# WALTON STATE BANK
WALTON, KS · FDIC certificate 17982 · asset band <$300M · latest filing 2026-06 · live

**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 | $13.0M | |
| Deposits | $10.1M | |
| Loans and leases | $3.1M | |
| Total equity | $2.8M | |
| Loans / deposits | 29.99% (p7 of band) | 73.59% |
| Liquid assets / assets | 67.36% (p93 of band) | |
| Uninsured deposits / deposits | 14.81% (p31 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.42% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | -0.68% (p81 of band) | -6.57% |
| AOCI / equity | -0.89% (p30 of band) | |
| ROA (annualized) | -0.02% (p7 of band) | 1.17% |
| Net interest margin | 4.40% (p73 of band) | 3.93% |
| Efficiency ratio | 93.45% (p92 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $91,000 (2.98% of loans; DQ 54.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 5 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 3 | leverage <7% |  |
| 2012-06 | 1 |  | capital falling, leverage <7% |
| 2012-09 | 2 | leverage <7% |  |
| 2012-12 | 2 | uninsured deposits leaving | leverage <7% |
| 2013-03 | 3 | leverage <7% |  |
| 2013-06 | 3 | deposits shrinking | leverage <7% |
| 2013-09 | 2 | securities losses >30% of equity | uninsured deposits leaving, deposits shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | leverage <7%, noncurrent p90 |  |
| 2014-06 | 3 |  | securities losses >30% of equity |
| 2014-09 | 2 | uninsured deposits leaving | leverage <7%, noncurrent p90 |
| 2014-12 | 2 | deposits shrinking | uninsured deposits leaving |
| 2015-03 | 5 | leverage <7%, capital falling, assets shrinking |  |
| 2015-06 | 1 |  | deposits shrinking, leverage <7%, capital falling, assets shrinking |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | leverage <7% |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 | expense ratio p90 | leverage <7%, capital falling |
| 2016-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | capital falling |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | capital falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | deposits shrinking, assets shrinking |  |
| 2020-06 | 3 |  | deposits shrinking, assets shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | leverage <7%, capital falling | expense ratio p90 |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking | securities losses >30% of equity, charge-offs p90 |
| 2023-06 | 5 | securities losses >30% of equity | leverage <7% |
| 2023-09 | 6 | losing money, NIM <2.5%, uninsured deposits leaving | assets shrinking, securities losses >30% of equity |
| 2023-12 | 5 |  | losing money |
| 2024-03 | 2 |  | deposits shrinking, NIM <2.5%, uninsured deposits leaving |
| 2024-06 | 4 | losing money, expense ratio p90 |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | deposits shrinking, assets shrinking | capital falling |
| 2025-06 | 7 | uninsured deposits leaving |  |
| 2025-09 | 5 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 6 | capital falling |  |
| 2026-03 | 4 |  | uninsured deposits leaving, capital falling |
| 2026-06 | 2 |  | deposits shrinking, assets shrinking |

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

- 2026-06-13 [Forget ‘Too Big to Fail.’ How ‘Community’ Became the Most Controversial Word in Banking. - Barron's](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOEppQU1vQXNGY1kwZzZmWGdLZVRLTkQ3T1A2d3JtbkYzR3lYOXJxOVdjRnRuaGRydmEwZTlkX2Z0Y3JmOWlPT3NkV1FOWWFSTmMyRnhvLWkwVV8wYUpKMmhHbHVxYktOUjFOT21wdVZwQUdDS09YYW9SdTRJWmlkWE5SSENCNGFVc2k2LXRCMVJTQXI1cmxMdVlTbktENGc?oc=5) · Barron's
- 2023-07-01 [Carolyn Johnson Obituary Jul 1, 2023 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE1MeTkyaDVlUUhyZVRkcnp6cjM5R201QmM4RE9RT3NYWVhDa3p4azduS3JybEhrcUxhVndROW1Vc0RtMVFyOTVPN2Nsb3g4TjE1TjR3WE80N3NGQUptOFhvNzd2MEtCYVNRdURSTndsTW91M1UwU280?oc=5) · Petersen Family Funeral Home
- 2025-07-18 [Real estate growth is key to success of community banks, Stryv Bank president says - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOTFN2Tm15Y0pCb0YydnFTUU93ajVTdDBjODJDU1paZmM3S0x1OHd2OXh4Y2NmTnZsUU5Za0tPTGlsMXNjRVNHcXlIbTN0NElMa1IxOEF4NXE5Zk9UNndVNFBzbE5YNmZQWkpMVTQ1anM5cDA4UzhfTXdWVWpmaU85UjFKTjM1SXlJSVEyMURxbVc1b2xjSmhER3FZRWVMNGZRVUVDeWxoVnZVUzQ?oc=5) · The Business Journals
- 2023-04-06 [Diane Branning Obituary Oct 30, 2022 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE5MblkxcnNZWW5ab01Sc2hKTjBtbHlPUjY0cmZBR1FhS3NkTGsyTndleVdpMXZaUFpWWFlXTXNVb1VGM2FLNFFKc29TMHJMd2oyTGJqZXlReXlfLU5DaXdnTFRCTmdSM0dxWWxPYnpyT1o1aXdaS3c?oc=5) · Petersen Family Funeral Home
- 2014-10-25 [Marvin D. Esau Obituary Oct 24, 2014 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE0wbHdMM3JSaW9Nam1GdEx6NVY1bTNRbkpnYXFKenhENUZKcG5TVVVyZllOejBnZlhidDhIZThLREpmTUt2NEhaZmRkOGdlOW1XdDNNRXZERlk0cmxWTEE3YjVHaThPclpJQTBMdVZMZFVKVGla?oc=5) · Petersen Family Funeral Home
- 2013-11-28 [Ardith Sauerwein Obituary (2013) - Newton, KS - The Kansan - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNTkQzbzc3a09YS1NVdnFkZVltSTRPQXhqUWxMbGt6ZkFiUjJnVTJOX2gxR2JfUTVJTXJHY2JvYkN6UTVnR2VXZW4wWUdtNld5bDRjZlM3M1pLWmItM1pxOFhKaVZKTmVrdWZnOHdjVGRzTHVsRUV1MWkyWTY1N0JyaEMwQW03SWFUMTVJRFFzbVB0bGc?oc=5) · Legacy obituary
- 2018-10-20 [Wilma J. Decker Obituary Oct 20, 2018 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE5YeFRZcUdZTWRmQkIwLUlPUE5zSDk4d1E3Q2xHVUVhVVB3V3U4aDNCTmlFTXdqMmM2aFRWUThHcWx4YUZrdXJldkJNM0pkV21DLVAzckw5d3g5aERiX2U5akdXUkd5VC16MkdFeU5qZll1Q1dQZVE?oc=5) · Petersen Family Funeral Home
- 2015-01-10 [Edwin J. Regier Obituary Jan 10, 2015 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTFBRb3l3RGhJbUFncTJ1UV8yci1kRUFCdkFacTJLakRlX1BFUGQzRDRadjR1YnRmY04tY3dvQ2E2My1CZzQ2eXl4ZVdQSVVIcEN1VEozV0ptTXBxaHExY1JDMzYyN3EzN0tsMUYydURuWDAyU2xuelE?oc=5) · Petersen Family Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17982 (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/62.json (key "17982", 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