# BANK OF KANSAS
SOUTH HUTCHINSON, KS · FDIC certificate 17378 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $294.1M | |
| Deposits | $251.4M | |
| Loans and leases | $153.0M | |
| Total equity | $34.3M | |
| Loans / deposits | 59.67% (p33 of band) | 69.26% |
| Liquid assets / assets | 44.08% (p68 of band) | |
| Uninsured deposits / deposits | 24.70% (p89 of band) | 11.87% |
| Brokered deposits | 0.35% | |
| Wholesale funding | 2.05% (p51 of band) | |
| FHLB advances / assets | 1.70% | |
| Tier 1 leverage | 11.25% (p64 of band) | 10.33% |
| Unrealized securities loss / equity | -2.19% (p34 of band) | -0.53% |
| AOCI / equity | -2.59% (p54 of band) | |
| ROA (annualized) | 0.73% (p47 of band) | 0.77% |
| Net interest margin | 3.35% (p35 of band) | 3.62% |
| Efficiency ratio | 67.67% (p35 of band) | |
| Noncurrent loans | 2.63% (p76 of band) | 1.08% |
| Net charge-offs (annualized) | 0.36% (p86 of band) | |
| Reserve coverage of noncurrent | 74.23% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 47.90% (p80 of band) | |
| Auto loans | $715,000 (0.47% of loans; DQ 0.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.9% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 2 | deposits shrinking |  |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 3 | charge-offs p90, assets shrinking |  |
| 2013-06 | 3 | deposits shrinking | charge-offs p90 |
| 2013-09 | 3 |  |  |

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

- 2026-09-06 [Farmers Bank of Kansas City Mortgage Crosses 1,900-Review Mark on Experience.com’s Multi-Platform Profile - The National Law Review](https://news.google.com/rss/articles/CBMiswFBVV95cUxNMUVMd3I2RnB3NEZzWTZBb3hkc0hvR05XZldrdHVNd2tNQ1JGODlaa25pczA1bU90LThtTmdaaFd5MWs0RVNVNGxYSlhPeVlSaExfcWFsVk9zUGV5T2NfM2d6dmRzVUxfY29RNEdSZXBHS3E0N0FsRzkxeUhjSWtvMTd0aDU1WFNQVjVfZVB2N09MaDdMYThDTWJMNWxzYzhMSXpWTEpWT2t5Nk1vQzlHYzl1aw?oc=5) · The National Law Review
- 2026-07-06 [Fed dings small Kansas lender for third time since 2023 - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxNOXFjVWF6cHZGZko3OTYwUXY3Umx3eEpSTkw0MUJXemFqTVpDLUxEcDVVM3F0R3Q2MVEzbjNUVi0yVXk0VEtGQ01vakxVQUtRZ1JGcEZEMk1aRTBRYV9LMkFreHQ5ZHJmVjNRTXZDMEtMT3ViQjYyU1VVdVY2S2JSRmdRbzZTRFp3T3ZWa0RUU0otNTRfZDY4?oc=5) · Banking Dive
- 2026-01-30 [Larger Operating Loans Boost Farm Lending Activity in 2025 - Kansas City Fed](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZXRtVl85Q3lQbklmVkllVEs0eUoxZmhScl9kWVFNcDlJTGVoMFBGcDJPLTFMWGtLZWI4Q1BGNjhhWm1IWFZsYlRXUF9OZHV5bXZWcFMtd2xQMERWYlNZMkVVU1JIb3NlS2FKUkRFSzJLVUJtQ3I5VTNwQ1RlYl96Z2p4THNUZmVCa0lFV2Vxa05ORjdLZ0ZSWVNFZG5TZUp4cnFPT043bXBKYXRfeHZiZ0hmb2E5Qm5wdU80?oc=5) · Kansas City Fed
- 2026-02-19 [QUINDARO STATE BANK * Kansas City, Wyandotte Co., KS - Newspapers.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSERpcG05amRydjBhNWRZTlZicGQ5Q1ByU1dHM2MwWnA1cDduWFpxbENqRmprMDNCNUZqWDZ4NWVIRXRkQlB0U0Qyem5sNE5yTVM5M3lUNDZsZ3RYSkFlOEdDbFF0SG1kUEdfT1hGRldPU094MTBQU1l2MjVCOU14dGZGQWpyMnVoeHRWNA?oc=5) · Newspapers.com
- 2021-10-03 [Federal Reserve Bank of Kansas City - federalreservehistory.org](https://news.google.com/rss/articles/CBMibEFVX3lxTE5QVTZadG5fc0tKdE4tY0JqeThyQW9rbDdTSXJKcEQwMHBwMWJyczhJU1JrSW9GQThxZGdtU25ZbUwxX3g4SEw0eno2azZwUzlZV1VfTWFDaEpwbThSejV5NWZ0bnVKbVhadW85Sg?oc=5) · federalreservehistory.org
- 2022-02-22 [First Federal Bank of Kansas City and Kansas City Current Partner to Launch Hometown Heroes Platform - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSmZoOElsbkJLaGxDZXFBZDdzbVg2SER1VUt4ZWt2dXJIUVZFMzNjM1dQMWVfd3lJVEdIVjI4U1E0NHhtSjROczlhQms2SW5UZmtPd1drQmQySDM4VEdtMTlrV0xPdmhENVdMMWNhQ1FrSExLa1lSenRpM3FQRUpjQ3hINFhtWUlJWUZCeUNKMlpyWXM5VkpTZ3pOZEUwZHh5?oc=5) · Kansas City Current
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings
- 2025-04-16 [Community National Bank & Trust Merge with Prairie Bank of Kansas - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNd0VYY1Q2eEF5UHhjMXNwZnY5aThaMmdGVU5EMTMwRzZTUGxSUkJnNFFPVDRCUDVMVllHOC1RNC1zUEZ6aDZtZ1ZxRGdWWENmWVVUSE1nNkprcXZDdmpFSVhJNlp1a2c5MHdmRVNDdGlGcUJxT3ZWSXRueEZaVnMyVG9kRnhlWTNhLVlWcDF1OERpWHN4eFNtRElHdzE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17378 (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/34.json (key "17378", 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