# INDUSTRIAL STATE BANK
KANSAS CITY, KS · FDIC certificate 18072 · asset band <$300M · latest filing 2016-12 · 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 | $139.3M | |
| Deposits | $101.0M | |
| Loans and leases | $79.8M | |
| Total equity | $38.1M | |
| Loans / deposits | 77.85% (p56 of band) | 74.46% |
| Liquid assets / assets | 41.31% (p68 of band) | |
| Uninsured deposits / deposits | 5.25% (p10 of band) | 14.82% |
| Brokered deposits | 2.77% | |
| Wholesale funding | 2.77% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 27.17% (p97 of band) | 10.76% |
| Unrealized securities loss / equity | -0.99% (p47 of band) | -0.86% |
| AOCI / equity | 0.00% (p85 of band) | |
| ROA (annualized) | 1.18% (p71 of band) | 0.85% |
| Net interest margin | 4.06% (p73 of band) | 3.68% |
| Efficiency ratio | 63.69% (p27 of band) | |
| Noncurrent loans | 0.65% (p51 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 224.08% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 21.96% (p57 of band) | |
| Auto loans | $1.6M (2.05% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 44 | |

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

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

- 2011-08-12 [Valley View State Bank blends regional reach with community feel - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVXdyM0RVd3VfT2drNnRjaGlwYk5hMUFnTVRmaTV3SWhNVVJZRzVxUVVOZlFVRFI1V2V3S1U0S1BUaS00dWV0MVpaLTlaeFhqaTYxUnNvblZoeWFWYk5penRKSl9Ja2FIelVDMnVXUDY4RkVIOUNfRnNMRTZSOFRiMDJxZTM3eXJ6eGN5Z0hFa3RkSnJHS1NZUzhFZFFJV1ZlcmF0R1U1RXVwOUE?oc=5) · The Business Journals
- 2018-07-05 [Wilbur Hook Obituary Jul 5, 2018 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9Bc0tSSF9SMW5ZS2gyRWNmOUkxeFFyaHVieTRoYjc2eGktTHE5dXM0bTZOT3RvcWQ5NFpTcnp3QXQ2YmVLeWRESGV0dndOakU4NWNaRmpvcU9SR0FTbEE?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2023-01-08 [Bill Moffett Obituary (1924 - 2022) - Lenexa, KS - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQb0J4bDVWMjV3VF9ZM0NnRTJQa3V1VXVYeDhNTzNqeFJkYzVqem5fU0l6MlJzbzVqTS1UNnZyOXZHOXRaY3BhUGlnNkFIRWFIeklxTnhQeWlVM3dHWlJkeTY5bnJKZkdCUy1CeWpNdURvS0FjOFRMR2tOa2s5UUJtUld1NXYxdldpcWZLc2h0WQ?oc=5) · legacy.com
- 2012-11-11 [Abby Biberman, David Jaklevic (Published 2012) - The New York Times](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNGFEMmhxWUFhOTVDa2EtMzVMT1lIZVd2bE5JbWkwQ19oNU9NZ3poS2NWU25kZkFLdkhFMzdWVlRwVEJSMk5pQUJGWDdzUloxMkJoWmZ5SW9zTzVfVU4zZnZNdTNycXdJcnpRVmMydENNWmFXY2I2cWtTR0FfQWhpVFRfZUt1U2Nmb3BJY0RSOG9yWG4wLWU1ZmxR?oc=5) · The New York Times
- 2017-08-23 [Deborah Walton Obituary - Kansas City, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQeFI5YUJyY2pvblBFUDZvZm9FTzdNdUtwSW5mODM3ZmZDMndzR2t6ekdsYk1vZlhmUnVWcG5XbDJIMDM3Q045cHNoeXJpVmVzYUNtbDZqZjd3QjhnMmVYVUVvUWNpTkNBSTc2QS1PUW00ZnVlVGQyd1Nha2VRcDk0Q1FrSUN3cms?oc=5) · Dignity Memorial
- 2024-06-30 [Marilyn K. Day Obituary Mar 6, 2010 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBxaWhqQzk4SVFCeVFLXzFaZnZMRVNXdUhQVUlBNXpWTlVRMWxPd3JWQkxTZE1naUtlR2lsSFdhLU83akN4RW9MQThBM0VOQm5xN0c1MlVOSGppOHZLN2c?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2002-04-23 [CHRISTOPHER WAYNE HILST, GARY MICHAEL CASSIDY - Buffalo Reflex](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcVJrMWJjR3NRYTlOZl9ibjZ4Tjk4N251WHo2Y1JRcGRwQ3FZZG1rMlN6S05uUnFBQkNrNU9XN1hzRFV0RncyV01yVDFQZTBRSEVQUlptS0dRSlZZdV9wY1U1eWs4XzhCVHFrOUlWTkpLX0FvQlN5TDNfNENPWk1SbERnNUNWbG41NEhZNw?oc=5) · Buffalo Reflex
- 2025-08-10 [Bernadine Miller Obituary (1944 - 2025) - Overland Park, KS - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMTdLai0xTVBGYnpzUmVKcUFLWWdmcV9haHVmRXR2SkJBdHQ3dE5LYXBSdUZERGluVnV3YjNvY2x5UHB1MTlpRm5VUVF6anc5eEFpSTRMeTlmd2NNRXZGTm02QkktWEYzVFdqUUp3Vm9tQ3luQ3M1NkpuXy1NUmExWGdtX2Z3MXl4QWZvRjF3X2ZaZzlJ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18072 (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/24.json (key "18072", 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