# TRICENTURY BANK
DE SOTO, KS · FDIC certificate 18109 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $213.8M | |
| Deposits | $135.1M | |
| Loans and leases | $178.9M | |
| Total equity | $22.9M | |
| Loans / deposits | 131.04% (p99 of band) | 73.59% |
| Liquid assets / assets | 12.06% (p6 of band) | |
| Uninsured deposits / deposits | 13.15% (p25 of band) | 19.81% |
| Brokered deposits | 2.98% | |
| Wholesale funding | 28.71% (p98 of band) | |
| FHLB advances / assets | 25.73% | |
| Tier 1 leverage | 10.76% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | 0.14% (p99 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.68% (p76 of band) | 1.17% |
| Net interest margin | 4.09% (p59 of band) | 3.93% |
| Efficiency ratio | 42.54% (p5 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 | 91% | |
| Construction % of loans | 15.26% (p47 of band) | |
| Auto loans | $112,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2012-09 | 2 | deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2012-12 | 5 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 4 |  | capital falling |
| 2013-06 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2013-09 | 5 | losing money, uninsured deposits leaving |  |
| 2013-12 | 3 | capital falling, expense ratio p90 | deposits shrinking, assets shrinking, charge-offs p90, uninsured deposits leaving |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | uninsured deposits >50% |  |
| 2014-12 | 2 |  | uninsured deposits >50% |
| 2015-03 | 3 | loans exceed deposits |  |
| 2015-06 | 5 | wholesale funding >15%, liquid assets <10%, capital falling | expense ratio p90 |
| 2015-09 | 3 |  | losing money, liquid assets <10% |
| 2015-12 | 2 |  | loans exceed deposits |
| 2016-03 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2016-06 | 1 |  | wholesale funding >15%, liquid assets <10% |
| 2016-09 | 4 | wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2016-12 | 3 |  | liquid assets <10% |
| 2017-03 | 4 | brokered >10% |  |
| 2017-06 | 4 | uninsured deposits leaving | capital falling |
| 2017-09 | 4 | liquid assets <10% | brokered >10% |
| 2017-12 | 6 | brokered >10%, deposits shrinking |  |
| 2018-03 | 5 |  | liquid assets <10% |
| 2018-06 | 2 |  | uninsured deposits leaving, brokered >10%, deposits shrinking |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | uninsured deposits leaving |  |
| 2021-06 | 5 | liquid assets <10%, deposits shrinking |  |
| 2021-09 | 3 |  | liquid assets <10%, deposits shrinking |
| 2021-12 | 3 | capital falling | uninsured deposits leaving |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 3 | liquid assets <10% |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | liquid assets <10% |
| 2026-06 | 2 |  |  |

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

- 2021-11-16 [Town Talk | De Soto-based bank to expand into Lawrence with location along Bob Billings Parkway - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPMFpyUnNtS1ZQTG1FUmR2eUFkZm5EZGt0eHdpTW16YnNXdXp1SDlMM0F0LUdYbDhmV2wzdVM4Yjl4eVdNRnlBUm9uaXR3M3VlYzJ0akNYMDVMYjA0WGRyZS1ONDVGZjJaTkN6ZFBwMFY2endJUmxCdTNPU3JiN1owbEpzV0JTVTNPYTY1dXFlTFlvcDlrN19sNlhHSWI2VlpQX2JrSXdjRXRWVmtNM1JjUUluTk8wUmdhU1ZsMzhmVkx2dzBSZnAweWREMjZaeFVaUVpJajF3?oc=5) · Lawrence Journal-World
- 2026-03-24 [Here are the Kansas City area’s five strongest small banks of 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT3B5WFJSM2lfS3RVU2swU2FmWDVVLTZyVy1ab0hiOERpR2JTNVM0Zi1jUTE4LXJfNGg5YWpESmpEZFVMZVc2dklfcVBjcGg4TFRLNGwzQ0gyclF6SVRsLXctR2dITGNjU3JCY0tfVVFmY2RNSDNHSWpVVzVBa3VqTUlvUi1hSkJqS2lrbmRsdkhaeGFNa3Y1RG8tUDlUaDZxN1hlY2p5LThTWGdj?oc=5) · The Business Journals
- 2025-10-22 [These 10 KC-area banks see loan portfolios grow the fastest at midyear - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU0htYlFDX2F6RjV3MjZpd3Nlc2lZaHYwQS1Wd2ZvY3dneC1Ea1RoUkQ0ZUNPVWoxekg5WVFLdnN6Y3RvajE4UE9PTXVIRzJYLTNFRWgwS1BJUnZpaVQybmlabDJJTnNDYjhSWGw0RzFSTVZIQUlDMlVvV0FhQlRhSkhNcDB6YmdhR3JiaVV0Ql94RS14UFhyNC12N2paVkNjdG1vbEhUTzc?oc=5) · The Business Journals
- 2024-10-04 [Lawrence bank deposits have grown at the fastest rate of any metro in Kansas; a look at the county’s largest banks - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNLU5MdjF6RVg4NldIUTdlN3JEOV8yeUpaNE4zZ0JsRW53TDZ2TVVuU2VQZG1YN3J5aGZOSDN1a3VHN0VQTkpKaU5iUDJKdERMSVhhUGV2Yl85RXlra1lzNktac2ttVi10VUZDZFUzRzhoU1JINVMtZ3FPLXFwZVRZVXg0TUp3MlBnMWdQZmFtVzJoYkpxalRIZDVFeGM2RDVZeG1JOE5UbDk5QS1pdGtrQjNyb1pPaTNoVjVmSGEzUXlsZXIxLUtEZW9iejlHQXNxLXVNUFJjMjdrWExQRkRLWE13cmdYMFg4aHk4SExzUHk3b2dhMFFKUWJMTTE?oc=5) · Lawrence Journal-World
- 2022-04-10 [Thurman L. Duncan Obituary Apr 10, 2022 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTE41Xy1yazNNeXN6ejN0M19od2V1U2d5Yk4zWGF0T3VpMmwwMVo4SUVoTnFPZ3UwS0VnNEt1UHJiTE15SDQxMnkzazR0VDNvZDVFSUVtZmZZdzZZTGZ6OVpVSl93?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2014-08-05 [TriCentury Bank will enter Kansas City market, move HQ - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVkstNVR5TlRmUjNvQk9CaGdiTXdmUmRYNDNjZGNFT0w5RkxhN1VHdVRPaEctUE9iMFAyM0lEMm16NHhhQjlwNEl4eTAxZUZKVlNJSEV6UkJOZDJKRXVrbHFuRFJkbEdoaHFwek16bXZPdk5UajdiVTh3emRYOFNYbGxvcmxDbWVNZ1p6ZkgyT0xRTDI0MFpTekxmLUhQSWtlVW1xZFdyQ2JHWXlrdE13?oc=5) · The Business Journals
- 2025-10-03 [Town Talk | Western Kansas bank enters Douglas County market, plus new report shows the biggest banks in Lawrence - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNQk1hOFpNd0RlUVFqQkpab1ljZk9vRml2UV9hejh4azdaVHBfSGdRSnE2NFAyR2ZuVGNHWWI0Z2czbjRQV1JLY1NyeWZwWkZNUGVUUl9CVWp0WXFKblhPY0R3alY0SU11MVFVS1g5RzhLbFQwYnlPTjQtRnBwalJrRDNyRGx6dEVSMUlWMF9oQlFLczREeEZhWlRlMzQyNFpDRWJGOXZPend1MHBGOE1aeERZd0RaYzFheFBJaW1NSElMbEhpWDdfcjV3d21wOU9WNW1UQmRUNm9Zb3pyNEViWjV4LVdsVFZWaTVfZg?oc=5) · Lawrence Journal-World
- 2025-03-31 [Kansas City’s five strongest small banks based on year-end numbers - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOamRNRUxhbG5EcWk3Um5UdWlJMXhpWklEZUl1Y1ZhM05RUHlSSEFvZXRaeWhHTDBIR216NHlKZXppcldaWlIxVHVSNVh3dnJ2S1BtTUJwY0NHNmhEeVFwejBhTF9BMEk0X2pJSEh0RVRmemVHeWhtYlNNUjlITFlpckNJRHFtcVZUNlI2V0o5a1ZmWkNNV2IzTnFlTkNtSVE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18109 (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/61.json (key "18109", 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