# LORRAINE STATE BANK
LORRAINE, KS · FDIC certificate 17395 · asset band <$300M · latest filing 2020-12 · 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 | $26.2M | |
| Deposits | $22.1M | |
| Loans and leases | $18.5M | |
| Total equity | $4.0M | |
| Loans / deposits | 82.69% (p77 of band) | 68.14% |
| Liquid assets / assets | 28.80% (p29 of band) | |
| Uninsured deposits / deposits | 14.51% (p36 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.34% (p85 of band) | 10.68% |
| Unrealized securities loss / equity | 2.02% (p45 of band) | 2.41% |
| AOCI / equity | 0.35% (p33 of band) | |
| ROA (annualized) | 1.05% (p59 of band) | 0.92% |
| Net interest margin | 3.36% (p42 of band) | 3.52% |
| Efficiency ratio | 60.22% (p23 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p5 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.85% (p20 of band) | |
| Auto loans | $1.1M (5.78% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.0% | |
| Employees | 5 | |

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

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

- 2020-12-08 [First Kansas Bank to acquire Lorraine State Bank - Great Bend Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZTVSNnlUcGZhdnEwTzA5b0FnTE8xOGpCQ3l4TFFkZF9LUndTNzNFTEMzZE1RQ0c4X0g3NWxfa0FyZm9USnYtTFlSYk5XMlJpMGdPSjNaRW9RWkJiUGlKSF9sNmZLNUMybW1YOFRJWGlLMGdONTBaV1FRTUJqVXlMVjZsamRMcVRUdk1hdHdJZw?oc=5) · Great Bend Tribune
- 2021-06-02 [Hennes to celebrate 50th wedding anniversary - Ellsworth County Independent Reporter](https://news.google.com/rss/articles/CBMigwFBVV95cUxNaFlHc0ZCQUEzSXVBN0MtSzlZSUdjeG53TTY0OE03cFgtTzd4RmtEQUJ1WWp1dnJ5YzZIdXN1TDMzSmhKTC01M1NjYkRBTHI5NVl5QkJaTVJzOGVVelhQVU9YdVRHQzlHZmhXVFFBVmJpa3RVeG1qdG1TTVFGNTZyNHRURQ?oc=5) · Ellsworth County Independent Reporter
- 2018-10-27 [Stanley Donald Mollhagen 1923-2012 - Great Bend Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTFB1bnlaLXZyTGNXWEtJdGZBZTlPX1dGMjlRUTVfNkU3aGt6em1yVXI5ZUptQ0dJMS1VLVdpWnlkLVAxZGxGaHdraEdFdml5V2dEVHRTajB1d2habVplM0E3dU90VkZrc3Y5dHpfMVhhMFM3bVZ2QTQ1VXRHRVU?oc=5) · Great Bend Tribune
- 2019-04-23 [Doris Ann (Harms) Sheridan 1942 - 2012 - Great Bend Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTE5oSmhfb3ZNaVRBQktYNFlTTl9UUllUV0hXc2ZYcGwzdDQtY3ZVUTcxMGJ5d1piWHZWUlVTWXZXY0V3TWZsdVlTbGYyUmZhTFVGNGRMZ1pMbThOdkxzaEZuN2FNamctRVZrWnJuSHN6TUY3NGlWSUQzSGFLYjI?oc=5) · Great Bend Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17395 (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/51.json (key "17395", 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