# BANK OF TESCOTT
TESCOTT, KS · FDIC certificate 1868 · asset band $300M-1B · 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 | $648.3M | |
| Deposits | $574.3M | |
| Loans and leases | $489.5M | |
| Total equity | $67.1M | |
| Loans / deposits | 84.11% (p57 of band) | 82.04% |
| Liquid assets / assets | 22.67% (p42 of band) | |
| Uninsured deposits / deposits | 22.17% (p37 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.77% (p32 of band) | |
| FHLB advances / assets | 0.77% | |
| Tier 1 leverage | 10.62% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | -9.59% (p45 of band) | -8.10% |
| AOCI / equity | -1.68% (p11 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.28% |
| Net interest margin | 3.78% (p42 of band) | 3.91% |
| Efficiency ratio | 52.41% (p23 of band) | |
| Noncurrent loans | 0.08% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 1572.88% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 18.03% (p23 of band) | |
| Auto loans | $3.8M (0.77% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 75 | |

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

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

- 2026-05-19 [Lightning caused fire at central Kansas bank - JC Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE1iMmlXVElYdDlHcWNVRWlPRWFuOHlZX1Nhc25DMkVOU0VsNVdCZ1R0SjNySkVZSnUyS1BCREJYYVMzNWc2S3RUVHc5X1BVNkxEUm82VFNiNDVfaV9uTDY2aFMxWlhSZkFBVzk2TmtR?oc=5) · JC Post
- 2026-05-18 [Lightning strikes lead to multiple structure fires in Salina - KWCH](https://news.google.com/rss/articles/CBMikAFBVV95cUxPRzk5ZGZSNmpYUEhEYkRMMllHdzVDN3JTalJzREd0UFduTUpETnlLTWVmREJJSGVzSE5OZTdPSHg4eGhScVBJN2p1U3RENUJSRk1ISUF0NnJxN2RjX2t4ZTBqYkI0OVB4VUNKcVpCU1kxZVB1ZHNXUjY5Uzl4Mm1DVlpHYUtGT2xvak1jZE8wTWTSAaQBQVVfeXFMTmtUYzF0MGxNSlFBRFVMYjNLZk02M0F2VTlMaW1TT1NTY0lHRmU0YXQ1ZnNfUlU0eUlIbkdmbkpGRkJQamxMN3FzS1E4UVJWZ1cwTDdkcjd5OWo0NkxCV0hjeXF2c05jYVpDRXZrbmlnSGJkTFBZVjdBdVZRNlpmV2RfM1Y4WU45OW8xcml2aHMwVW55RjltOVlGNk5Gd2Vqc3RmY2w?oc=5) · KWCH
- 2026-05-18 [Overnight thunderstorms ignite fires in downtown Salina - KSN.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1EMEhrU01wMG1ReXpndHJIdzg5cXhFbzZMQm85SkFhVDZzNHh5UU5Vd0hiOXNKUVBKVXBuclBYMkhTNDh3MzZfc2NxQ093Q2FfbzNGSnRfS1BYV1JMeEhOZ1A5eU9KOXNrek5peEZMS09CSDNYTUNZ0gF8QVVfeXFMT3ZjSkh3bzZSbGcyUDVDOGY2NXF6dC1DMnI3Y25lOXBmS2J4NDh6UkdweFZTUmw1NlY1TWFmSlpvWElfaUx3UUs2TWkyVXBnRGdRZ2tkVzdmMk43Z3NNOEF4YmM5TWlCaGl1cjdCbTRrNUpBWFpVaUJzRkVaMw?oc=5) · KSN.com
- 2026-05-18 [Lightning Causes Two Fires - KSAL News](https://news.google.com/rss/articles/CBMiXEFVX3lxTE81bkN6aU9QeUZQRnZHT1RWMk1mRTFod2dkMlpUZjZrc0ZUX3hKT2N0MTdGcU5TRHhvajZ0VWJwWjk3RVZ5a0VybThweTVyYmhTZGRJX3pzaXY2MFFF?oc=5) · KSAL News
- 2026-02-26 [Salina announces date for annual fair housing seminar - Salina Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxNeU5MRzI1aFhMZlVOcTdtTVdSOHh6VG1YNWdhcGZ1MVlMZ2x0NlNVbkZGWkx5S05nUVhYMkRxT2RINEQxZ2dKeFY2bC1ncldGc0p2eExvT2Vjcm9hQ0RJM19FMGpITmtoTVFfbXZmTXZmS3NDVWJyNDFiazJqZVdHNDgtQnB1dTExNG02Qmd1VlNuRHFheTJySmY1XzhUVFpKdDI2SURSal9JblVhNjFpWXdSVEZkMnpfMFMzaA?oc=5) · Salina Journal
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings
- 2024-08-27 [Berkley family receives 'Century of Family Banking' award - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBKR3BSb1hGS2pENUZYa0t2VEtxdHcwdUFQTm03TUpTWUtJUnRCZDc3ZVNES2x3M2lzQVNxMGt1SXBYcmF6bDQtQnltOW5Udm5kMlFSczJIakVOdVBJU3NUbkJydkhFRjJja2xITTlfXzFYclU?oc=5) · Salina Post
- 2026-08-20 [The Main Event: Community Meal & Music on Main Street - Ad Astra Radio](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNWM3S2JvMWlTcUNJX1ZsU3BURHNwRHhBdzhjY0FwQ0tFVzRCYzNOWDJUNFpCNS1oZFBkaVVTN25GakI4a1RqZjBqMUhUV0dRUGV4Z3hjY2ZJMURfQWZQWk1LdDRlcTV4VWJZeWdWUGVuX2llMVBwWE9kTXBXeHhvX0toR3JsaFY0V2I3eGRkWmc?oc=5) · Ad Astra Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1868 (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/12.json (key "1868", 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