# SOLUTIONS NORTH BANK
STOCKTON, KS · FDIC certificate 16971 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $469.5M | |
| Deposits | $395.5M | |
| Loans and leases | $296.1M | |
| Total equity | $57.9M | |
| Loans / deposits | 73.52% (p32 of band) | 82.04% |
| Liquid assets / assets | 31.57% (p68 of band) | |
| Uninsured deposits / deposits | 25.03% (p46 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.84% (p47 of band) | |
| FHLB advances / assets | 1.87% | |
| Tier 1 leverage | 10.90% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -5.69% (p59 of band) | -8.10% |
| AOCI / equity | -2.49% (p5 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 4.21% (p67 of band) | 3.91% |
| Efficiency ratio | 49.35% (p17 of band) | |
| Noncurrent loans | 0.28% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 650.00% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 25.42% (p31 of band) | |
| Auto loans | $4.4M (1.48% of loans; DQ 0.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 58 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | construction >100% equity |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 0 |  | NIM <2.5%, capital falling |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | capital falling | uninsured deposits leaving |
| 2016-06 | 2 | uninsured deposits leaving | assets shrinking, capital falling |
| 2016-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 0 |  | assets shrinking |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | reserve under noncurrent | capital falling |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 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 | 1 | deposits shrinking |  |
| 2023-09 | 1 | securities losses >30% of equity | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | deposits shrinking, assets shrinking |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 0 |  |  |

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

- 2024-08-27 [Berkley family receives 'Century of Family Banking' award - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBKR3BSb1hGS2pENUZYa0t2VEtxdHcwdUFQTm03TUpTWUtJUnRCZDc3ZVNES2x3M2lzQVNxMGt1SXBYcmF6bDQtQnltOW5Udm5kMlFSczJIakVOdVBJU3NUbkJydkhFRjJja2xITTlfXzFYclU?oc=5) · Salina Post
- 2025-05-13 [Jerry D. Hanzlick Obituary Mar 26, 2023 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBmUGFOY0hTMDJjMWpjRERWSHhueXd0N25oNllEaXhfTWJ1cmZsTmxZbUc3cFg5c3E3RlRzbElzQ3pfR0RBejNrVGFab2thamxnUmlCWXZjRFl2Y2Q5ak9LTnVHdWJWY3pfLXc?oc=5) · warrenmcelwain.com
- 2024-03-09 [Barbara Jean Wait Obituary Mar 9, 2024 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9Cd0dLOVdXblctN3J6UjR1cjMxdldxYVdvbU1Vd1lrWDE5eDgyV0I2aWVZUEt3ZGgtU1Jfcnl3ZEZOWWNBOUx6VkY3bTNmZEpxTWpwTDJuWUxXcUtfcm1F?oc=5) · Dove Cremations &amp; Funerals
- 2020-09-14 [City approves ECRA name change to Berkley Family Recreational Area - Salina Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNakI5NktNYTg2X2NVQ1VGbEhudGdYNFhfV1V0NDRYS0xrcFNjcVlVSXdzOEE3MjdhYUxUTnlOV2c3VWExeHdQTlRMbTk3Q3c4NkFiQUFYd1p4T0xZdFltRFhxa1EyZ3JqdmpKX2xGMk94dzhrbWcxZ2RaSkh1aU5ndkRab1ZINHVDUU5YWTJCTFFndlhBRkhsU1ZrYTBhRW5HbmRIVG5OZ3VzZUIweFZQd2Z2bHJNZkN4SGtPQ3oxQUM?oc=5) · Salina Journal
- 2024-10-02 [Local donors empower area fifth graders with $10 each to give to nonprofits - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5oVzYtRHlKUFpHVkI3dXQyNS02SzZjSkZiWUYwVHY1WTkwdDJqWFE1OFVVRTVzXzV2OEEzWmwzc29VbWJLZTdNYmYwYVlaTlo3SnhMajExS2tsYUZEZ0J5TnVjbTdEM2NyOVRYVjBBZ2o?oc=5) · hayspost.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16971 (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/11.json (key "16971", 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