# CITY STATE BANK
FORT SCOTT, KS · FDIC certificate 17607 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $57.7M | |
| Deposits | $52.7M | |
| Loans and leases | $38.5M | |
| Total equity | $4.7M | |
| Loans / deposits | 72.36% (p48 of band) | 73.59% |
| Liquid assets / assets | 28.87% (p41 of band) | |
| Uninsured deposits / deposits | 7.84% (p8 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.92% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -12.40% (p35 of band) | -6.57% |
| AOCI / equity | 0.49% (p94 of band) | |
| ROA (annualized) | 1.61% (p73 of band) | 1.17% |
| Net interest margin | 4.16% (p62 of band) | 3.93% |
| Efficiency ratio | 59.60% (p35 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 6.24% (p32 of band) | |
| Auto loans | $1.4M (3.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 2 | deposits shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | deposits shrinking |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 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 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2024-03 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2024-06 | 1 | securities losses >30% of equity |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 1 | capital falling |  |

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

- 2016-05-21 [Community banking - jacksonsun.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZ19IUXR4dloxVVE2eGJrOTFTdWppZEg1Q2RDYnkwYzRMOHFnZThqSlJpeGkybVdoQXhOeXdWYXc3ZkI0Uk5aajFFM2FncnpWNWswU2l2MU9nMFV3TWpwVjlpOUVMZzk3S0UtcWtsYTRGNHVkYm1maWZUa0Y3NWdOYmtFbTdtQ0Z4Rmh2aVlBWQ?oc=5) · jacksonsun.com
- 2025-01-13 [Downtown Meet and Greet is Tuesday, Jan. 14 at City State Bank - Fort Scott Biz](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdmtUQ2lqN2cxN3lKMXZyUGhHTFhnSDl1Z05pLUgwZkx0blNza0xCYktCQnRzMFk1RmFaVTRHd3B5ZWdJUEp1dmt1UFk1Q0ZLWXJVYXJ6OEExTG5Zcm1rRlZyUFJOc201RjB5X1RVM21wSVJLSHZGUHY1a1BEUjhUR25sUVBxZFJ5T2tidGlXTWPSAZYBQVVfeXFMT1dxS1ZUS1RKMlk5aUJtdzcwN1BtWU5ENkZabDNCWjBmWl95dmhVZmQySEM0Uy1NUTd5Q2dvcHF1RHJtS2RMcEgtMDNfTjRPRzhiRjZYeGM4SzVTZndWVHpCTllLbEJlOHREYjhpMG5sbk42bmpDWmFDZlFDa3F0U3hMalgyTUlrdjJDeXhwRnN2MktEbm53?oc=5) · Fort Scott Biz
- 2013-03-27 [CoreFirst announces new president and CEO - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYTk2aWZBVWxuSW0zTTdoVkRIRG5GVUc2X2FUS3A5cjRKbVVzNmVIWXpsVzlOWjRwbEQ2OTBvRE1qVk91OEVKSVk1eFo3TTB5TmtuOXdLNVNMdkFWai0yeGdrTDgtdDVZdEJQU0puNUVYeGJMZVJXaUdnblBWWjZiSXJMY1dQNTZubVdVTlNlX2VwSDkxRF9xR0toLVB1R1doN2QwUVNzb1VjQjg?oc=5) · The Topeka Capital-Journal
- 2014-05-11 [Delma J. French Obituary May 11, 2014 - Feuerborn Family Funeral Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE9hVlM5QWRIRmdFZ2pqUlQtZTZlR2xoNnBYN0pFdURFbXV5UjFJNVE3NXBLQ1Y4VllLczFaT1pZcU1aeVcwc3pXNG1VLXRsSG1OU19TdmNmSGhGRjQ2WTVYWjNiM0JSV1NmeWliU1kySQ?oc=5) · Feuerborn Family Funeral Service
- 2022-07-19 [Joyce Hutchison Obituary - Overland Park, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxOeDEyYXdjQlJQNm43ckhrRDBxelpqS0dLLXR2YTZNQ2hQOXVoLWVIYVFDbDZVbXRFLXJmRDNuSXcyb1NWRFNCT0lkanJYVGRaVFFqNmFidkZISkdnanZFRDdFR01nTGxvTUZjUXgzaVB4VVZieXVFVXVzOERTNUFwSDQyU3Z0VHlqb240VA?oc=5) · Dignity Memorial
- 2016-08-12 [Citizens Bank holds Grand Opening - Fort Scott Biz](https://news.google.com/rss/articles/CBMibEFVX3lxTE5WeHRQOWVfSUFCcnZiZjlma1MzdUhEMUpVSGhENEhXLWhFRl94S3l3U1RlcVpYVVRJQW9RYy1qNm1Sa25vS29OMEk4YjJZVzJ3Z25abGxHVUozSFVlbERXZnFkZmF5TGl4R29RedIBckFVX3lxTFBRMFlrdnA0dXZ2RkQ1ajZ2am1JbUlCRG01dnhaSjdUQmQ5MmlrdGJxRkxaWjBES2dUaW00cDlrMDd0MGRuMDc4UHBsek5Nam8wQzFGZ2t5REZybTZpTFRMU0doTmc5N2NtQVNJVFV5SVFWQQ?oc=5) · Fort Scott Biz
- 2007-11-17 [William Allen Obituary (2007) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOR204VXlzbVhSeXRjalc1TWFzMFJBalk2VVNnYjg5VWJNa1ZVam4teU9rRmZyM1hGaTF6NGoxeHNKM1p2ZU1vbVNHR3BhVzNJTDNKWEVhVDhiWDJOUFB3SmVZMW1JX2RiV2ljdlN0MF9oMkdXX3V1R2RmcWRNbGhVald1MTdRYVZIYzJMTnUtTQ?oc=5) · legacy.com
- 2018-02-19 [Patty Yokum Obituary - Gladstone, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPS3JLTXNLUml1MF9JN2NqWDFYYWIyNzJlbUc1RU80OWI3RWM0aURkYUh0SkZUX3JYLXhlYy1JMENuWm9sc3c3aWowUkc3X3RCbEJLN19Cb0NYQ3VBb2E0aW1DbUprcHpkT01BZWwwb19IcE5wTjZjSXJNMFJSM0dJUA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17607 (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/7.json (key "17607", 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