# BANK OF THE PLAINS
PLAINS, KS · FDIC certificate 18118 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $445.6M | |
| Deposits | $390.5M | |
| Loans and leases | $317.9M | |
| Total equity | $43.8M | |
| Loans / deposits | 80.21% (p46 of band) | 82.04% |
| Liquid assets / assets | 24.10% (p48 of band) | |
| Uninsured deposits / deposits | 28.04% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.91% (p40 of band) | |
| FHLB advances / assets | 1.91% | |
| Tier 1 leverage | 9.30% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -5.10% (p62 of band) | -8.10% |
| AOCI / equity | -0.43% (p45 of band) | |
| ROA (annualized) | 1.77% (p79 of band) | 1.28% |
| Net interest margin | 4.46% (p80 of band) | 3.91% |
| Efficiency ratio | 53.21% (p26 of band) | |
| Noncurrent loans | 0.44% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 339.96% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 82.36% (p79 of band) | |
| Auto loans | $2.1M (0.65% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 78 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | assets shrinking |  |
| 2014-03 | 0 |  | assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 5 | NIM <2.5%, noncurrent p90 |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 6 | losing money, expense ratio p90 | NIM <2.5% |
| 2016-06 | 2 |  | reserve under noncurrent, noncurrent p90, losing money, expense ratio p90 |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 4 | losing money, expense ratio p90 |  |
| 2017-06 | 5 | uninsured deposits leaving |  |
| 2017-09 | 3 |  | losing money, uninsured deposits leaving |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking |
| 2018-03 | 3 | capital falling, losing money |  |
| 2018-06 | 2 | NIM <2.5% | expense ratio p90, losing money |
| 2018-09 | 0 |  | capital falling, NIM <2.5% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | wholesale funding >15% |  |
| 2020-09 | 0 |  | capital falling, wholesale funding >15% |
| 2020-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 3 | charge-offs p90 | capital falling |
| 2023-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 1 | uninsured deposits leaving |  |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-11-21 [Bank of the Plains transition coming - Great Bend Tribune](https://news.google.com/rss/articles/CBMigwFBVV95cUxPc1lMbXVrWGNvcEVuX2VKWlNKeVdVYmswWUFIZ2ROZzdVd0hZRFNNSEZGVG1qdF8wYzFBWS14MlZPX0NsZnplTTBfSjZBXzZWU1dSVG90Z0p2RHJlOTg2NTQyTjZEYzhZY25TRzgwVkZlanl3YllPaWtxQjNPVEFZdmlxUQ?oc=5) · Great Bend Tribune
- 2025-12-18 [Dream First Bank BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxOS1FIQzk0dzRhdzFJajZpVXBwWUtYMFItVVBmQ1Jmcy14YVRZOUp1QmJnU2d2ZXowRldDZU9lT0pzc2xScVlPbXczWW1qdGJETzZOcmFyMDhyZmZ5N29pcFpzRjB3Q1Z4bmNNWTJ3T2ZOUXdKV2RLY1F2OC1IR3g2TXFpUWluUQ?oc=5) · The Business Journals
- 2026-02-17 [Dream First Bank Opens in Lakin Serving Southwest Kansas - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxNcUkwQTlDd1FfVVdLejVpUVFfQ2k2RE1iX3hQRXh3X2FnYjYtS2hpWFdLYmpNbzNuQUpHQTFhczZodmFOb0V3eWJkZGRmakE0WnZBc2tUTkx6R19KTm1nZU9nVkVXTFppMWR0bEhsV19tVmxreVZMNGVubkNGRDFLX1lJQ2xVMlVZOGZjcERGVlVXdnR4OG1HbmZpTVJBV1lHaEdZd2NoUm9hd194WVlwNDRlTQ?oc=5) · Business Wire
- 2024-09-17 [Call to become Bank of the Plains President - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE1KbDRCcC1LUlZMVGZFZERiUm5VQ1YyeDdhejFjTjEzVDJBeDIwa0sxRWZ1NThKUERETXlmVDlua2tZaHpyaG5jRHlzaVZ6eVBHY0VHQ3dic3BTVWdPTXNXWEZ3OUFTY3U2NlF2NG9RTm9FZw?oc=5) · Hutch Post
- 2024-09-12 [Bank Supports Altrusa Literacy Effort - KSAL News](https://news.google.com/rss/articles/CBMia0FVX3lxTE9wZ0Z5cExhdEczV25ZekdfQjVZRWlaaGxMdzVuZG9uMk9oTHJvRHV0bHlwenlCVnpGZThZY0tBMUhnSVRwdld4ekN6anBrYWRTM1lvdVp5Slg4UlNxZWpCZFQ3MVE3V3lLVl9z?oc=5) · KSAL News
- 2023-05-25 [Plains State Bank and Alden State Bank to merge - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE9JbHJpc0JvdkJfeEdzZEFKdnFqa3Q0Mkp6T3lObWthbVVSRFJCVzNjTXVnSEJpYV9mdnd1WFVDbjk1OUg4cEZRV04wMlUzTDhTak1maDVfUXB5VXBNUGxuN0xsb2hzeXRDeTAwVmQzSGhidw?oc=5) · Hutch Post
- 2024-10-16 [Google Wallet adds 17 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeVVkWkxXV2lsbXRJMkVNVVBlZjFpMy1semFrRjdNc1JYV2pROS1TZ0pNaGU2U1RtUkhEYVNCYzVyVlJjT0xWN0Zoc0NBbWF3S3F2OTFCVkFDaFdzMGVJOEZPdXpjOTRReTRvWG90am8yNjBJcDdwLWc3Y29XOUhra0FqUklUbUNUSGc?oc=5) · androidpolice.com
- 2024-10-06 [Wilborn joins Bank of the Plains - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE5aaGdVaG9xeW5ja3J4OGFMZG0yQk5ENTZMa1VlS2ZwZXU0TTZGaUZ3Q3ZPZkdZeVhrNHJNeHlnWjRscmtSSHpyUlZwX0c3MU1sdjJINUdKR3ZMSXc1bmdmblFSWEp2T09jRDVaT0FoT1RnUQ?oc=5) · Hutch Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18118 (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/6.json (key "18118", 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