# STATE BANK OF CARBONDALE
CARBONDALE, KS · FDIC certificate 21174 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**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 | $18.0M | |
| Deposits | $16.1M | |
| Loans and leases | $8.9M | |
| Total equity | $1.6M | |
| Loans / deposits | 54.65% (p24 of band) | 69.17% |
| Liquid assets / assets | 45.08% (p70 of band) | |
| Uninsured deposits / deposits | 4.32% (p24 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.84% (p27 of band) | 10.02% |
| Unrealized securities loss / equity | 2.22% (p41 of band) | 3.21% |
| AOCI / equity | -0.18% (p19 of band) | |
| ROA (annualized) | -0.26% (p9 of band) | 0.78% |
| Net interest margin | 3.92% (p59 of band) | 3.76% |
| Efficiency ratio | 106.08% (p93 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.31% |
| Net charge-offs (annualized) | 0.06% (p50 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 49% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $663,000 (7.45% of loans; DQ 1.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | losing money, expense ratio p90 |  |

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

- 2012-10-27 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNkdTVEtncFhfR1ZfYlpCaEhKenRwdWFYemlvazFTRzFGcVZxSllTSy1aX09XSTJlMk1jYm5VUTZsMWJkQnhudVY5VmpSazlFd3ZCUlZqRHNOdlVIMzhyUjhqbnRRTHBqa05tUUx2Ui1famNpVkhKRWRtX1VWYTNTMDdLUWthVGp0N0l3?oc=5) · The Topeka Capital-Journal
- 2024-10-04 [Francis Marion Creek Obituary - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiakFVX3lxTE5YcElLWWtrdnctbVNrcEEzMW1oS1NOLXlOSXo3RjJ3TTA5eUdHcDlJN3Q1ektET09KT1RZU183Sm4zYnJiaEIwZFhoZW5mOVpDRzZCLWdhRFN1VVo1TzdRU1VGYnVCMWhUUlE?oc=5) · Dove Cremations &amp; Funerals
- 2008-03-09 [Matthew Sigman - View Obituary & Service Information - Kevin Brennan Family Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTFBULUtOWW5vR2IyWHlJeGVESVZTUHRwRE5hZTUwc0ZkSmljbkJLN0JGRlg4NmFDOERVVEsyMlBCT0lxSkRkY3k0aXdSeWpuRkd0eGM4TURYcTZQcnJQb1doZUtLX21Ya0lHU2l6Qi04enNoYkN2WlZ5dQ?oc=5) · Kevin Brennan Family Funeral Home
- 2019-11-12 [Osage County Herald-Chronicle - och-c.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE00QkVqLVRFUmNnTHlCTHRLNGJWVkFfcm1HcjBaWFdmUGZuTi1DNkNyaGU4MlpNZ0lxUkcxQlBKOWh0Z0ZKNG82OUwxME1VSEw2aXFZOFVpYVpKcW1ITk1tVkVKcVlpZnJRN1RfMkNqQkI?oc=5) · och-c.com
- 2005-02-18 [William Duncan Obituary (2005) - CARBONDALE, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUHh1Y0oyRFoyejdSUVlVTDhLRU1ZMVBqNDF6S3NNNVNiSHJROXRid0xYMUFaZWpma0VxYkQwREx2cTZtazFXd1NqSXpwdGRCVWk3YzdlQlhuT2NHdzFCVGY0akFjdWNWZlM5dXRyalRyVGdrQk1WZm54UWVod201OEJYVFlaNnJ6RGh6ZUlaUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21174 (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/54.json (key "21174", 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