# WELLSVILLE BANK
WELLSVILLE, KS · FDIC certificate 17923 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $37.9M | |
| Deposits | $34.9M | |
| Loans and leases | $15.1M | |
| Total equity | $3.0M | |
| Loans / deposits | 42.57% (p12 of band) | 67.95% |
| Liquid assets / assets | 57.58% (p85 of band) | |
| Uninsured deposits / deposits | 7.24% (p43 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.18% (p7 of band) | 9.95% |
| Unrealized securities loss / equity | 9.93% (p87 of band) | 2.77% |
| AOCI / equity | -3.80% (p1 of band) | |
| ROA (annualized) | -0.71% (p6 of band) | 0.78% |
| Net interest margin | 3.73% (p48 of band) | 3.77% |
| Efficiency ratio | 117.60% (p96 of band) | |
| Noncurrent loans | 0.36% (p24 of band) | 1.40% |
| Net charge-offs (annualized) | -0.04% (p9 of band) | |
| Reserve coverage of noncurrent | 550.91% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 29.45% (p65 of band) | |
| Auto loans | $613,000 (4.05% of loans; DQ 0.00%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | losing money, expense ratio p90 |  |

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

- 2024-11-08 [Noah M. Mann - Dengel & Son](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9VMk5NTWVOeHRpMVY3ckVSOE1yUlFDVldMN19vNmtMZUp3VUxiQ1o5S2dxaElrX2ZJa0pLWVRNSW5vc1RKZ25oWktYdUt0T09tU0k4RE1vTGdMUjlyaHZ1cHFIMA?oc=5) · Dengel &amp; Son
- 2024-09-14 [Beverly Knoche Obituary - penwellgabelkc.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE45bEhIeDh0R2RWSVJNWjJERWdVam40SGx3eTNGTzZuN0ZRZ2hGWGhhUTgtSHphMElUdjdNOUR3MEF3b0tVZE5sWGY0cDNyeXBFUE50MWxNdk1qa2tuVldPZ2dFaXpOOGM?oc=5) · penwellgabelkc.com
- 2012-01-18 [Town Talk: Tapas opens Mexican restaurant on Mass. Street; is permit parking on the way for Oread neighborhood?; talk of expanding rental licensing program continues; Landmark to buy Wellsville Bank - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQVNvZV9lY3g3V0VtaGVsQ0NPVnFsM3dicmFVaE1jYmRrRkVkT1gtRk5TdWtoVXVKUzVEeWcxUWtzaHg5YWNJWExxT21jNU5KN2pGX3QyZnhha3Jid1hIa1k1Q00wV2FucTUtNzk4SUthVXNnQ3lXNjZKZVFxdjFrckJoWXV4LXcyWDJnSEFRNmZLclA3RWl6dA?oc=5) · Lawrence Journal-World
- 2010-10-10 [RICHARD MOHERMAN Obituary (2010) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRDk3VWJRU1gyMmlTU09lME4yVG1KVUpteUdZVlFNcURaOFhMSVhGNzJqNkdJUWJHU1pydVNCczdMTWN4QlhhZ2cyR25ieVhfMXVBYV9GZm1mY2hQcnRMR01aVlJyWkpkaDRQN09waTdFZU1QTjM5REdzbUZkMkdVVmtyRnRDWlJWVU50SndTRHpTLXc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17923 (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/3.json (key "17923", 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