# LABETTE BANK
ALTAMONT, KS · FDIC certificate 17068 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $544.4M | |
| Deposits | $457.2M | |
| Loans and leases | $311.3M | |
| Total equity | $70.3M | |
| Loans / deposits | 67.28% (p21 of band) | 82.04% |
| Liquid assets / assets | 39.25% (p81 of band) | |
| Uninsured deposits / deposits | 23.36% (p41 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.24% (p43 of band) | |
| FHLB advances / assets | 2.24% | |
| Tier 1 leverage | 13.06% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -2.92% (p73 of band) | -8.10% |
| AOCI / equity | -1.30% (p16 of band) | |
| ROA (annualized) | 1.04% (p35 of band) | 1.28% |
| Net interest margin | 3.97% (p53 of band) | 3.91% |
| Efficiency ratio | 63.06% (p56 of band) | |
| Noncurrent loans | 1.73% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 68.96% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 6.21% (p10 of band) | |
| Auto loans | $6.1M (1.96% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 1 |  | deposits shrinking |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2024-12 | 1 |  | uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2016-12-02 [Labette Bank will celebrate the opening of their second branch in Pittsburg, Kansas - koamnewsnow.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQUFRqSXhCcTdnTzVUbklYVEJZWGdCU0lVbWhFOVBQY1RIeW55cV9hWi02Z0RodXJ5dWRwV1VZUmhaeEZYbDUxUVgyc0NQZ0pSNkNBQnVpbjV6T2hMbUtWMndtb0NhZGVyeDRTWUl2SldlMS0xTmM5VXBfTVNRU2V6bkQ0Q3VTalJBTmJOZ0UtM1M1SWhNeC1tTmEzb2MzSWRTOEpydDdGcndOUW5oQ2lmSktoTS1JMzRwbXk5Ty1xM3c5WGpwMWIwazIwMms3dFo0cHlIWFpZRm8zR1lsNGxVUElWaWttSFNRX1Vxa2RyYjA3R00yeUtqVw?oc=5) · koamnewsnow.com
- 2020-01-22 [Five things to know from Tuesday’s Frontenac City Council meeting - Victorville Daily Press](https://news.google.com/rss/articles/CBMibEFVX3lxTE90aVRaTnctaGJ0d3RmV3c2ejJuMmQ3VTVMR1N4RmljTlRkdUhvajFJVXI0OWtkNGhDTE5zb0kzYXVmbDRQVG8tZ1BoODNKNXIzY1lTajFPeFBrR2xKX1Q2TmREUVo2cjBOdUlCUA?oc=5) · Victorville Daily Press
- 2017-01-10 [Labette Bank in Pittsburg shows Pitt State pride with giant gorilla statue - FourStatesHomepage.com](https://news.google.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?oc=5) · FourStatesHomepage.com
- 2023-06-19 [StorageMart Expands Kansas City Portfolio - Multifamily Housing News](https://news.google.com/rss/articles/CBMigAFBVV95cUxORkFYSDJKa3cwUmtUVUFxNGdSWjBsd3psRFM4bURXM0xKNWpicG1USXZNWjlqbms0c2ZjWWh3aEljeW9mNXRrUEhXU2NfQ3FuamluenFEUVJ0MUxPaXFzR1ppTGYxRGxVTEc3WHBHR25hS28yRElDaE1tS2E0eVhwcQ?oc=5) · Multifamily Housing News
- 2025-05-20 [Lynn Gregory - Farm Talk](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeElrVmRBa3RvUTN5eW5jSnhFbHhENk1rYlNLNm1LMWJMUmhoOS05d2RCS1piOVhjVS1PcUViMklaaVRrT2ExdUotaHhXRHZYQkZaUlBGdFJwdDJWelQyWFF2UFBTMldhd1ZpNFVXbWRBd0JXUHNYUEZ0Y3hzOGVpVnM1cmlpNWxZUUdwSGl4WlZkdE5WMkkyU0EtbFk?oc=5) · Farm Talk
- 2025-04-15 [LYNN GREGORY Obituary (1942 - 2025) - McPherson, KS - The McPherson Sentinel - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcVc5Z2ZZYWlEWEJrd2JJZFUtX1p2dy03TEhlazFYazNobmcyQm9NN0QyQkJRWkFJaUY5eC1HRjlQclJaWHljUkktckMwYmNGX295STdzbjJTZ2tRTTd4c1VmUVFNdGVvVlZ0amVfQXpDMHlsbGFuaHpXdWJJb2ZyV3liZlNqbkxmOTIteUg0RmNGOXM2dXppdQ?oc=5) · legacy.com
- 2022-03-29 [Family-owned meat locker builds brand new facility - Farm Talk](https://news.google.com/rss/articles/CBMizwFBVV95cUxPdUxGVkd5VnEtZk02WU4wWVVLX3QtbDFTSWZ3YlpqR055UmVfMTRIRTBGTG51X1g5VDRVa00wbzMwYWt2YWxZbFp4aFVNQ25DNXNrNldJaXE5RHU2ZFFjYnBuQTFhQUVLc1liRlFwMGZTb05PRC1qd1kzYjl2NXRaZ09mNWl5bWJhTUJtWUpQamlVWHJmektibWxCOHd4OWNmd051Q004TTVBVlc0Y2dBakQyV1d1d29lbWN0MkQzdWNXY0sxNXBlQW04R2kzZ3c?oc=5) · Farm Talk
- 2022-12-12 [Fugitive arrested in southeast Kansas, attempted murder charge - koamnewsnow.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQVHlKcDdVc3RnY2dyQkVsRlphdTNPVVpWaWdNei1GOUhIZmtSMFpRbXZuRnJFYkp1Xy15QnFmbHo2QjdLLXd3cG9tclpjM1hmWU5majQ2a3BUV1czeFpZX2lyek56SUhlTFk1S1JZRWx3cWVNSnEyNVVGc2E5V1htdnRsRUExSi1CYlpvSlBNU01wWVdBQklScklHS2I5UjZvRXI1SXNzZzA1b0NlSXd0SkY4TmdSMWJZLXpJeDN6VmIyOTB1dzhXbWROMVhBTU44dDJQSi1RZ2QtSlBwT2F4Z2lzSXA?oc=5) · koamnewsnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17068 (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/44.json (key "17068", 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