# BANK OF LABOR
OVERLAND PARK, KS · FDIC certificate 1874 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $1.11B | |
| Deposits | $1.04B | |
| Loans and leases | $365.9M | |
| Total equity | $51.2M | |
| Loans / deposits | 34.64% (p3 of band) | 87.10% |
| Liquid assets / assets | 63.79% (p98 of band) | |
| Uninsured deposits / deposits | 15.63% (p10 of band) | 30.76% |
| Brokered deposits | 25.38% | |
| Wholesale funding | 25.96% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.99% (p3 of band) | 10.50% |
| Unrealized securities loss / equity | -91.86% (p0 of band) | -7.75% |
| AOCI / equity | -3.30% (p2 of band) | |
| ROA (annualized) | 0.91% (p25 of band) | 1.26% |
| Net interest margin | 3.55% (p40 of band) | 3.70% |
| Efficiency ratio | 69.28% (p78 of band) | |
| Noncurrent loans | 3.15% (p96 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | 45.72% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 88.36% (p82 of band) | |
| Auto loans | $900,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 | expense ratio p90 |  |
| 2011-09 | 2 |  | expense ratio p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 3 | noncurrent p90 | capital falling |
| 2012-09 | 4 | expense ratio p90 |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | NIM <2.5% | noncurrent p90 |
| 2013-06 | 3 |  | wholesale funding >15% |
| 2013-09 | 4 | capital falling, assets shrinking | reserve under noncurrent |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 | charge-offs p90 | NIM <2.5%, assets shrinking |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 6 | capital falling, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2020-06 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | capital falling, losing money |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 3 | leverage <7%, capital falling |  |
| 2021-09 | 1 |  | leverage <7%, capital falling |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | leverage <7% |
| 2022-06 | 4 | construction >100% equity |  |
| 2022-09 | 6 | leverage <7%, capital falling |  |
| 2022-12 | 4 |  | leverage <7%, capital falling |
| 2023-03 | 3 | charge-offs p90 | expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 4 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2023-12 | 5 | brokered >10%, wholesale funding >15% | AOCI drag >20% of equity |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | construction >100% equity |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 6 | uninsured deposits leaving |  |
| 2026-06 | 6 |  |  |

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

- 2026-05-27 [In Boilermakers trial, witness credits former KCK union leader with driving bank boom - Kansas City Star](https://news.google.com/rss/articles/CBMia0FVX3lxTE9MdzVYNlRHUTllSU5HNnZ6RDJpNl84ZWlqNXBXUXk0cm81MTdGa20xZldTLWcxcEVLdE1pbGtrcWpaRmFRaUVabmM3WkY0WmIxQ1laNGw5N2hkRHhGUmJhRUpyb2VocWtXWkdV0gFrQVVfeXFMTmxpTkJveUVtalRaYzRWMnZlLWd2aENWMFhFcVRtUUoycnFOVWUtQi01QVpvNXZ1c0hCYkhvNVFYWjlYRzZzYW1pNENNWTZXX2pLeldSaXd1N3dGMzEtdzZ3Sk9QcjVLenVZQ0k?oc=5) · Kansas City Star
- 2026-05-21 [Boilermakers trial reveals lavish spending and huge payouts. Here's what to know - Kansas City Star](https://news.google.com/rss/articles/CBMia0FVX3lxTE9sWnIzSzFiSlVHTTdTQ0g2ZV9KU204VWEySTBKblhGQVhPcVJseTRjSmw2ekZNU2VWVGwwNjBzUFdBSlpJWTd2amJYUUFxeHdvR0Vpb092VUloXzdjODc0Qm1wa2lzVU1BaGI40gFrQVVfeXFMTm43TUV6VkZBaTJ3RnMtWUY3QWZnR29PeXVoOXFsdFVzUHNuaXFadVRoaVRMd2VBbHRKTUx3M1ZqdmxRYVhKSVFJUHkxVXdqWE44cWV6YnQ0Y0Y5R05zS3k5TFE3b0VONGlLZlE?oc=5) · Kansas City Star
- 2026-05-21 [KCK Boilermakers trial: ‘No-show’ bank jobs, $1.5M ‘golden parachutes’ revealed - Kansas City Star](https://news.google.com/rss/articles/CBMia0FVX3lxTE9KVWZLa1dFZ1Z0azB3ckRfWjBfYllPWmMwdHFNZlJZTTRwMUIyaFp2ZmFUV0VnTThiRm51ZnNGYVJza01wa3ZMTmRPVWNuM2lFWV9FbklqTjg1OHJaQTI0azNaQ0FvNm01dnh30gFrQVVfeXFMUE94ek5QcTRDNVZfRlFMeWZ5VW1WVkFrOGhBTU5uUGY2M2ZBS2VPSWdNSmd3VGcyVThBdm5DNWMtZEJvUDAwNHZlaS0zR19QRTdnb25sYXFPLXg1WHJEVmwwdUdRUHQ3T3hnVXc?oc=5) · Kansas City Star
- 2025-09-04 [KCK police identify victim in fatal shooting outside downtown bank - KMBC](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNdXJCWmpMMjVEeVZfUVZoTVlVdTJOTmdDRTRGRi0xV3hzS29ySkNZZF92aWFWMXRHaHhsRmh0SlVGVm1OLWJ3b0ozWTRMVTFPNFp3ZmxLQ2tTOTM4dUJXMUVVUV9fV0ZudGhvS3F1bGRJQ3JQelpTeS0xVjBGZ0Z4Mml4VVFCTU5p?oc=5) · KMBC
- 2025-09-04 [Man shot by security guard in front of Kansas City bank succumbs to injuries - KCTV](https://news.google.com/rss/articles/CBMipAFBVV95cUxObzFfckNEb1NYcFZ3czhBOWFSRWVwMENQUDVhVE0zSklrdUZ4V0QyeEVBUnhVMHdLMjlCa1pMMEFqVkNub0lRRmlCLUIxVF9wQVlfX20wYlRFVlJxbTFpRGNiZXhNb3FrQlBwQTdldE1tV0d4dGJRR25hMGx0Y1RIdHBqS21QVXJTaXc2cllsV1NGZEh1MjdsaFhsSTZEVk1oaUdyYQ?oc=5) · KCTV
- 2025-09-04 [Police identify man shot to death by security guard near bank in downtown Kansas City, Kansas - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaXBBRW92WnVBbVhmMF9RdHZzbkstX2tGRWF6V3Q2WjA0SnBmOEI4WmZsYkozdkFCcUxmN001SWcwMFVBMmJyaDUyVTRkaWZNSWNFdVl4LXQtN3RpbWpiOGQ5NkRyV2xWc1g2MjRSUTVmU2tUdFlxQUF4RHZIMUpWbkxXZ3RJWmdobnhKRDVCUm5ib1owY3NVSmNQdUt1MHgyaXdnTENGSnV5ZUVLOGc?oc=5) · KSHB 41 Kansas City
- 2014-12-12 [Bank of Labor sees growth opportunity with other unions - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVGJBRkRzbEQtcndRQnBuWXFvU3ljX0VjeFZIZGxIY1QwOXpWUy1lQ25fbjQwR3c4TnJLcy0zbUhKblFaek9YOGZEZG1CaUtwRGF3NWtEZEcyMTY4UmdJc19zMlRsdktEZXpEOENHV1IxZUdmWHk3cTBYVnV1aV9PVTFXNVEtSXcxT09JeDF5THkyRU9FNldMWmE2QlpvcjMxcmRTdlZ4dXQ?oc=5) · The Business Journals
- 2016-09-08 [Man chooses jail over wife — robs bank, sits in lobby until arrested, FBI says - The Washington Post](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQY2E0SHNpR3YydFBRb1hfeERwQWRvcjJic2p0T1BhZ0UxMkxHVVJBbGplTHNDVFUtTkRNSGJlUHRoRHpsYkoyRGloWWVKaFJFc1NhU0luSVdQS2xRN29DUGNfV1JSWUgzOEIzMmxTblRScUxsa005YWxaWWlPNXVBdnloNWxBRzhjNW9pM3JoVjNSYlZsN1AwSll4SnNWZnV3bnZGWWJkXzU1eWt4SURRX1ZQdTU4dTZrZlNfYVRTOHA0czdqeHpXR19oYXBXYzY0b3c?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1874 (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/18.json (key "1874", 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