVdB?oc=5) · Banking Dive
- 2025-08-07 [Failed Bank Information for Heartland Tri-State Bank, Elkhart, KS - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUUpMdHBVQnFpZ2RYYW5OUmEzdGVrNUQ0MF9ZMEtTaVZuQUcwdTROa1dJTmtjc2ttWXdlYjlkWWVsN1Rpd3NpVEo3bWNCMldRQ19SN0xjQVlTbFRfWWlwYkdNXzJQbHljRXFjNTlLdEVGNU1yeFBTSzg2ZkpaWEZBUGtpbFVwbTVQcURjMk5IWWhxZWVsTklFN0xYUDc?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16473 (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/25.json (key "16473", 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