# FIRST BANK KANSAS
SALINA, KS · FDIC certificate 18431 · 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 | $618.5M | |
| Deposits | $561.6M | |
| Loans and leases | $420.1M | |
| Total equity | $49.0M | |
| Loans / deposits | 73.69% (p32 of band) | 82.04% |
| Liquid assets / assets | 29.19% (p62 of band) | |
| Uninsured deposits / deposits | 17.76% (p21 of band) | 25.97% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 0.66% (p31 of band) | |
| FHLB advances / assets | 0.65% | |
| Tier 1 leverage | 8.83% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -11.60% (p39 of band) | -8.10% |
| AOCI / equity | -1.31% (p16 of band) | |
| ROA (annualized) | 3.84% (p99 of band) | 1.28% |
| Net interest margin | 4.79% (p90 of band) | 3.91% |
| Efficiency ratio | 54.26% (p28 of band) | |
| Noncurrent loans | 0.04% (p17 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 3577.59% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 16.79% (p21 of band) | |
| Auto loans | $14.6M (3.47% of loans; DQ 2.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 126 | |

## 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 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-06 | 2 | securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2024-06 | 2 | charge-offs p90 | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | capital falling, securities losses >30% of equity | charge-offs p90 |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2019-09-19 [First Bank Kansas Names Andrew Manley as CFO - KSAL News](https://news.google.com/rss/articles/CBMidEFVX3lxTE55OEktMWhicmxsNVk5Ti02YjVGQm1aeGdiNTRQOU4yVC01NmgzazhYMXBzdm02QmlQR291Tnc5Q0d1b1FieEJtSjJrVGdaRTJIZ212UVhFRnRMaXhsd3pPZkY5QXhzMWF0eHRWenkyT3BCbTNM?oc=5) · KSAL News
- 2024-08-25 [Buer celebrates 25 years at First Bank Kansas - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE96Z3U2ZEMxVU8ydjJteTZvaFItTmFRWlFFNmo0UmNTNkxDc0hfQ1EtZWNqMDZTWHZpZld5bGhWRXRCaTEyeGhkM21xWDVCaUhBalZ6bUs4Q0pvY2lhYkpTclkwdHVXeFB5Mi0tdHhPNUszRDA?oc=5) · Salina Post
- 2025-06-06 [Man arrested for arson after 2 fire calls at Salina bank - KWCH](https://news.google.com/rss/articles/CBMiigFBVV95cUxQYTR5cmhURzlHNXpOeE5QNGs3UGNqdXVHZnphdWdmcmIwMXlIUHZEdDF0djhLcjc1YXU0UjhoM1hNa3hiOVVmdVRyVDR0RjVZTHl2djlYQnZvX1FDWXhqQzM0LWVISkxqZXpMVnJFTVp0MWdYaDBMMGFBcWd1Vld4VHJwUzhacVc1VFE?oc=5) · KWCH
- 2020-02-29 [First Bank Kansas names Schulte as new Marketing Director - Salina Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxNSk1YQ1pOVVNZZ3pPTGV4SWljVjZNRnkyQ3d2TW5IZXRCdDBEdk1kTHBjM3NBRGR2MmUzU29YOFBlZGxFWnNYbWlrT21CX0NibW1ZWm5lUkhEQ2FtZmNQRkk5VDd0aEhTX1RfVVNGRURoY3RFV2hhc25aWHZZWi0zVjJ4bHUxblo0ZDFKRWZYVTBITWxPTXVBS3BHOVBkQTRmUUtFaGs3cUVPaXdJbUZXSnA1THR1VW5PTlZqNg?oc=5) · Salina Journal
- 2020-02-10 [Foster promoted to loan officer at First Bank Kansas - Salina Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxNdVlUNTc3S0NpcFlRcllIcFpncGZCNVRSejRyVENlVWNScTJVWjFJMFdvdy1QZW9hLVlNWVoxeTNneTg0QVpTUHZObi1pdGZSYnhTMXZ5NUEza0kyZmtZLUZHamtHZ3RqazFSM0dOZmQ3ZUNzYU1NbzVBTnhSamt5WmVpdVlDM0hXa0ZoemoxajJ0dU5oeU5hZlRBLUlHRHlHQm1zNWJ5VGFCaHN2R256YTRwRU0wUQ?oc=5) · Salina Journal
- 2022-04-17 [First Bank Kansas, Advantage Trust getting new look downtown - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE0yZS1yaDR6MlNMSVFzQ0pfT29ramZGQ0FoX29hQVNVU01KOWtkMjhnZWUyRUNPRlI5S1k1TmJsMzRJSDRIbUJ6SG12WjB6OTduYUxsTHNlNkFKc1pNVjFLWVFoRXl3RGxPdVRpb3RGMDJjMlk?oc=5) · Salina Post
- 2021-02-27 [First Bank Kansas names Cody Heiman, Vice President/Loan Officer - Salina Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZlRZQVdabjZ0MUo5N3ZZU3hHQ3FRTjViMXdBMzBPYmNHeVFUOXJFLWpZVVNZRGFwWmtPYUZaNG9Ham1pZWxTa2FSSDRSOG1PMThNU3dPTUhxSk9xdWxkQmR1QzI4S1luSElrYzRxb3dSdjRxZ0gzQkNvbTNnWkJ4eE40ZENQM255cFBzT3RtOFNMek5XVFRzeXZ0aW10MG8wNGlRQ0VjUHZzdTZQekhZS3ZWVG9kMG5oRTB3WA?oc=5) · Salina Journal
- 2021-08-11 [Eilrich celebrates 40 years at First Bank Kansas - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE8yTWtOcG4tUUFMa1B6cUZ4X0JYQm1qbXJhU2NZUXNBX3hMclotMDAxS2hOWVhCekJKYkVGZWVYejVwOXpaU2FtMTlsTEgzbTlaT0JOeWFtNXIwdWJ2Z3VhakR2dEdiNVNBbzJoOXduYVdQdkk?oc=5) · Salina Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18431 (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/63.json (key "18431", 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