# GOPPERT STATE SERVICE BANK
GARNETT, KS · FDIC certificate 17317 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $345.3M | |
| Deposits | $311.6M | |
| Loans and leases | $261.3M | |
| Total equity | $32.1M | |
| Loans / deposits | 82.67% (p52 of band) | 82.04% |
| Liquid assets / assets | 22.64% (p42 of band) | |
| Uninsured deposits / deposits | 21.53% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.28% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -0.29% (p93 of band) | -8.10% |
| AOCI / equity | -0.30% (p53 of band) | |
| ROA (annualized) | 1.48% (p63 of band) | 1.28% |
| Net interest margin | 4.66% (p86 of band) | 3.91% |
| Efficiency ratio | 52.19% (p23 of band) | |
| Noncurrent loans | 1.74% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.37% (p95 of band) | |
| Reserve coverage of noncurrent | 80.22% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 25.32% (p31 of band) | |
| Auto loans | $6.2M (2.36% of loans; DQ 4.09%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **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 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 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 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 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 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 0 |  |  |
| 2023-12 | 4 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 3 | capital falling, charge-offs p90 |  |

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

- 2024-07-04 [Lynann Jean Fraker Obituary Jul 4, 2024 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBuUXVFSDdKd0xZSGFkdUwtRFFEb0xQTzVPYzdIeVMxQWVnX3VsQ1MwOVlMeE9DNDFmX0U4dVhXT3I3Sks1SjdiVlRLX1UxVW5Sbk5wcU91X1gycjk1bWEwSQ?oc=5) · The Amos Family Funeral Home & Crematory
- 2026-02-26 [AdventHealth Ottawa and Shoes That Fit provide more than 1,100 pairs of new athletic shoes for students across Franklin County - AdventHealth](https://news.google.com/rss/articles/CBMixAFBVV95cUxOVGgzYmNTMmYtR0VObWhwMXhIWld5dkFPWHd1ODVsaGpSYUY4OTBKbW1lMTFaQnNXNmNfTjFhVVdCVmRlRUhMNG4wd0V6U010S0pUVEMwVXhOd2pWX0ZwRWZOcmlqWU9QUGJXVGpDb3AwN3VkQUg5TFM3c1FCcmhYdHVWY1dOYlpsdWtvZlNVajYzM1Q1cW1ja1p5WmM1YkZMNU1SNTk3M0JwNGx3aWhMcFpGSFhxczJOYjR4Z0NlM2o3ZVBu?oc=5) · AdventHealth
- 2021-09-06 [Richard Goppert Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOcWRsazdsbmYzcDVsRXRQWkh5cjVQUHZhT1JnR1NESDhzaGQxbHBLQjBzVTdORG1iUTNXRWZiTFhKVXVoZkZ0SV9LMUk2dS0yVzVqTmVqVVVLS2dpVTAyWWdVVGhrbnJocUhvZDNCQ2lrTVdIUkRIeEdUWUdkSGswNTFKVUFwa3ZWNWc?oc=5) · Dignity Memorial
- 2024-11-14 [Thomas 'Tommy' Robert Harmon - Dengel & Son](https://news.google.com/rss/articles/CBMibkFVX3lxTE5WbWNpaDBEbzQ5NURqMGdfMC1TU05HSzZ5M3BYeFRCQ2NFcmpSSkhCQ0FOenJRVms1ajFEOHN2OHJVWXdSb05nQU1CQWhreFRGYThCbFRzN0swbi1TeFBMVUxhTjBnTzJMZjBvNkl3?oc=5) · Dengel & Son
- 2026-06-17 [Filings in the Osage County Courthouse, May 22 – May 28, 2026 - Osage County Online](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBtT2o2a05QajRIczVvQWRvRmVWVmZDX3RDaDNPaXFXUjQ1ejF2UGtEWDhsMV9wQkpEZk9rREJ4YW4zX2dmc1R2QzNWSXZqQnAxYk9iVDJNdkc5QTg?oc=5) · Osage County Online
- 2025-08-19 [Janci Modlin Obituary - Kansas City, MO - Neptune Society](https://news.google.com/rss/articles/CBMifkFVX3lxTE5BSjZyTVQ4QXNMS3pJS2toWnhsOFRXM3hBR250RUo4U24xSm9Ec0xoeXVoa3FLcjNRZ0lrbVU0cmppYnA0ODN3QTVndjNRcFlNZ3VkQVd3TXRiQ0xUYzZFeG5ZTVhPbTBGaGJ6WFNBTnF1VHlCZzJqVTlLQ2Fidw?oc=5) · Neptune Society
- 2020-02-22 [Nancy Goppert Obituary (1934 - 2020) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcWV0SnY3LXJuOExHUUVwN3E3QzZPTG9lb0g5bHB6a2VvdTNDWFBkcmxZeGNYQUUtSkh5SFd5amktSVdVdWt0OG9IRHJKdUJ5R3FuRi1kWXJyWjl3eHowVWRac3FESXc1RnF3Um9aVFd3YlVWQTVaeW8ybWdlQ1gwX1phYTc3N2pnTGZ1U3p4WQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17317 (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/37.json (key "17317", 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