# HALSTEAD BANK
HALSTEAD, KS · FDIC certificate 17451 · 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 | $205.9M | |
| Deposits | $187.7M | |
| Loans and leases | $145.0M | |
| Total equity | $17.4M | |
| Loans / deposits | 76.20% (p55 of band) | 73.59% |
| Liquid assets / assets | 25.12% (p32 of band) | |
| Uninsured deposits / deposits | 34.43% (p88 of band) | 19.81% |
| Brokered deposits | 0.98% | |
| Wholesale funding | 0.98% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.56% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -1.69% (p71 of band) | -6.57% |
| AOCI / equity | -1.73% (p15 of band) | |
| ROA (annualized) | 1.64% (p74 of band) | 1.17% |
| Net interest margin | 4.65% (p81 of band) | 3.93% |
| Efficiency ratio | 59.34% (p34 of band) | |
| Noncurrent loans | 0.29% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 478.26% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 81.75% (p90 of band) | |
| Auto loans | $5.3M (3.67% of loans; DQ 0.02%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 26 | |

## 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 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 4 | expense ratio p90 | charge-offs p90 |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, expense ratio p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 0 |  | construction >100% equity, capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 2 | reserve under noncurrent |  |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2023-01-11 [Kansas City Fed announces director election results and appointments - Kansas City Fed](https://news.google.com/rss/articles/CBMixgFBVV95cUxOaGdhVGx4MEVtWFdrYnFRNXdHbWVEZ0o2RVlwOGV0aHR5emN2RlJFeDlqZVhlMzA2RTI2aFRVdjZ2b3V5WnE1WFVXTTBsS3BwYkUyaXlTak5xcU04UzRLbGp5Q2pzTG5SYzJ1WXpsdzBsSmQzUDFRb0RQTVFpd05IR3QtX1A0cXM3RUdwT0xTeThNV2Zka1JfOWVrOFlIZ09vdVZaNWNKVXZJSVNqX2J3N0VLbzdFZk14NFdlVkdwRGdjVldsNWc?oc=5) · Kansas City Fed
- 2023-04-10 [Larry G. Jacob Obituary Oct 2, 2021 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9vYktFVHM4aTdtdEI3YUJOX1NoUVBYbFZoenJqU3RvMzVuN1FheDdUMlpITFRxR0h2ampPUW1nVDhPWVl2djl4cHhrNk1YVl9QZjFpQnZycktFZXBadkZNVTJBM0pyTFF0emVVdWdGUnJqQUs2?oc=5) · Petersen Family Funeral Home
- 2026-06-24 [Larry Williams Obituary (1938 - 2026) - Wichita, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcjFGQTlHaEJSMjg4QkFLSkxRNTRmeGtTbFRRcjRyNXVmcDJYN1FrTmo1ajBLVHJNWjhROHNMUGNfdWJxaHo4TDF3UUtPN29tYjdkSUxYaWYwY2NnVDUydTJzSWdablgyLWt0bngwMU9KUzhrT0VUbjFDRWc5UWprLXEzM2ZtQWlFb2d6RQ?oc=5) · legacy.com
- 2013-01-04 [Community of Halstead reaches out to family in deadly car accident - Wichita Eagle](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1pX3BGMHlzMzlKczVST0tkc3doSlg0cWdQNmRKbkUzaEpWeE52TkkwZDVHbnAyR2xDUGpvZkhnTEFZZVJuSEVLVWFNTktxRnFwWk1ybHZqeFJtOXPSAVtBVV95cUxON29ub2JMUkR5NHRGSDNnMXpXLW1hWkFUdFYweDllckdPaEc0bGlpYWQzX0tCbXFOdC1RRWxBTHF2U1BLYjZBdk1xMXhJRlF4RXlTRWNFdl85U2hR?oc=5) · Wichita Eagle
- 2025-03-14 [The WBJ's Best Places to Work honorees since 2004 - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb1lxb1U3emRheWRBbWtiUTNfcDltZkFtMnl0LWpiTjZqdFJtVVlHb210Q3FobHdEQlNwWmZiSlIySmRfT19PLTNFU1JZTWRqWlZlZDhISHRBektyYUpTYWpOV2oxaXJTcEV1bmZ4RTl0UE8tQ25MT3BqVDBkdnMxZEVEbG9sQnQtaE9jYWthbVhtclR0UmJ5eEJn?oc=5) · The Business Journals
- 2025-08-20 [Madilynn Ruth Short - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxQd0RYYVRCRnFjNFFRT3lvSmpxUTE0M2dlU0pSMHJBV2xYOGV5SmRseUhyNDNzWmRja2pnOHpaV2hSTHhmTzdEbWxXVF9QMGpSc3FxYmpQWUVvX1dUU0UwZURFOExQMzlRYlVsRHUyVWl4dG1jTTkxaXVCQ0gwSmtySE1xRDB4UXA0WkVIcTZB?oc=5) · Emporia Gazette
- 2011-11-30 [James Will Obituary (2011) - Halstead, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOMGFQNU42SVJ2TDZNdWgzTV9aSnU2dTl5UHVMNEFfNjdNeWJ6X2dlU0JqVWdSVzB0UjNnQVVnd1U3MjhIMjlsMjh1dF9mMWc2TFEwN2FmSFg4ZmhsTGNVa090LWNvdHFOX3p4QVZPX09Oa3Z2Q09SdDlCamM3R3Z4Y1puRU0yeXc?oc=5) · legacy.com
- 2016-11-04 [Angela Graevs Obituary (2016) - Halstead, KS - The Kansan - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYVVNcVZFRldnV0ZJc0lzYkh6WmpfUDY0RmotcjByYUZWSm5sYUxBQ1pkNTRIOVUxYkxITjhJUFVxbERIV1dLd3V0TUlaeFJsd0F1ckRRek1zOXdrb0lzZHZvcm0wVkdtc0ItNDBVVkZ1RGprNzVOa2Jfbi1STWJfQnh5ZDNkM3pMZEd1VnRRdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17451 (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/43.json (key "17451", 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