# BENDENA STATE BANK
BENDENA, KS · FDIC certificate 17410 · asset band <$300M · latest filing 2026-06 · live

**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 | $131.5M | |
| Deposits | $114.7M | |
| Loans and leases | $86.7M | |
| Total equity | $12.9M | |
| Loans / deposits | 74.78% (p52 of band) | 73.59% |
| Liquid assets / assets | 31.51% (p48 of band) | |
| Uninsured deposits / deposits | 30.59% (p83 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.62% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.96% (p24 of band) | 11.76% |
| Unrealized securities loss / equity | -7.12% (p48 of band) | -6.57% |
| AOCI / equity | 1.96% (p99 of band) | |
| ROA (annualized) | 1.64% (p74 of band) | 1.17% |
| Net interest margin | 4.02% (p55 of band) | 3.93% |
| Efficiency ratio | 48.25% (p11 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 56% | |
| Construction % of loans | 9.89% (p38 of band) | |
| Auto loans | $1.7M (1.98% of loans; DQ 1.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 22.6% | |
| Employees | 16 | |

## 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 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | deposits shrinking | securities losses >30% of equity |
| 2024-03 | 2 | securities losses >30% of equity |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2026-09-08 [Sonya Jean Waggoner Obituary (2026) - White Cloud, KS - Harman-Rohde Funeral Home - Troy - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQaDN6STFuend0WXFHZTFwU09DUEhxb1JrN01WV1FEUnpuMnpCLTVmR19SYjFmX29tRVVGVEk3NzEzektyclRyM2R5d0RsV3pBdjNpdnJNWVgxNTZsdm16MzhpdXNrQUZxeGZoamYtYUNZdUVzNmxVTXlsUkU1Y29PTTc1VQ?oc=5) · legacy.com
- 2025-09-03 [Lisa Weiland Obituary (2025) - Highland, KS - Chapel Oaks Funeral Home - Highland - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSDRxaThXRTdVelp2cXVtbWptVFBMUkhOdXViNkNIdXNmXzEtR09oQmtBUGpsZWxlRzdQWmRmTnVIa3lmOTI3S2RFazh3cGxGNndkOWJCRzhka01RNjNtSHJRYVhuUHZSVkR4TGllZjFhbUVQVEVhQ1ZESnN2Z3RCVw?oc=5) · legacy.com
- 2025-03-24 [Neil Caudle Obituary (1969 - 2025) - Wathena, KS - Atchison Globe - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRnh2eW9DR3hBOGt5V3ZlUEIxZVd0WGJnaWNyMmNUSFgzWENDdU10UHNtazFma2dycVF1bEQ5U0tmOFc1WF9BSVZ4MmVPQmJNcERKd3lrWWtacWdmTk0zOEYzN2lwaVNNOERYR1NSWWRKVFVMeEI0V3NXd09kNFZWY2dxZjFGSU9Db2JscWZwQlozYnFncFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17410 (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/2.json (key "17410", 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