# KING SOUTHERN BANK
CHAPLIN, KY · FDIC certificate 18900 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $193.6M | |
| Deposits | $124.5M | |
| Loans and leases | $166.9M | |
| Total equity | $22.2M | |
| Loans / deposits | 132.61% (p100 of band) | 76.50% |
| Liquid assets / assets | 8.92% (p3 of band) | |
| Uninsured deposits / deposits | 14.63% (p46 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 24.05% (p97 of band) | |
| FHLB advances / assets | 21.67% | |
| Tier 1 leverage | 11.29% (p49 of band) | 11.35% |
| Unrealized securities loss / equity | 0.15% (p79 of band) | -0.33% |
| AOCI / equity | 1.19% (p53 of band) | |
| ROA (annualized) | 1.39% (p73 of band) | 0.99% |
| Net interest margin | 3.91% (p58 of band) | 3.80% |
| Efficiency ratio | 63.79% (p33 of band) | |
| Noncurrent loans | 0.81% (p59 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 134.05% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 99.21% (p95 of band) | |
| Auto loans | $192,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | reserve under noncurrent |
| 2012-03 | 3 | uninsured deposits leaving | construction >100% equity |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2015-12 | 1 | loans exceed deposits |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 | wholesale funding >15% | charge-offs p90 |
| 2016-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | wholesale funding >15% |
| 2017-09 | 2 | wholesale funding >15% | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | liquid assets <10% |  |
| 2018-06 | 4 | construction >100% equity |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 3 |  | construction >100% equity, deposits shrinking, uninsured deposits leaving |

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

- 2025-08-14 [John King Jr. Named Director of Trinity's Annual Fund - trinityrocks.com](https://news.google.com/rss/articles/CBMickFVX3lxTE4xWTR5WDRLcnFmZWhfY2ZJRkdsN3JNd0ZFeFVZR1dlR1J3NmVGV0tOSjc2bVJLSl8zby1kQWswQjVWMVQzblQzM1hzNEdiZ0RUWkZVRkw1ZkV4WjBMNDh6N1ZJMU03OGpLUU95MS1Nc21zZw?oc=5) · trinityrocks.com
- 2018-12-20 [Stock Yards Bancorp Agrees to Acquire King Bancorp - ABF Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxNYWRzWDBfWGZqa3JDaFkwMUY5Q1dLcXJGUXRDWl9ZUnV3SUt1c3NrTFBIUzQyaC16dmRPSERjZEQ3Y1g0Mk5GWjVnYUdFN214cDJQcTEybFVVXzE0ZjB6ZkZTcHQxTFN1a0hIREJVeTN2NldyajBHMUpPZEZTaW9Ha2RKN1g?oc=5) · ABF Journal
- 2021-08-04 [Featured Story: Stock Yards Acquires Kentucky Bank - The Lane Report](https://news.google.com/rss/articles/CBMilwFBVV95cUxNOXdWLTdVd3hKaUFuZVJOTHFCODktY1hmbU1aWTN2Qi1hLUpUNXE2bVVoanlWbnZnVldTTmIyWVMyRXRHZGxDTTJ5ODBsNHViWG5kRzBWNFZwM1Y2bkdlbXdRdmU3Z1hNVk9IcjZ4cENnMjVlRkhkNVlhS29Za0VreV92dmJOVXl0VE5fYjZIdVZXS3ZUOHln?oc=5) · The Lane Report
- 2019-05-01 [Stock Yards completes acquisition of Louisville bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRUMtSl9xUkN2YXU0cnIxNkVJRGVfMzdLRTdXdmRYU3RuamhuZ3RCT19ockhUcVdVck9GVkw2YmVIbTE3LURKdXFKTmpmUGVjWGcySzRfb3hxdm9PYWc3c3loS192c01ySUM4ZzRXZk5USTh0VFJmblE1VFVveU9ka0ZMWlBtYzZMNURMS3JTNWh5TXJfT1lpY2JBZzhQUGdncElkeUdvWE9OX1E?oc=5) · The Business Journals
- 2010-01-27 [Papa John's franchise owner deep in debt to Kentucky bank - krem.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUjV4NU9oV0ZqYW4wVmphdWhGTFk1VVNjbjE1bWFxaEY0R0QtNWpnZnJ2NHk5WFV0WmpXVzNTTWJaYnhtTlBJTGxBZ1EtY0N3T1ptOGg0cThJbWlneW84U3Vma0ItdU1hMzF6RUlTR2RIOVdTTzJ6ci1oN1VmYTJkZ2VuX0FLcDlJbzRmSC1TWDdyaWNQbHpERUZOQ1ZINEFtWUV3VGJXejUwQW1LZHFr?oc=5) · krem.com
- 2014-04-26 [Gallery | Kentucky Derby 2014 | Great Balloon Race photos - The Courier-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxPTkVmT3VpeExkSXpFS2x4WnZNUl9WMXEwR2NPT0JsUE4zbi15WlBvU3FEWVlPX2FUckNtLU9sSnowNExackxrWTZ3bVFtbG1TR2JvdEJ6MTZlMk9pSWVXcXc0RkdaSG1WUDNuanRZbzhzVUlqeUtPTDRUVFZZQU50TENLWEpDeWF6cXZ2SjJOQXdEdW9wSHFTdmVLTWFWcUtSbm1tOWRkMGNQUnNMVWs5dEQxdUM4UXo5ZThmSHBtUmRackJmYXVtUmNwR1AtSjQ?oc=5) · The Courier-Journal
- 2015-01-14 [James King Obituary (2015) - Louisville, KY - Courier-Journal - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSXdqVzRwOWp5R0xCRTA5aVh3NjF6Rmc0anlLSTF5dW9BUnd2akVDMWFEc2dmaFpKMk9HR190R2dzbU9GVENqY3p2eGVnaXBFVVdkVTQtTjJianlsaXBNd3pkelZMYzdkcnQ1dkZHRS1adk1hRGhZNXpab1VSNkFFUURPMktPYzFUb3E0?oc=5) · legacy.com
- 2015-05-15 [Jimmy King adapts to life and leadership in the wake of his father's death - The Business Journals](https://news.google.com/rss/articles/CBMitwFBVV95cUxQRVZoRVkweFdsTGNaM2VLaTEyb2lrdEtWeFhISWdGYlhHZ1hyN0drZE9NV1d0TEtuWkpNdXkxZ2hNWDVYZWZLcng5clplU2FPVnFzTzVSQkhQRFhVbVdGOTlJZWV4M1U3RmVuRDhNTlRQUlZPR0wySVFIbG9LaUNmVUwtbWo0OXBFLVRzSHN6akFBWGNyMWlncW04WC1kdWR3MHlSM1lvZGw0UlpiZ2NrWDhCYXBrYjQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18900 (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/20.json (key "18900", 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