# IMPACT BANK
WELLINGTON, KS · FDIC certificate 17399 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $167.2M | |
| Deposits | $153.0M | |
| Loans and leases | $100.3M | |
| Total equity | $12.9M | |
| Loans / deposits | 64.71% (p37 of band) | 73.59% |
| Liquid assets / assets | 35.83% (p56 of band) | |
| Uninsured deposits / deposits | 33.66% (p87 of band) | 19.81% |
| Brokered deposits | 5.38% | |
| Wholesale funding | 5.76% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.62% (p34 of band) | 11.76% |
| Unrealized securities loss / equity | -44.39% (p8 of band) | -6.57% |
| AOCI / equity | -1.77% (p15 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 3.64% (p35 of band) | 3.93% |
| Efficiency ratio | 54.37% (p22 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 3860.61% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 53.34% (p81 of band) | |
| Auto loans | $1.6M (1.63% of loans; DQ 1.23%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | charge-offs p90 |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | losing money, expense ratio p90 |  |
| 2012-06 | 1 | capital falling | losing money, expense ratio p90 |
| 2012-09 | 1 | uninsured deposits leaving | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, reserve under noncurrent |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, reserve under noncurrent |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent | capital falling |
| 2019-12 | 3 | noncurrent p90, deposits shrinking |  |
| 2020-03 | 2 |  | deposits shrinking |
| 2020-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 0 |  | charge-offs p90, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | construction >100% equity, deposits shrinking |  |
| 2023-09 | 3 | AOCI drag >20% of equity | deposits shrinking |
| 2023-12 | 2 |  | AOCI drag >20% of equity |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 5 | wholesale funding >15%, noncurrent p90, reserve under noncurrent | capital falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | deposits shrinking |  |
| 2025-03 | 4 | charge-offs p90 | wholesale funding >15%, noncurrent p90, deposits shrinking |
| 2025-06 | 4 | brokered >10%, wholesale funding >15% | reserve under noncurrent, charge-offs p90 |
| 2025-09 | 3 |  | construction >100% equity |
| 2025-12 | 1 |  | brokered >10%, wholesale funding >15% |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-06-24 [Analysts split on if Truist CEO change will impact bank's culture, strategy and independence - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeUNGX29GbGVhVjNUd2xwOUJlc3NnVXBsV2F2Q0FQTnQ2Ml8xQ2NjRzRaVF9pNW5yLTlhc2lmT1lDcWJBU0lFTkVCWGpnLXpQaVd2RXh0elJBdGdzUVNYVE1BbDVDV3JCRkFOVzN4Ry1kbGRzUjNsMkJ5NnN4WEFrSS1jbzM4akhrX0ptdlNJUGJHRk1mNVR3ZjdKdXE1dXdBeU5OeVBn?oc=5) · The Business Journals
- 2026-03-10 [Bank Leader Appointed to State Board - KSAL News](https://news.google.com/rss/articles/CBMiakFVX3lxTE5CdTVtTEFYakM3Qy1aT0lYOEJOdW4zLUJOQ2Z6bDVuMmlBV2I5TWNpOW1ocXhITWtPdFZZVlRTUXptcGUtSlZyUTdsRlgzN0sybDVLOEtJUy03d1dTUmRNbTIzR19GUW4tX0E?oc=5) · KSAL News
- 2026-03-27 [David Marshall Carr Obituary (2026) - Wellington, KS - Cornejo Funeral Home & Crematory - Wellington - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE80bGNDV19zT1c0OHplaGxqYVU0MW56MVdzNzBiTktHZGJUaUUzYnBwYlR4NkJMNEI2MXQxZk0zczVyRlZGVkMxMHJnUkZjZVBPTFVXWGZhbFBsR1ZvMTJxeHozamJ1TnBmemtJTHl0VFlWNmFpQnc5NkVmUkRQdw?oc=5) · legacy.com
- 2017-08-07 [Jared Brown joins Impact Bank as Executive Vice President, Chief Financial Officer - Sumner NewsCow](https://news.google.com/rss/articles/CBMisgFBVV95cUxORHFyUWZ6dmFtMVdSd05tTm1jZy1XX2lhYnE3Ni1NS3duU3lPUUI3YTl2MjFudEU4TUNlaFZhMVU1QkYtUVVfS3c2akJWQTNTX0ZzN1d3LUNjLUN4MlBYdkFrR05lamliM0VsVjhhM0Y4UmFHcnFuU21NUWZEOTZmNDFvYkVRQW1rcnpDQkowcXAwTm5TWVkzbmZ4MVBkSVkzdnM3dHgtSE81RlpIczZoV0dR?oc=5) · Sumner NewsCow
- 2023-03-24 [Oklahoma Highway Patrol identifies Kansas bank robbery suspect killed in shootout - KWCH](https://news.google.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?oc=5) · KWCH
- 2025-03-04 [Recent banking class actions impact Bank of America, Capital One, others - Top Class Actions](https://news.google.com/rss/articles/CBMizAFBVV95cUxQc1FVem5OUk9OY05QNk12NXlHcEVCcUh1VTNHczFKY3RDRG9pVzVmcGl5dEhIRUVLX01Zdl94NHRnOHNiSmhiZnpsOENoLVFyRTRhcV9iaXBDcjlXY2I5MW5NRThxYzVyQVJoUlczclR1VG9PRHoxNl9JaEJrREJxcVdnZC1KcmFGLVdvekpyVVBMcFFlbUNmYWJiWEF3Vi1QOFVuaGxTTDh3MVBRWURfWWhOYlp4UjE5N1BUZkVVMkVjQ1JDYXJjbnQ0eGg?oc=5) · Top Class Actions
- 2023-03-29 [Patrol identifies Kansas bank robbery suspect killed by troopers in Oklahoma - kake.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNbkswUVVLTWZTcDh1b2pPbmszblZwbnlwcFZGaHBMbFo5aEd1Q2hjcUlDSFZZSUVjSThSYlJfaTJpMVJTWG1EM01PY3hXa0VEeWJybjdsaWppLXlwQzNaNEt5amY3aVZNdDFXa0g3WVRjaS0taXlnT3lvOEVKVnRBT0lfYTZaU21DUlFCMXF1NThOekNBSWhkemF2MFRDTU1teWx2WXYzR0h4Y0s1V3BkcVVkNDFsbUxFbHJUOHgxcXRYdk9MQlhDWnlHeVM4WEh4Q2VZRk5VT25WMXloTTllWg?oc=5) · kake.com
- 2018-01-19 [Impact Bank Executive Vice President David Carr announces his retirement - Sumner NewsCow](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVDlRc2tTRU1vNXk5RjRRUGxRd2hLT0hMRXRLbjdvYmNCaXByQVhZaVluU0pZdGZyMTN5azhEcEh2WFZKelE1X3g3WUd0SC0xMGNhUzA1bC0xTUxlU05IMHVGNWZGTElpQ0tnSllxWE9YTzQ2STRrNnlJTWpEQ1Qyd2d6NEZuaG14SnBRYXMwd3Y0ZUJyRXBpaTEwMFJWV1BUUFFLajB3?oc=5) · Sumner NewsCow

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17399 (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/55.json (key "17399", 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