# FIRST STATE BANK OF HEALY
HEALY, KS · FDIC certificate 17661 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $108.8M | |
| Deposits | $86.5M | |
| Loans and leases | $66.3M | |
| Total equity | $16.2M | |
| Loans / deposits | 75.42% (p54 of band) | 73.59% |
| Liquid assets / assets | 33.57% (p52 of band) | |
| Uninsured deposits / deposits | 28.30% (p78 of band) | 19.81% |
| Brokered deposits | 11.57% | |
| Wholesale funding | 16.33% (p92 of band) | |
| FHLB advances / assets | 3.22% | |
| Tier 1 leverage | 16.77% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -16.48% (p28 of band) | -6.57% |
| AOCI / equity | -0.09% (p65 of band) | |
| ROA (annualized) | 1.36% (p61 of band) | 1.17% |
| Net interest margin | 3.11% (p15 of band) | 3.93% |
| Efficiency ratio | 55.59% (p24 of band) | |
| Noncurrent loans | 0.89% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 192.87% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $328,000 (0.49% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 3 | capital falling, deposits shrinking | charge-offs p90, noncurrent p90 |
| 2016-06 | 2 | noncurrent p90 | capital falling, deposits shrinking |
| 2016-09 | 2 | losing money | reserve under noncurrent |
| 2016-12 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | losing money |
| 2017-03 | 4 | charge-offs p90 | deposits shrinking |
| 2017-06 | 5 | deposits shrinking |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 2 |  | noncurrent p90, assets shrinking, deposits shrinking |
| 2018-03 | 4 | noncurrent p90, deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-06 | 5 | charge-offs p90 |  |
| 2018-09 | 5 | uninsured deposits leaving | assets shrinking |
| 2018-12 | 5 | assets shrinking | uninsured deposits leaving |
| 2019-03 | 2 |  | deposits shrinking, charge-offs p90, assets shrinking |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 3 | noncurrent p90 |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 2 | wholesale funding >15%, securities losses >30% of equity |  |
| 2023-12 | 1 | uninsured deposits leaving | wholesale funding >15%, securities losses >30% of equity |
| 2024-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2024-06 | 3 | capital falling | uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | securities losses >30% of equity |  |
| 2025-09 | 2 |  | securities losses >30% of equity |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 4 | deposits shrinking, assets shrinking |  |

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

- 2023-01-23 [How Bad was the 2022 Drought? For these 7 Kansas Communities, it was the Driest on Record - KCLY Radio](https://news.google.com/rss/articles/CBMivwFBVV95cUxOX25uWnZvcGhOTXk3UTFTMGlYYXlWWmJiRUl3aU9kZGNPZHVoRmpBYk1oZWxMQXhLVzcwTWpEMzB3NmFvbnNkcUlUTEtOOE5jOTl6OWQ0RWd5ZFROMnVYQ2doeTdidjdjdlJna1JtZlVBNjVpdFJSSnFjbkt6ckZWZ1c4ZjBoUS1rOWpKSm1xMWpKbGpKUGJUN1ZrNjNIQzZiaElCMHlna0VKZjdiWUM4a3NNYTZacnl4S19ZenI1WQ?oc=5) · KCLY Radio
- 2017-10-04 [Kerry Von Schriltz offers some favorite recipes showing her devotion to farm family cooking - The Hutchinson News](https://news.google.com/rss/articles/CBMiggJBVV95cUxNQWJ0NVpMSkt6UWcyaHJQb3R0NzUwTkpxS0MzSWpBUkRBYmFnaG90WW9UZkpHYVdjbmNEMzBuZWhsY3VYUGR3UWF2MGZqRlVSeEhLa2lIUzJwTS1ieHduR3ZLaGVhTF9HWjZxVUpUYkhzdVN6UDMwYUNkbTkxc1M3dkxXamk0ekhrQ1p5STJFaUtNTFRobmluQ3FuZGZVamw2Nnd6YVZuZkxWWGtXOUp6NF9ERGVOT1RsYnh1eHdPNGpnbDFRd0J0SmhjZU4yZ2cwVXB4WEo0ZUt1TjNQYVh1TktBNTAyZ1FLWXlwNjU0c01lakFtNmRnVDNmak9iV2NTZkE?oc=5) · The Hutchinson News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17661 (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/61.json (key "17661", 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