# KS STATEBANK
MANHATTAN, KS · FDIC certificate 19899 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $2.60B | |
| Deposits | $2.17B | |
| Loans and leases | $2.05B | |
| Total equity | $342.1M | |
| Loans / deposits | 92.75% (p67 of band) | 87.10% |
| Liquid assets / assets | 20.84% (p49 of band) | |
| Uninsured deposits / deposits | 21.85% (p21 of band) | 30.76% |
| Brokered deposits | 3.93% | |
| Wholesale funding | 6.70% (p53 of band) | |
| FHLB advances / assets | 2.40% | |
| Tier 1 leverage | 12.97% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | 1.39% (p100 of band) | -7.75% |
| AOCI / equity | 0.04% (p81 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.26% |
| Net interest margin | 3.38% (p30 of band) | 3.70% |
| Efficiency ratio | 38.79% (p7 of band) | |
| Noncurrent loans | 2.49% (p94 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 76.81% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 22.77% (p20 of band) | |
| Auto loans | $1.2M (0.06% of loans; DQ 1.29%, NCO 0.00%) | |
| Loans to nondepository financials | $12.4M (4% of equity) (p81 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 186 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | brokered >10% |
| 2011-12 | 2 | brokered >10% | loans exceed deposits |
| 2012-03 | 3 | loans exceed deposits, liquid assets <10% | brokered >10% |
| 2012-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 0 |  | wholesale funding >15%, capital falling |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 3 | brokered >10%, capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | brokered >10% |
| 2018-09 | 2 | brokered >10% |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 1 |  | wholesale funding >15%, brokered >10% |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | noncurrent p90 |  |
| 2022-12 | 0 |  | noncurrent p90 |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 | noncurrent p90 | capital falling |
| 2023-12 | 0 |  | noncurrent p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | noncurrent p90 |  |
| 2024-09 | 0 |  | noncurrent p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-07-02 [Bank7 Corp. Announces Agreement to Acquire Controlling Interest in Century Financial Services Corporation - PR Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPSlpoVXFIVklCdElyNnRaLXRPLS1nWHFkZ214Q1NjVjB1MFFUaW1DRjFIVk1CNUk4aUNHNmo4VWZKMHNoY2IzVXdrZlBCSF91Und1Q1k2S2hyU3JxSXNFSHF1dWJxbXR0RjR3SGJvZWZxeXY1MElwXy14djFDVUkyQjM4MDB4Z2U2QkR6OVZDYS1pMlM5NjRzeWN5bHJRYVNXTTJfT2tPbE1mR2NxN2w4NWJWYzBhWGljMjZHZFcwb3FHUzhyWWN5QUdTYWo1NGtycXFmRDBDMFJMQk1qYVc5VWxVRnlnb0pLNUJERHpnMkNrdw?oc=5) · PR Newswire
- 2022-07-28 [Top banks $2B-$10B: How they stack up by performance - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSFJkZ1VLZmRuVktvRm4tLUdDVENTUFg4LUdjSjY4UndZNU9QU1c2MGtTT1Q5SFNiYkVJRDZBbmptZEN1WEhCTER2Rml2TFlTNW44bmxJU3NyQTRxSWZ5aGpibEQ5em54bjNSYmRNektkOVlTX2pWbmM4NnowUWp0MnBieTJlRnVlcmVfcg?oc=5) · American Banker
- 2026-09-03 [Bank7 Corp. Named Successful Bidder in the Auction for a Controlling Interest in Century Financial Services Corporation - TradingView](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQbmNhNUFhZ21xQldJclZUeDNlbjM0X1UtaTJ0b0dhdmhUN2VPaWJSYVVZRkF0ZGM3TWY2OGNSVl9vZGJkem1ZV3JSaEhSeTAwUEVKY1pmMVB5dEVoQWd6WUFwQWFCXy1XTW1OQnQzRmZoX01tT3p1X3lvMEl6a0xmQ3J5ZUhnRGVzUFJiSmFmdFFYQlFBQ05INnNKSENpUVowRUM5NlEtd3lrcEFxaklpRFpKX3ZPWVRLSTZEN1lldGNEcmVnOVJnOTlndlhmdVQ3LUZZM3RQUjRJZS1FeGJCWnU2RUhZY25WU2NjbjduV1cxWmV3a01aUEgwWkdxMm1ITWVDYXpVb2Z5Vkk?oc=5) · TradingView
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - Android Police](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · Android Police
- 2026-03-17 [Wichita real estate developer plans to 'make good' on $1.8M foreclosure suit from lender - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPeG9RUDAtaGNsVlNQNE1uYklsNDROUTJzZkh4M3hDYkFYR2trenhBQlZjODhOaHBuMHRmV1RRQlhzd3dOekZBMnVUU0dNUXhNRS1zeGdsNXB5ZlE0bmNVaGVEWldDQkhMN21DZVUyU1VTSmd2NEFIVUtZcGprS0MzeXdQX2tpNWlYVGpTSFZFZVR0WW02MU5lSEhUbm9zNy01UEEtNFNn?oc=5) · The Business Journals
- 2024-11-08 [Jake Edwin Worthington Obituary Nov 9, 2015 - Dengel & Son Mortuary - Crematory - Dengel & Son](https://news.google.com/rss/articles/CBMickFVX3lxTE5KQWdNcU5jU3pQR0paTlhiVWdzR05WVkxMSDFQdWhHYkdBaGJlUGZDRGR1Q3QyZ3A0ZXktdEVHNV83cnVSVFVRUWtSV3B3TzNaRjk1ODA0ODhBQzljbGVzdy10V1ZBRTdyQWpKQ19id0N5QQ?oc=5) · Dengel &amp; Son
- 2020-10-12 [OUR NEIGHBORS | Former mayor reflects on life of service - themercury.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQeFpZUy02WktSVlM5VnU2WW53dVhld1pHbVF1YzlQMkdJUndyN0w0Yk1taS1lTTkwSW1FZVNFMl9YMGRvc21QTUxXbHFrSWVqWVM0Y2thaXkzMnVvVTJDLXFNYVZPR1VTRDY4TG84U0pFSkN0ZnhXV0RMSlZUeXhwdXRueEl1SW1YZklwZ2ctUzUtekdNdGRZTFA4Mkl2SWpPOV96RldDWDJLeTRvb2NLSGhyTmpfVXVoaFEtS3BsN0xLbzFYRmZlcnVfNkR6QnZEMlE?oc=5) · themercury.com
- 2021-01-09 [It's Your Business for Jan. 9, 2021 - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxQQ1QtZXl1RmFjUnU0a093bHREdTIyYlpMTUVQZ0xHLXhGX2x0Q2RpRF9YX1lZSTEyTjBrLUxTWVd6ZTNQSGRiNTA3NVJ4bDNvNWYyMGowY1ZiMnoxdDZNM1o0dFVTMjVkX1lxZDRoNjFhaHl6X0pvYXEtaWJaenZsXzhseWNRczNaN0NvaXNyaUVXUmVfXzhNeEFOOGF1bW1PMkd4Q0VMWm5vZ250MVBrNk9mUGlpT0tBYUNzUnA5R1laeFFBUGdMSGUtYUFpSlU?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19899 (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/59.json (key "19899", 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