# DOUGLAS COUNTY BANK
LAWRENCE, KS · FDIC certificate 17105 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**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 | $334.5M | |
| Deposits | $259.7M | |
| Loans and leases | $195.5M | |
| Total equity | $35.5M | |
| Loans / deposits | 74.31% (p37 of band) | 80.75% |
| Liquid assets / assets | 38.46% (p76 of band) | |
| Uninsured deposits / deposits | 21.20% (p56 of band) | 19.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.62% (p74 of band) | |
| FHLB advances / assets | 4.14% | |
| Tier 1 leverage | 11.71% (p77 of band) | 10.04% |
| Unrealized securities loss / equity | 3.17% (p77 of band) | 1.00% |
| AOCI / equity | 0.32% (p25 of band) | |
| ROA (annualized) | 1.10% (p66 of band) | 0.89% |
| Net interest margin | 3.05% (p16 of band) | 3.63% |
| Efficiency ratio | 82.51% (p82 of band) | |
| Noncurrent loans | 0.13% (p12 of band) | 0.89% |
| Net charge-offs (annualized) | 0.06% (p47 of band) | |
| Reserve coverage of noncurrent | 1004.00% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 33.73% (p51 of band) | |
| Auto loans | $728,000 (0.37% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |

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

- 2025-11-03 [1952 – Douglas County Bank - City of Lawrence, Kansas (.gov)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRHkwQVZzc0JlbkoxSUx4czFxb3FQenlRdDA5Unl0ZTRtbWhYLXAtTkxtU0lXOW43bFNaMDFvRlZGSDRkelR4amgtSDM4UTVzUmZ5OW9XaHZGd3Rnd1ZZTmhNcVhLWnBDbTBObzBlLW91NFJ6cktCNmtyamMwWDRkdTVfdkt1bXNoVURJ?oc=5) · City of Lawrence, Kansas (.gov)
- 2015-02-05 [Douglas County History & Folklore – Early Banks in Ava, Missouri - Douglas County Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNN2VYVHFKM3JoQUFHWGJSNTNmX2ZMQ0t4MEdPdXAxMWlRSU55Tms1cF93M0lGZVZjN2tyVDVHR3J4VGJEbkNsVjZpTEV4bXhVTWdBVzZFNVNMRU8wS0huRGw1eTlJWDNlN0s5UHJKTXVhQmtrRUNVZUFFc3U4czlFT0VUZGZDOGxiei1SLUoxZlczSC1ISFdXOTBDYjdHRjVodVRJRUFWckFtanM?oc=5) · Douglas County Herald
- 2010-09-28 [Dorothy Rooney Obituary Sep 28, 2010 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBjdm5oY044N3Q0MExMRlFUY3VXeFRzMGE5emlibjFjZXI1YjFKYTZuSE1yRHRpWHdxR2k2ZS1lVVl4bFRTd0NrOVZkUmFVVjlfb1FoVVFicHViaXJfeUZKckhsbGJwbXNlcDE0WA?oc=5) · warrenmcelwain.com
- 2014-09-24 [Metcalf Bank heads west with 7-branch acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQampNQkkzN25iX0s1OUNBT2RFcFhKNXZ4WjJyT3pNZVp4S1diZy1xQmVJMm5QLUZvaXpJUzlhVU03NzVLWG81VVUwNUhaa0FXYjh5NVR3b1ltSmNCMWtwYkVjU3NzZEdHeWQzQzAxQWZ6d0RjYjNfeUEyNkFJa1E4VkNWWG4xV0RDdTQwd1FMZW10d1d5R29vaG5kNDFyRmhOMEQtclpVNA?oc=5) · The Business Journals
- 2021-05-16 [Debra Bott - Lawrence Journal-World](https://news.google.com/rss/articles/CBMie0FVX3lxTE11dzNhWjlfcDU3d2RtWTRTR3owZ2NrY1NSMDQ3WDdMQ3JqNUJqdjZwR3dXZEFUY0JKN1NabTUzUWtaLWk4al9Tcy0yaVVQY0lLalVNOVJiTWpuUk0zV2p6UXYtMUZreG9sYVY5ODkwREFyY0JnNTFVdTYzTQ?oc=5) · Lawrence Journal-World
- 2010-12-08 [Robert Georgeson Obituary Dec 8, 2010 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE4xSThvUEg0UlM0NU9OeVhpVTM0Tl9nTmY1MDQ5cm1KUlRSWEZ6UVdXYmMwQmxtTFY5NER1cm9rVnd2YzhuUXRxNDN4MHpJVDlLdy0zcy1MTWpXajZ1T1V3Q3FNY3g3dHp4NWc?oc=5) · warrenmcelwain.com
- 2021-09-17 [Town Talk | Compton-led Great American Bank to purchase Lawrence-based University National Bank; this will leave one locally owned bank - Lawrence Journal-World](https://news.google.com/rss/articles/CBMiigJBVV95cUxOUHZrOHRCRW56ZEhQcVcxQ2E2bnhKOWtSTlMxbWY0SXo1aTlIWERCZG1PTW5ydHRXVXZRcDRJbTRxbUVDMGJsUGpfQVR5MUl5dkdOakctd2FOUm1FNmx6aVg3d1JxX3BPbzVJcmNpdkt0M1ZFa2FNY0hfYnBReUd0a091RnNWLW9QTEYtanFPNWJKY2cxdlc1SlBSa1JkdHBmOU0tZ2RhUkF0M0hYZG1UNGJtcHFaY0tiNnY2QmRLU3BHS19yYm1RQW40eGY5V2Z2ZTdTa2g4QjV5X0hZcDdMc084V2RQUzQ2VUkxQnF3Wm84TElRaGstUE1CLTNtdjlIWTdWTEpRckFoQQ?oc=5) · Lawrence Journal-World
- 2010-11-12 [Ross Beach Obituary Nov 12, 2010 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTFAxNVhFVHk4OWJBRnNaSVZVaktFc0dyN3drOTB1eXJyWDlZQjRjdktLR195bDFlTWk5eXladlRRV21rcnB1Tms5MXNGTnlOamswM21HUUFnRm90anM1QzFLSDJn?oc=5) · warrenmcelwain.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17105 (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/17.json (key "17105", 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