# GORHAM STATE BANK
GORHAM, KS · FDIC certificate 17114 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**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 | $42.5M | |
| Deposits | $37.7M | |
| Loans and leases | $22.3M | |
| Total equity | $4.7M | |
| Loans / deposits | 58.25% (p38 of band) | 65.77% |
| Liquid assets / assets | 46.61% (p66 of band) | |
| Uninsured deposits / deposits | 14.86% (p30 of band) | 19.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.02% (p51 of band) | 10.97% |
| Unrealized securities loss / equity | -1.27% (p87 of band) | -19.70% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | 2.05% (p89 of band) | 1.01% |
| Net interest margin | 4.12% (p74 of band) | 3.56% |
| Efficiency ratio | 42.59% (p5 of band) | |
| Noncurrent loans | 1.49% (p88 of band) | 0.18% |
| Net charge-offs (annualized) | 0.00% (p49 of band) | |
| Reserve coverage of noncurrent | 95.77% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 0.63% (p18 of band) | |
| Auto loans | $1.4M (6.32% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 6 | |

## 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 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, assets shrinking |  |
| 2016-06 | 3 | reserve under noncurrent |  |
| 2016-09 | 2 |  | reserve under noncurrent |
| 2016-12 | 1 |  | assets shrinking |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2019-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | uninsured deposits leaving |  |
| 2020-03 | 3 | capital falling | uninsured deposits leaving |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | capital falling, charge-offs p90 |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | charge-offs p90 |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2023-03 | 1 | reserve under noncurrent |  |

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

- 2025-07-18 [Mary Ann Weigel Obituary Jul 18, 2025 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE5jdjY2aHR0N0c1Mm9IRW50UXN0dmdoc01oaHFQYzN3dWpSV0FZbHZ3VmRZWXYwYzV6YXBlaDdtbnZPb29QY1BqM2FJWjFUUkk1T1JlbG01c1k0U29zZ2xTbDRISDRiTUxlZHVHRGZ5Yzl0TzA?oc=5) · Keithley Funeral Homes
- 2023-07-22 [CAMPBELL: Ellis County wheat variety demonstration plot results - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5jbnhfZzkzVGZxc2dCengyZnJYc2lQcGNoS2NqZ2VaajBiY3BseE44Rk1xTXdsWVRzb0lURHJXeklmUVkxQmE3amVZSzRhbjUyUjdCWF8tN0daNGdqNDJIWE0yamUtdGlUNDdEbzhkVzQ?oc=5) · hayspost.com
- 2020-08-15 [Richard A Yost Obituary Aug 15, 2020 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE8zYUR6VWFSMGNHYS1Od1JWNEV2aUluZnVDSFZ5NXZqbjVfUEh5SlV1c3hVRnFsTmFHOUVFOFJad3lkWVAxSXlNcmEwdmpScTZ0d0JlUFRmb0E4REVKYmtDbEN2aklnc1Q4NWtieFNwSzN6QQ?oc=5) · Keithley Funeral Homes
- 2018-01-07 [Robert L. Schmidtberger Obituary Jan 7, 2018 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMifEFVX3lxTE52U1gycUF3RVJpdDhOMjJWMUlEbW1vaE5jT29sQ2pfZDVpUHFvRzRpNU5KRTVNVk55VUdrOWhiUW9TeGRLQjJldGo0eFdXTk0tMTF3SUpvSFlWQ2xNTGhaSldSRUVnR2luREd3MklPc2lmTG56VmxqNDBLV28?oc=5) · Keithley Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17114 (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/26.json (key "17114", 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