# HAVILAND STATE BANK
HAVILAND, KS · FDIC certificate 17403 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $47.8M | |
| Deposits | $40.3M | |
| Loans and leases | $34.2M | |
| Total equity | $3.6M | |
| Loans / deposits | 83.88% (p70 of band) | 72.79% |
| Liquid assets / assets | 25.46% (p32 of band) | |
| Uninsured deposits / deposits | 26.11% (p72 of band) | 19.24% |
| Brokered deposits | 6.28% | |
| Wholesale funding | 13.92% (p88 of band) | |
| FHLB advances / assets | 3.50% | |
| Tier 1 leverage | 7.99% (p3 of band) | 11.81% |
| Unrealized securities loss / equity | -10.85% (p39 of band) | -7.16% |
| AOCI / equity | 3.95% (p54 of band) | |
| ROA (annualized) | 1.44% (p69 of band) | 1.07% |
| Net interest margin | 4.16% (p66 of band) | 3.81% |
| Efficiency ratio | 55.03% (p20 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.35% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 40% | |
| Construction % of loans | 2.05% (p22 of band) | |
| Auto loans | $714,000 (2.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 3 | assets shrinking |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | assets shrinking | deposits shrinking |
| 2017-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 1 |  | assets shrinking, deposits shrinking |
| 2017-09 | 3 | deposits shrinking, assets shrinking |  |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | deposits shrinking | capital falling |
| 2019-12 | 0 |  | deposits shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | charge-offs p90 |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | charge-offs p90 |  |
| 2024-12 | 4 | loans exceed deposits, wholesale funding >15%, deposits shrinking |  |
| 2025-03 | 1 |  | charge-offs p90, loans exceed deposits, deposits shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | wholesale funding >15% |

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

- 2022-01-18 [Stephen Matthews Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPTENhc2loOVJ1MVRBMmZaWUhadFliMEpIVXNGNFpRMnd1cHh4S083RVltSElVbEl2RzcyQ3Z2elNQUGp0WklibWxFUUxnUjY4djVhcUJBSE15RDNkV2NzcjJHUHNDcjZVMG1BbXgtZTF0bDlQWmwtSjBoZ3ZFWHdvdFRiSE1zc203VTVB?oc=5) · Dignity Memorial
- 2026-08-21 [Dallas man charged with defrauding 16 banks of $40 million - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMUFpVTlmMEVRNzcyckoySHBTOUN2RWRkNnBDNmR5ckdfU1VJVFREc0RtMld5WlpaRHRraGhtSjZrUVBOR3M2WjBCMHBMM2NBQlVVVHZVT2hmQlpianF0b3RWUGRUX2xmUktMR0NQYUhIb3J6ZS14cEQ4RFBaSHpYNEN5OVdhWkV0YTJCWHpRaUZpU3BQT0U2aQ?oc=5) · American Banker
- 2007-05-10 [7 appear in court for alleged looting - Lawrence Journal-World](https://news.google.com/rss/articles/CBMifkFVX3lxTE9iTjR2WVY4OFVxal8zQTF2VEpxcngyUFB6V1F4emJ5MGp0b3ZDcmNlaEM0am5nRFRpQ1NXX2V6S2lWMkM5SEFWTmlncjFpZ1J5ZWJ4OWN6Qk5jNnJ6M1VCeGNMelc5dEhJVkVDSUNIVGtUNlNSNnBhMTRWNkNPZw?oc=5) · Lawrence Journal-World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17403 (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/59.json (key "17403", 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