# VINTAGE BANK KANSAS
LEON, KS · FDIC certificate 17927 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $288.6M | |
| Deposits | $231.4M | |
| Loans and leases | $181.0M | |
| Total equity | $25.4M | |
| Loans / deposits | 77.38% (p57 of band) | 73.59% |
| Liquid assets / assets | 31.92% (p49 of band) | |
| Uninsured deposits / deposits | 22.83% (p61 of band) | 19.81% |
| Brokered deposits | 3.12% | |
| Wholesale funding | 13.46% (p89 of band) | |
| FHLB advances / assets | 10.35% | |
| Tier 1 leverage | 11.56% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -30.48% (p13 of band) | -6.57% |
| AOCI / equity | -0.91% (p30 of band) | |
| ROA (annualized) | 1.70% (p76 of band) | 1.17% |
| Net interest margin | 4.45% (p75 of band) | 3.93% |
| Efficiency ratio | 55.69% (p24 of band) | |
| Noncurrent loans | 0.53% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 208.53% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 52.74% (p80 of band) | |
| Auto loans | $1.9M (1.04% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 1 |  | losing money, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  | wholesale funding >15% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 4 | AOCI drag >20% of equity |  |
| 2024-09 | 1 |  | wholesale funding >15%, capital falling, AOCI drag >20% of equity |
| 2024-12 | 2 | wholesale funding >15% |  |
| 2025-03 | 1 |  | wholesale funding >15% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-11-19 [Alex Kruse, Legacy Bank - The Business Journals](https://news.google.com/rss/articles/CBMitgFBVV95cUxPUlNDX0tsdWt5akMxaFRFbTBOcXExdHNyek1FWFdhNnUyampzcWIzRzhhV1Q3VUc5YktOUmtYSU9QSUhhRHNQQ2FaZUVTekpxQjRIbkhDdm5QQk1XalZMU0huOEQ4TXJZYmZSQ3FFSTJaWi1wemo0dURsQmJqNlJqQ0I3Z2lsQzRudXU3SHpKems2UjZaTXpESk9SYUhyRDJYWFI2OWZ0QUpMbWVtczVBM0VkUFNGdw?oc=5) · The Business Journals
- 2020-03-28 [John C Balthrop Obituary Mar 28, 2020 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE9jTnBHZTlDbEdEZmprMjVrYV80WVppaTRBRFo4WXJ2QmhZV25GMWFQZXNlbHBCSFI2WHktZGNZY2dPb2dCYTBIYU9UTFpEVDBIUURocGVvOXBOeGw4UDVYaHZ1YlVWUmhfNDZmci1BYkhBQVBJcTRv?oc=5) · Petersen Family Funeral Home
- 2025-01-13 [Michael Monteferrante Joins Barton School Dean’s Advisory Board - Wichita State University](https://news.google.com/rss/articles/CBMilgFBVV95cUxPazR0MW9xMTdNTE1leEdXM2pCekdqVWlKQzlxLUF3WGlnQTREU0VEck5wVENLZlpKRWZjZ09sLUF1N28wRGliTEgwbWdIM0xad1BlNEZkampKLVNfY01wMFNOZU85V0xPMW1fQm8xenN0SEQ0alYyNzRLb2lmeWJJSGpOUE05bl9RUzhlOWtxN3FyMFI3Unc?oc=5) · Wichita State University
- 2017-05-12 [Hartman group buys Bank of Whitewater - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWThLQ2M1emxscC1PWm5iejhTMkV6SXE1bExBeFBLR3Ata1RYUHFab2ZEZHZRVXBVNzlPbC1uaHhVdWMwTWloUkpGQWgtbzVXR21sYzZjdTFQaVhrLVVmcUJ0THdFZThvYkMybVdCT3dmUnBZeVBueTdQTVUyT216UXg2Mm5RTFBTMGxfcFR6MW5KQ3p5TFFrRzhB?oc=5) · The Business Journals
- 2022-11-19 [Avery Gabel, NoxNumis - The Business Journals](https://news.google.com/rss/articles/CBMiswFBVV95cUxQTG15LVE0S1JQTENQN3FlMGFiMzY3YS1VSDN2TEdHV1h2V3YybXFsNTN3Y0VHTkJYN20ya1oyN042Q2xIR3I0TFp3TURyVWw3LVBfN3FDbHo4Z2pIZEVMb0ZILVJ2OUdydl8wT0VkcG1wSGFDNmFLc3NJRXlsejhsYjJQOGs4Y2VQS2taaFNVX2hzeHExTUt6WUZ6elFJTUQ1NW93dVpIYUhyRmJmM2hxMFpaZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17927 (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/7.json (key "17927", 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