# STOCKGROWERS STATE BANK
MAPLE HILL, KS · FDIC certificate 18165 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $128.3M | |
| Deposits | $94.9M | |
| Loans and leases | $88.1M | |
| Total equity | $14.8M | |
| Loans / deposits | 91.47% (p82 of band) | 73.59% |
| Liquid assets / assets | 27.70% (p38 of band) | |
| Uninsured deposits / deposits | 22.49% (p60 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.11% (p90 of band) | |
| FHLB advances / assets | 13.25% | |
| Tier 1 leverage | 11.58% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -5.16% (p56 of band) | -6.57% |
| AOCI / equity | -0.96% (p29 of band) | |
| ROA (annualized) | 2.55% (p94 of band) | 1.17% |
| Net interest margin | 4.46% (p75 of band) | 3.93% |
| Efficiency ratio | 41.20% (p4 of band) | |
| Noncurrent loans | 0.13% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1141.03% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 16.91% (p49 of band) | |
| Auto loans | $1.4M (1.55% of loans; DQ 1.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | wholesale funding >15%, capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 1 | wholesale funding >15% |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | charge-offs p90 | wholesale funding >15% |
| 2019-03 | 1 | wholesale funding >15% | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | wholesale funding >15% |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 1 | capital falling | deposits shrinking |
| 2023-09 | 2 | wholesale funding >15%, deposits shrinking | capital falling |
| 2023-12 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2024-03 | 1 | wholesale funding >15% |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | wholesale funding >15% |
| 2026-03 | 1 | wholesale funding >15% |  |
| 2026-06 | 0 |  | wholesale funding >15% |

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

- 2015-10-09 [Stockgrowers State Bank welcomes new staff - Osage County Online](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1wQVhaamtFUGFQSi1YcVdaaDhmZUxFLXVIYnhNX08ybUJ4aER1Yl9yWkdOeEhkeWVEcDJFMXUzc2JTU0p5Z1dlVjBLMzEzbzh2S1NVRkZUcTFGOG8?oc=5) · Osage County Online
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2025-12-18 [Obituary for Paul John Tracy - Palmer Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1aRnpnV3VuQUNNNklVb0ZYVzZ0RXJZM0dVVXRpYXBwMlVxRWM0UEY1eldUX3lJUEY2UE9QV1BQenNRSGRUYXBaczBuUFFrMmJpZGUzS0lnNGhsZVZydG02eTROMWc?oc=5) · Palmer Funeral Homes
- 2025-12-29 [Max Fuller Obituary Dec 29, 2025 - piperfuneralhome.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTFB3VEpCRnNFR0dlYlU3X3gxLV9UaWY4NDJuTnEtek52akJCQ1BxdjNMV3VMNHZSbGV5Ql80UHUyLU5JNGJTVl9heUVrNmVsbEVMY215akZrdUUzNVVhQ1V2U3ln?oc=5) · piperfuneralhome.com
- 2025-07-31 [Joan Martha Bronaugh Obituary Jul 31, 2025 - Campanella & Stewart Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBoZVVXUm1XbkxLczRheC1CVTY2WHRDWmxVOU5DZlN5TThWT3Vxd1k2ZWpSVDBrNmRhajJoVHNZOXFDdmJTNE42ZDd3ZGI3dDdzTENKajdLYlExaDJVUGloWnhOdFg0bTlPbXc?oc=5) · Campanella &amp; Stewart Funeral Home
- 2016-01-18 [Kirsop joins Stockgrowers as vice president, senior loan officer - Osage County Online](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9FemVSU0dFNERmbWFaTWkxV1YyME5YbHJLSHdPMnk3RnVvcG9HNHhnRTlVcnBVVW5YRVlEbElEMUxESTd1RGt6NWZudmNVWFBTUHpKSUJndVJ3a2M?oc=5) · Osage County Online
- 2017-03-16 [Clark County devastated by biggest wildfire ever, but residents aren’t giving up - HPPR](https://news.google.com/rss/articles/CBMixgFBVV95cUxPTEtHZHpSQ2ZkZGdZNV9rTkpVNDE0cmNLQnRudmJfa1FNTDd0TGljVjMyR2R1Tlc3b3ZQallKczJjbndrSG40d19zZzVpeXd5aGxjQk9QXzZiZ0x4NmhVYk5sVmFOSGpLUmlVS2ZPU0VOekRiOHNNb0k4c0pqaWhZa2JNcmNxWHRNN081Nnp5UmdPUEFaWmZoOUxiMHlSMExrRjJVREotOW5ULTNwUFhqVWZ0U3l4RzBCM0tZOWM0dEMwVERoeGc?oc=5) · HPPR
- 2011-07-28 [Grand Champ steer draws $1,600 donation - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWURNZ1lKRnhRUG1EcTdMYUc2elhCM191bElSRHJzeVIwdUtUQlBxdFVjTjk1NG0yMS1jRFVIUlJWclVDRzNHcTUzZ3poc1pLVDJnMWVpNm9lMzNNX3puWU9HelRGVUxaYW95U09TSWxsYk1sX1Q5NmN6Z3VUV2dwR010TWx0bm9wQWZxTmtxSVhFbWx5VkwzRVRLLUNhdy1rZUJsemNR?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18165 (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/53.json (key "18165", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide