# ALTA VISTA STATE BANK
ALTA VISTA, KS · FDIC certificate 17920 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $19.0M | |
| Deposits | $15.6M | |
| Loans and leases | $8.9M | |
| Total equity | $2.9M | |
| Loans / deposits | 56.52% (p23 of band) | 74.58% |
| Liquid assets / assets | 52.36% (p82 of band) | |
| Uninsured deposits / deposits | 8.92% (p26 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.51% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.92% (p82 of band) | 10.79% |
| Unrealized securities loss / equity | 7.88% (p89 of band) | 2.02% |
| AOCI / equity | 3.47% (p85 of band) | |
| ROA (annualized) | 1.24% (p73 of band) | 0.86% |
| Net interest margin | 3.47% (p39 of band) | 3.65% |
| Efficiency ratio | 64.21% (p30 of band) | |
| Noncurrent loans | 0.15% (p25 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 776.92% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 5.10% (p30 of band) | |
| Auto loans | $163,000 (1.83% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## 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 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | reserve under noncurrent | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 3 | noncurrent p90 |  |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2015-09 | 3 | charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2015-12 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 1 | deposits shrinking |  |

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

- 2015-08-22 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOXpsSzFyOVNqd25hYnlDVnJsMTNzMU04dFNoQ0QyR1lNcE9TWUNCai1tcUJ1UGZxWVFLOC1kUlJzZDlWaTh2UGt1WDlQOTcxYVMwbHdWeFo0Z2JGU2d0aGhLZGJwNWU1emtZOTdaZ2l0OWVCSlVsdVVfcWhkTEMyMFVQTnBQcWVONjBv?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17920 (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/0.json (key "17920", 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