# JAMESTOWN STATE BANK
JAMESTOWN, KS · FDIC certificate 17573 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $17.4M | |
| Deposits | $14.3M | |
| Loans and leases | $6.4M | |
| Total equity | $3.0M | |
| Loans / deposits | 42.61% (p10 of band) | 77.51% |
| Liquid assets / assets | 60.26% (p91 of band) | |
| Uninsured deposits / deposits | 5.81% (p10 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.38% (p87 of band) | 11.30% |
| Unrealized securities loss / equity | -0.07% (p84 of band) | -1.85% |
| AOCI / equity | 3.65% (p100 of band) | |
| ROA (annualized) | -1.28% (p2 of band) | 0.99% |
| Net interest margin | 2.99% (p12 of band) | 3.82% |
| Efficiency ratio | 85.09% (p85 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.53% |
| Net charge-offs (annualized) | -0.01% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $333,000 (5.18% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.4% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 4 | capital falling, losing money, expense ratio p90, NIM <2.5% |  |
| 2013-06 | 3 | assets shrinking | capital falling, NIM <2.5% |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 | capital falling | losing money, expense ratio p90, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | expense ratio p90 |  |
| 2015-03 | 2 | deposits shrinking, uninsured deposits leaving | expense ratio p90 |
| 2015-06 | 1 |  | deposits shrinking |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 1 | expense ratio p90 |  |
| 2016-03 | 3 | capital falling, losing money |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 3 | capital falling, losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  | expense ratio p90, capital falling, losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | losing money |  |
| 2018-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2025-12-12 [Gerda K. Tatro Obituary Jun 22, 2020 - chaputbuoy.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE51eVdUSWxBbXNfakROWUdCWkVvWkhpbUpDUlo2eWZZRkVsWUhncWMxVjJHSjdtX1RFaENHT0dtVEswWWRlRVBkR1FZTXFUSGFNMUpOLTNzc1c1blRvMXc?oc=5) · chaputbuoy.com
- 2025-10-23 [John Francis Herbin - Concordia Blade Empire](https://news.google.com/rss/articles/CBMiakFVX3lxTE93VmRWM1QwRnNET3RHZVF2d0dtckdFampFdzNzdkRVS0FpOXVEMWhUTUUyMjFZcUh2UVY3UHNBWFIwbVNBQTFfNFdpczJwNFJJckFFVy1Md0NTbUlxd3B5elVKaGdMM1ZvNGc?oc=5) · Concordia Blade Empire
- 2025-10-30 [Margaret Ann Bergstrom - KSAL News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4tNnJLRV9JTTdWbHc4TVlUMC1UTm5pTk1zdkgyWXl4SjZBTk4tOW9tRGJickJWSGxsT19UUGtOZUNnRnVqRjBJNEJaWkVqWjVXdWRTVVVDLXRBTS1nWjlqeUJvQVZYdw?oc=5) · KSAL News
- 2025-02-12 [Edith Marie Herbin Obituary Feb 12, 2025 - chaputbuoy.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5YZUI2UEVVX2VVazVvY0VYVXNaZms3dEdldHdISnJuMzV5Y21uWUNRcDJnZ2hWUUlLM1BhS1h1Z1lhV0p6VElWZFRDV2JrVmlWQ3RRSFZGRjBzTUo0OW40?oc=5) · chaputbuoy.com
- 2021-12-02 [Armin "A.J." Herbin Obituary Dec 2, 2021 - chaputbuoy.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1ILXo5VGVQWjlXeHFVcmxLSERDdHQ1R1dVTkU0clo5Q0VaOHRMTGNQQkliMV9iWk55djVIdFJFOHZ1X1Y3VmtNcXZqbG5ackdkc1BWRlo1Vk9TY08xR2FZ?oc=5) · chaputbuoy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17573 (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/37.json (key "17573", 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