# BANK VI
SALINA, KS · FDIC certificate 17883 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $108.2M | |
| Deposits | $78.6M | |
| Loans and leases | $80.5M | |
| Total equity | $11.0M | |
| Loans / deposits | 100.91% (p91 of band) | 75.02% |
| Liquid assets / assets | 21.54% (p28 of band) | |
| Uninsured deposits / deposits | 18.62% (p64 of band) | 15.14% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 17.94% (p94 of band) | |
| FHLB advances / assets | 17.01% | |
| Tier 1 leverage | 10.18% (p35 of band) | 11.04% |
| Unrealized securities loss / equity | -1.65% (p57 of band) | -2.21% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | 1.00% (p53 of band) | 0.95% |
| Net interest margin | 3.28% (p25 of band) | 3.73% |
| Efficiency ratio | 74.17% (p59 of band) | |
| Noncurrent loans | 0.05% (p21 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 3030.00% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 65.14% (p86 of band) | |
| Auto loans | $1.3M (1.58% of loans; DQ 1.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.8% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 4 | liquid assets <10% |  |
| 2011-12 | 3 |  | liquid assets <10% |
| 2012-03 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2012-06 | 5 | liquid assets <10% |  |
| 2012-09 | 3 |  | assets shrinking, liquid assets <10% |
| 2012-12 | 4 | reserve under noncurrent |  |
| 2013-03 | 7 | liquid assets <10%, losing money, expense ratio p90 |  |
| 2013-06 | 5 |  | deposits shrinking, liquid assets <10% |
| 2013-09 | 5 | capital falling | reserve under noncurrent |
| 2013-12 | 2 |  | losing money, expense ratio p90, capital falling |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |

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

- 2018-03-14 [Salina’s Bank VI Aquired by Plains Bancshares - KSAL News](https://news.google.com/rss/articles/CBMidEFVX3lxTE54SW5yekRLM3BKRXRacG5zR3lDMkFWSTlyZHpFeE9ZRVV3LXlPMUlYSkZnbDQxd0VRLXc1ajZydXpPa3d4WDFFNWstdkVkRVU3NDRfSE9xbEVZVjBsWVZtbVA1eGVSaXFTODl3RVFDc1E0WXNG?oc=5) · KSAL News
- 2025-12-11 [Salina Sees You: Bill Fekas, Family Christmas Dinner - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBZd0tVSkdzWXdLYXVtTWNycVIzcy1XV3ZhalR0aF93Y09TUGlUaHJsREs0RFBTWHVOdElsVlBhYmJ4MnhGQllXWlNQV1RVY1pXTDUwQkFXN3JvS0tiVjBBMjVXM0l2TzE2d0M3cW8xeU9TTEk?oc=5) · Salina Post
- 2022-05-27 [Plains State Bank of Hutchinson and Salina expands, adding Anthony and Harper branches - The Hutchinson News](https://news.google.com/rss/articles/CBMivAFBVV95cUxNaE01UjZ5MWhyYmRFa0VWTVZGbGx1dV9RaERZYnVyZlBtM1BUeGYyc1pfdXB2MDRqTGtUeWUtVTVvZGtqZUpfSnVyMjJSc1dlSnpvQjdCM1RmY3AtejAwOVJUZVlacFZXVzFfb3J6TWF6Q1VXVm5tUkIxVy1SOWRoanEyV0NKRXpsUmpDeUQ5Wi1wd3JnV29Td0JtYlhmaU9wYTE0VW5BQm9kdDNTMVd5dy1nTVZBblhtejBLTw?oc=5) · The Hutchinson News
- 2018-06-26 [Plains Bancshares completes acquisitioin - gbtribune.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNRDJxX2VRbUtZRndZaWdWVGV5dEs1bC1yNXYxX1NKZTlRSDVKWF9GQ1AwM1dvd0hhUmdiV0VjLXJYLXZrSGNldTVFMEVMblV4T2F5M2tSZG42bGlTSjBEeVRHd0VFb2xfS0FyQUJmcGVHc3d4RUxKMGgwQVdGMDBDQ0owWV93cGJw?oc=5) · gbtribune.com
- 2022-09-09 [Fort Hays State alum takes reins of Salina bank - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5SNTI5aXpMM09wWVhjeWEzQ3ZfRG01VTVfOVRjYnpBUzd4OWE1T1R6cnBQZXVEeW1sUkFGOG9qUVRPd3A0VUNuSklrSjdkY09aVXY2cGdSbjZJVTYtcFNLOG5kckRYZ2dRX3A3a1NCeGs?oc=5) · hayspost.com
- 2025-08-16 [Alumni Award Recipients to be Honored at Homecoming - Kansas Wesleyan University](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQYUdNeEx5TzY4Mzc3UkN0STljUlhORVBmWnVYS09fM2dRZ1NhX0FjQ0RUalFTVVNQbGp6YWNickRjQ2NMVktTeXI5UjQ4OTBsWm11eXVNVWhpNFI5cUM5MDhhdEs1Um53ZXMtblczSC1mSjhoWnNtdE5BSGVwS2JFbzRQM1ZrT1Q1Q2Ew?oc=5) · Kansas Wesleyan University
- 2018-06-25 [Salina Bank Merges With Western Kansas Bank - KSAL News](https://news.google.com/rss/articles/CBMic0FVX3lxTE9ESTM0WS1aeFdFcmgwZm9HYXYzVWp3Y29HYm81QV9KN0JWaG5FZUJlOTNwRzRyVy1mNnk3cmVxdDJPSmxuRm8teUJ3aC1QeEZJUGQ5SzZGalZpcFQ1MXFsWEU3QWNUdjVzNFEyS1hUUDNWMUU?oc=5) · KSAL News
- 2021-11-29 [New owners buy Kansas City alternative magazine The Pitch. Here’s what they plan - Kansas City Star](https://news.google.com/rss/articles/CBMib0FVX3lxTFBZWWFzbTQ2N0xwb3ZfNnRISDJYN2d0amFZMDJVZG0yQUxDYnFqR1RlTUk4YXBLcXR1eTlocW9KUTh5U2RlRzViNURNRWM4bGVHSFRFdmdzSWNLOUVlVTV0RXZqQXpVcV9NUXl6VUJ4d9IBb0FVX3lxTE5GMzV2ajBVX2RXam9kVVFWSnRXbWNNY1lwdGwzUlIyVVpMd1BwVGtJUFFmTzJYcjkyXzdlMXNKWml5RVQtTzVLRUphczhQWlB2WXE3VjBRVVpZMUI2WG1jdjgzRXRfZTB4aF9lcHYtMA?oc=5) · Kansas City Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17883 (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/27.json (key "17883", 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