# SECURITY STATE BANK
SCOTT CITY, KS · FDIC certificate 18374 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.03B | |
| Deposits | $727.9M | |
| Loans and leases | $761.0M | |
| Total equity | $111.5M | |
| Loans / deposits | 103.55% (p91 of band) | 87.10% |
| Liquid assets / assets | 21.35% (p50 of band) | |
| Uninsured deposits / deposits | 13.32% (p7 of band) | 30.76% |
| Brokered deposits | 10.71% | |
| Wholesale funding | 28.84% (p95 of band) | |
| FHLB advances / assets | 18.12% | |
| Tier 1 leverage | 10.23% (p43 of band) | 10.50% |
| Unrealized securities loss / equity | -5.52% (p61 of band) | -7.75% |
| AOCI / equity | -1.67% (p7 of band) | |
| ROA (annualized) | 1.39% (p62 of band) | 1.26% |
| Net interest margin | 3.61% (p43 of band) | 3.70% |
| Efficiency ratio | 46.76% (p16 of band) | |
| Noncurrent loans | 0.26% (p28 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p74 of band) | |
| Reserve coverage of noncurrent | 378.52% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 34.46% (p35 of band) | |
| Auto loans | $19.0M (2.50% of loans; DQ 0.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.2% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling | charge-offs p90 |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | wholesale funding >15%, capital falling |  |
| 2014-06 | 2 |  | wholesale funding >15% |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 4 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2015-06 | 2 |  | capital falling, charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 2 |  | reserve under noncurrent, capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2018-09 | 4 | capital falling | reserve under noncurrent |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | securities losses >30% of equity |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | brokered >10% |  |
| 2020-12 | 3 | charge-offs p90 | securities losses >30% of equity, brokered >10% |
| 2021-03 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | brokered >10%, capital falling | uninsured deposits leaving |
| 2022-03 | 3 |  | brokered >10% |
| 2022-06 | 3 | brokered >10% | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | capital falling, securities losses >30% of equity |  |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | charge-offs p90 | loans exceed deposits |
| 2025-06 | 2 | uninsured deposits leaving | brokered >10%, charge-offs p90 |
| 2025-09 | 1 |  | uninsured deposits leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | loans exceed deposits |  |
| 2026-06 | 4 | brokered >10%, deposits shrinking |  |

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

- 2022-01-14 [Security State Bank & Trust names new CEO - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPeWtwTGgtYkJLeFVZYlphTEhRaW5mNkdsQnhycy05NWlMNXdncjItaTVwakxDaGpFOGdBLTlFdVUtS1VOOUNaS1h4MVByaWkyeWl5Q2UwTHJvMENpbWlabTljRWVTZmhWUFczMzdodi1oZVZFdnhwOGdNbWh5MG5JdzRZdWhYLUY2bUFNVW14Z3hiQmp5cjF1N00tS3gxVWtCbXgwRGJRWTQ?oc=5) · The Business Journals
- 2024-11-15 [Native housing crisis spurs record $5.3M in FHLB grants - Tribal Business News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZDVQMjFZbzZscXBTVlZ2S09wbElsc2NQNVlkMGM1NnBUSzBjSWVnQUQ1V0RCRWk3NGFsM3JyLTAzU2ktUXppZC00YWdJMW9sb285Xy1rTmZzS0dzdkZwSGxsVjFpME1GNlV3SGRhbExDUWtHNXg1QmoxSVhVTU5TRkFrQ1lwVG9pUnRBZ2xnY3JNSDY3Y0pXNGltakRZZlluVGFkNzk4ZEdJUXMzNmhRZThn?oc=5) · Tribal Business News
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2022-10-25 [Help wanted: Security State Bank full-time teller/customer service representative - Sumner NewsCow](https://news.google.com/rss/articles/CBMisAFBVV95cUxOTnIwaGJ3M1FCT2JHaUJuSlp0TU1EcUNwbTZjVXZFZUplenpDU2xQM3dTM1c4UV9DSzROdmNKWWhPaHBYSmNMNG14WlRBQkFaVk9HY1o5OXMyMXNqc1FlSld3QkZHaUpkaUg2UnQ5VUlwVXFqMDhkQnVVTTNoVHpyd3JCTjl3NnR3Y3hGdURvWjZQeFYwTWg3WG04SzluRW1wSkw1WHh1YzFHRlhIS2FJOQ?oc=5) · Sumner NewsCow
- 2025-09-24 [Pat P. Drew Obituary Jun 6, 2006 - Helms Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE44S093d1h1aWRoYTVQZl9IRHNBN1VuR21UMTl6NkluckhvdmhfYkVpR0FpX2k1QzI5TkJ6anRVenhDUW1xYTAySHpHeFVRSjdKMlVxUWI4Y1RNY2ZfOGQwaWtyVQ?oc=5) · Helms Funeral Home
- 2017-01-25 [Security State Bank’s Bustraan completes lending school; Sisson now Wal-Mart branch manager - Sumner NewsCow](https://news.google.com/rss/articles/CBMivAFBVV95cUxOdHVTMXRNNlowZlU5b2RTa1JncUUyWnVKMnUteUZ1cDRHOGZpYnNrWG1fNXB1eFdWbENfWG5tZDRyRlNVVTdQajFtOEJ5U2J6NkM5aWl3VXY3c1NoZ3FxSUcwWnZIbzh5bHRvY2dHd1V5U1U4bDlDQTVTam9mYjVDQjA5TklOVEJKLTVvdnREOXBNeTMwUmZVRnlqOG1FZ0EtZGE3VG56N0VNeWlwbWdIRGM5Q1NUQ0IzeFRsSw?oc=5) · Sumner NewsCow
- 2011-07-17 [Rolla Lusk Goodyear Obituary - Visitation & Funeral Information - Kevin Brennan Family Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTFB3QjE0X1pYMVQwUmFFcFlEU0NLYW9sODVqN2RZN2trZ1pBcEtXRGVOcHRiRlVLV3pJbUFSNzBZczZOS0hjbWtibGJ2ckRzbHVnODVYVUZKVWVkRWp4VHNPV01Vbl9DZ1hWWGtkRE51ZWNPZUlfQnJaZw?oc=5) · Kevin Brennan Family Funeral Home
- 2017-11-03 [David Duane Foland - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxPbzR5ZE9KQ2pETnRMZ2xsMUdFRlR2bDByelVPc0ZLLW9yRVNjY21VaWVfQ2NOeDNldG55QVN0Sk1ua3BzS0FjUHVoVmttcDdaQUtrS3R4RkNYa0N1WmpiLVBxMDd0eXNrUXJ3alpyLVVMV1ZLRm5DVkViVm5tbW1VS2ttVTc?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18374 (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 "18374", 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