# OUTDOOR BANK
MANHATTAN, KS · FDIC certificate 17685 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $648.8M | |
| Deposits | $572.1M | |
| Loans and leases | $475.1M | |
| Total equity | $63.1M | |
| Loans / deposits | 80.96% (p48 of band) | 82.04% |
| Liquid assets / assets | 23.89% (p47 of band) | |
| Uninsured deposits / deposits | 13.26% (p9 of band) | 25.97% |
| Brokered deposits | 13.94% | |
| Wholesale funding | 15.63% (p88 of band) | |
| FHLB advances / assets | 1.69% | |
| Tier 1 leverage | 9.24% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -0.15% (p95 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | -0.26% (p2 of band) | 1.28% |
| Net interest margin | 3.88% (p48 of band) | 3.91% |
| Efficiency ratio | 80.73% (p89 of band) | |
| Noncurrent loans | 3.83% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | 0.74% (p98 of band) | |
| Reserve coverage of noncurrent | 65.56% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 72.42% (p73 of band) | |
| Auto loans | $307,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 0 |  | losing money |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | losing money, expense ratio p90 |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 4 | construction >100% equity |  |
| 2013-03 | 2 |  | capital falling, construction >100% equity |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | reserve under noncurrent | expense ratio p90 |
| 2014-09 | 0 |  | losing money, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 5 | loans exceed deposits, wholesale funding >15%, capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 1 | uninsured deposits leaving | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | liquid assets <10%, capital falling | uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | liquid assets <10% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | reserve under noncurrent | capital falling |
| 2017-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 | capital falling | reserve under noncurrent |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent | capital falling, charge-offs p90 |
| 2019-06 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2020-06 | 5 | capital falling, losing money, expense ratio p90 | uninsured deposits leaving |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 4 | charge-offs p90 | noncurrent p90 |
| 2021-03 | 2 | noncurrent p90 | losing money, expense ratio p90, charge-offs p90 |
| 2021-06 | 4 | deposits shrinking, assets shrinking |  |
| 2021-09 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2021-12 | 2 | charge-offs p90 |  |
| 2022-03 | 1 |  | reserve under noncurrent |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | charge-offs p90 |
| 2022-12 | 1 | charge-offs p90 |  |
| 2023-03 | 2 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2023-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | reserve under noncurrent |  |
| 2024-03 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | uninsured deposits leaving |  |
| 2025-03 | 7 | brokered >10%, wholesale funding >15%, capital falling, losing money, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2025-06 | 5 | construction >100% equity | brokered >10%, wholesale funding >15%, reserve under noncurrent |
| 2025-09 | 3 |  | capital falling, construction >100% equity |
| 2025-12 | 5 | brokered >10%, reserve under noncurrent, construction >100% equity | losing money |
| 2026-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90, brokered >10%, construction >100% equity |
| 2026-06 | 7 | brokered >10%, wholesale funding >15%, capital falling, losing money, charge-offs p90 | deposits shrinking, assets shrinking |

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

- 2023-04-24 [Peoples State Bank rebrands as Outdoor Bank to drive home its niche focus - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPYVhleDN3MTJJLUlDZDFIaC02SmItbXVJZ0NjOFJSYUdXY3dFRTFfSXpFWmJ6WGdUUWttQjM0TTFaVFd4b2U5NlhBemtYYnBUUkh2SHpKb28yU3c3T292dEMyNk9FMS1xWks5NE9CTE52X2c5b3oySEdlTHRaNUJDcDBBcW0xSjdDZTBHTHJOcmduZGloeGl5VUtQMWhNZzl0TVV2b08zQVBVV1VQYUE?oc=5) · The Business Journals
- 2023-04-20 [Peoples State Bank rebrands as Outdoor Bank - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFA1b3VIZjlZWWc1dUNFTVJJRVNqZ3hKcUtjcnY5N0hsMUdxNVRkRWVNMElxYU1XN29YNEJWZTBvWXk3azRDb3FZNHhZT3lrcHBSVjhmM3ppWmItVUVPOWpCSjZ1WW1MdXg3R2l4ZHpTY3o?oc=5) · hayspost.com
- 2025-09-09 [Manhattan bank kicking off third annual $5,000 treasure hunt - KSNT 27 News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQ2k5bnV3ckk0VlpxRTdKZS1WeW9ZTkp1UmNaM0FRQTVuT0JvM09uQndoNlM1a3d0UUhtOElYRGI2bXR3bWdGd2dSb3JKUUJFLV92Q0hfS1pCVE96bU5GYzBxQjg2N2R2SUY0TnV3bDVjMGd1UG9icFk3QjRRNEhyaHhnM1ZMTHNqQ2lmZ2wxR0dqbll2bG1LTGphWHDSAaIBQVVfeXFMUFlneUxKdTE4aTc3RWQzUkhkVHd6ZkdnZmxKdzhYWHhLYnlkNW1mRVJ6blluaTdNM2NmRnlOd1dDNFM2a1d3OTlhOFVoUHp5ZDZBdzdyYTdUdVktMjJyaEYxM3o5MjdTdWxnOTJCWXU1T0NIaGhCOHFxLU9FYzktNDNQSl9UMnpoWVJMaVp6R2xPSEprb2lLQmtCdUJFYWZrZHd3?oc=5) · KSNT 27 News
- 2025-10-22 [These 10 KC-area banks see loan portfolios grow the fastest at midyear - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU0htYlFDX2F6RjV3MjZpd3Nlc2lZaHYwQS1Wd2ZvY3dneC1Ea1RoUkQ0ZUNPVWoxekg5WVFLdnN6Y3RvajE4UE9PTXVIRzJYLTNFRWgwS1BJUnZpaVQybmlabDJJTnNDYjhSWGw0RzFSTVZIQUlDMlVvV0FhQlRhSkhNcDB6YmdhR3JiaVV0Ql94RS14UFhyNC12N2paVkNjdG1vbEhUTzc?oc=5) · The Business Journals
- 2024-08-13 [Outdoor Bank announces the return of a treasure hunt - WIBW](https://news.google.com/rss/articles/CBMiggFBVV95cUxON1Bvckh3VW1YblRwMnBVbFVqUlVWV3BqSF9aaWc5RzJoNmFKRUZKT0JJbGgwcVNtejVpTlU1dkpCN1hBSkJaYU9JRGU0S25sbnIwUFdOcndITHk5Y2RSUlhkY0hvRzFNS1JJaGE0elRsZjdOdE9INmY5XzdxcElzenJB0gGWAUFVX3lxTE9vMEpNZHgtSnc4ejVMejFPdmpPYkJFVkkzdXVIQXkxMzdqclRMVllTV1hEcDJFQTA1OEt6YjJualN4bmZIc2tubjFobnd3dWZOcTE4REY3VnJXUnpFQW5TZ2RKdVRLVkNhaHZsdHV3OC1ZaEhlZjBYYnhIbDEwM1pka2VaTjdJZmpLX0k4TVJ4eGtxVlNLZw?oc=5) · WIBW
- 2025-09-17 [$5,000 treasure still hidden in the Flint Hills - KSNT 27 News](https://news.google.com/rss/articles/CBMilgFBVV95cUxPc3hJSE5Pa0RoWmxwVkVPRG5fUTd0cjJqbS1rWFdmVXVsUDhFd3VHOXRkTWZWV1FDdDl3Tm9WRUVqa1VxNXpydXZJUTVaZmZxM2FRazdpTXR4VWR2YnRtREVESktQdEMxSXh3QS1ZUVpiZ0xLMVlnWW4ybkV2dmNFcjdxdFpHNnZhNnFENnE2QkxLMHMyaEHSAZsBQVVfeXFMTURQNU5POEJfclpHa1dkS2xaWlA0V3BORUdWcEhPSHhVaGN4dkpLR00xc3dSU294MTZsdnVoaVc0YU1XNG5HSmZVSHBLV1RJbG1VYlRnZTBaQUVvcHRXU2pxRzRFOEY0eFdlTHZWNlk2dzgwX24yTVR4RXFpeGFfUjlVUE9jbVFFMXdJWVRBNzIyQ1FWVVZpTU5CZlk?oc=5) · KSNT 27 News
- 2024-08-16 [Clues released for $5,000 Manhattan treasure hunt - KSNT 27 News](https://news.google.com/rss/articles/CBMilAFBVV95cUxQWk9OSVlnaThDazEzenlvbmN6X25zTm11WktPNUJoLW9yeFpLU0l4MXVwUVVlM1ZxQW9hRE1KYS00RVNoYXduTUkwOFVBNkdYdUR1MW9xOGJpYUQzNWw2Y1RYZ2tLcm1DcDVjQ2VMNlQ3YUE5Q1M3dWJZdHV0ejl2R2hUQ2c2aWItbk5jLWlJNHFJeFQz0gGaAUFVX3lxTFB0cXlxT2xSSTBlRHNiSVRnVjN5YWRMYkpWR2E4SndCZ25SUkRGdmxxbjYxUWdYOEFtcm1DdE05SUtPaS1oQ3pHZEtMclZJblZPUjZXRlF5T0FpeUstS0h0YUx6VjV3UU1lTHZYZG1lekJ5Mi16TEJwNHpXYlFQdE05dm13YUxqWXR2VllweFBzM05tWGgxRm9mNmc?oc=5) · KSNT 27 News
- 2023-08-22 [Jay Alan Todd - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5nbkRlR3AybEFVVDFiUVhZR3lWYjlJdFdZaGRyeU1ycGU5T0VNNUZJZmxkTV9ITjczbTFoQ2FTZVd5VGtFOC11cXE1SGxlX0NWS1llcnhSZUxfZ3pUN01JaWdvU29oYjVxRjhDWXIxOVo?oc=5) · hayspost.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17685 (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/21.json (key "17685", 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