# FIRST KANSAS BANK
HOISINGTON, KS · FDIC certificate 18474 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $294.4M | |
| Deposits | $275.2M | |
| Loans and leases | $134.6M | |
| Total equity | $18.5M | |
| Loans / deposits | 48.14% (p18 of band) | 73.59% |
| Liquid assets / assets | 53.11% (p81 of band) | |
| Uninsured deposits / deposits | 37.98% (p91 of band) | 19.81% |
| Brokered deposits | 3.38% | |
| Wholesale funding | 3.38% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.35% (p5 of band) | 11.76% |
| Unrealized securities loss / equity | -33.89% (p12 of band) | -6.57% |
| AOCI / equity | -4.99% (p1 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 3.04% (p14 of band) | 3.93% |
| Efficiency ratio | 48.12% (p11 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 11.37% (p40 of band) | |
| Auto loans | $1.9M (1.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $297,000 (2% of equity) (p97 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 0 |  | NIM <2.5% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | NIM <2.5% |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | AOCI drag >20% of equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | NIM <2.5% |
| 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 | 2 | leverage <7% |  |
| 2021-06 | 0 |  | capital falling, leverage <7% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | capital falling | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-05-29 [First Kansas Bank announces Martinez as new Assistant VP - gbtribune.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNaTkyVnU1VkVYZ1VSS0txSXJKV1J1QWZ1UmpaTks4QUNtTldyOUd0RzFueDIwb2VDMUgxaHQwOVcwWlVRNHFCdm5jVzZUZ3ZmZm5JQ3Z1WU5JR2lkeWFfZm9adFZ6aDVFdHdscVFmcFpnQXVkZWR6SjZRSDNhRTVna0RwSEQ1bmVxN2xHWHg2WVFBczJLckRiV3U4cU1HZw?oc=5) · gbtribune.com
- 2025-03-01 [Paul Snapp named Great Bend Chamber Citizen of the Year - Great Bend Post](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZR2JXYjFMQ3o3QmlzQ2t1Vjl0YzhjVEZINmhId0tBYXc4Y3F1UkVOTFQ3VUJyZGlfNmlfU05mVEhWN0s1UEdxZ0ozdmlHSjIxSXktR29xQ2ZLbzdELTZLM0RtZXFNZmxXZFl4Ml91QlE2cllmV1dr?oc=5) · Great Bend Post
- 2020-12-08 [First Kansas Bank to acquire Lorraine State Bank - gbtribune.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZTVSNnlUcGZhdnEwTzA5b0FnTE8xOGpCQ3l4TFFkZF9LUndTNzNFTEMzZE1RQ0c4X0g3NWxfa0FyZm9USnYtTFlSYk5XMlJpMGdPSjNaRW9RWkJiUGlKSF9sNmZLNUMybW1YOFRJWGlLMGdONTBaV1FRTUJqVXlMVjZsamRMcVRUdk1hdHdJZw?oc=5) · gbtribune.com
- 2014-02-11 [Eric Schoendaler joins First Kansas Bank as Loan Officer in Hoisington - gbtribune.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNLVppYjNweG5EejNPRWZkQnQ1ZlZ1bld6bllfSlFfMEY3ckVFQmVHaG0wcjdjS0dyOXFqX0Z5aGRnM0ZGVlh6RUt1ZDhITWtnRC1EZ0V6cHNxRmV4M1N0cDhjMHF0cTRzTGR5MXN4bVBRRnR4a0pRY0FKU3VSNThGUl9QVEdqd05JLXB6cjhjZGRYZzRlUFBBU051b1hsZHBFQUVHVVNrcng4TTV3U1dTOA?oc=5) · gbtribune.com
- 2013-08-15 [Teresa Hickel promoted to Assistant Vice President and Operations Officer at First Kansas Bank - gbtribune.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQZTZYemhKWDlydURkeHJMZ1p0c20zaDVEN3lUYktKS2RMd1I4djQxVEk5TkxkcUh4ZmlMMjdJZk80UGZwam0wbnhsUmlhSFNVSHppOC1Da0FQYl9TWGk2R3Npa0lzRkxlM19OcEZ0SkgyTWxnRElZdktyWk9VLTdyUXI5X3hTamthTUVNSW5lUjkxcmtMZWd5LVF0dGlIX3BNemtXU0tuWGhzZmR6OHZ1QzFkYkpZR1JNVjhiMVJYS0ZYV1BtMmZhcWc0Q3h6RFdX?oc=5) · gbtribune.com
- 2017-11-10 [Jay Luerman promoted at First Kansas Bank - gbtribune.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVUJudEFMaFNUZXNyQzZfemlVQUlyeGVsLUk4X2dldUUtaDFvOFB1Y1M4WkVOSFg4cTMzcHdTc0VHdlhYbEI2dmFVOVI2bEFSN2VLYjdBOTZWYzk1N3V3eFktcHdEbXJqR0t6akRkSmV4VHBmOUhqTFdpU0Vjem1Od3RhVV9YblZtbWc?oc=5) · gbtribune.com
- 2019-10-11 [Kendra Brummer Joins First Kansas Bank as credit analyst - gbtribune.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQajhkNkJ1LTYwRlRHSlZOUGs0VS1KcmVfUDJDSHgxTmJWWk8tekIxUVJYdnpudF9INHZVS0kwdlNtQWZlb0Itd09UZEdEdjJiemtPNUt6SjNuMkhHOWYzcGt3VjBxRnVZQVZDWHRnV2xqNjNnQmFXamhvb192YmVvQ292c3FkYnlGaU9wVzZlNDJJZFVja0RJVFpB?oc=5) · gbtribune.com
- 2018-10-27 [Perla Hernandez promoted at First Kansas Bank - gbtribune.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRVFWa1c4Ung0Y212cl9ZRC00Xy1pRW9leHBxMzFNc3hKc0kyWnBKLUhPb1l0Sk9PaDlfUXBxQ0d2aDQzZkdkVDZpbWltVUVhSGZPdS1xc0Nsd3ZkNXdXYUM2OWJkdmZMVVJXdXoyQWU3MnZxVURWaG5sWVFTNmpiUGU5MzhTbzNja3Bv?oc=5) · gbtribune.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18474 (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/42.json (key "18474", 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