# BANK OF PROTECTION
PROTECTION, KS · FDIC certificate 23099 · asset band <$300M · 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 | $154.4M | |
| Deposits | $122.0M | |
| Loans and leases | $108.5M | |
| Total equity | $17.5M | |
| Loans / deposits | 88.17% (p76 of band) | 73.59% |
| Liquid assets / assets | 23.04% (p28 of band) | |
| Uninsured deposits / deposits | 28.09% (p77 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.15% (p84 of band) | |
| FHLB advances / assets | 7.89% | |
| Tier 1 leverage | 11.81% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -11.91% (p36 of band) | -6.57% |
| AOCI / equity | -1.18% (p24 of band) | |
| ROA (annualized) | 1.60% (p72 of band) | 1.17% |
| Net interest margin | 4.61% (p80 of band) | 3.93% |
| Efficiency ratio | 47.67% (p10 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 12312.50% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 1.31% (p21 of band) | |
| Auto loans | $2.2M (2.07% of loans; DQ 0.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 58.4% | |
| Employees | 21 | |

## 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 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | assets shrinking |  |
| 2013-12 | 2 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 2 | assets shrinking | reserve under noncurrent |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 1 |  | deposits shrinking |
| 2017-06 | 1 | capital falling | reserve under noncurrent |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 2 | noncurrent p90 |  |
| 2021-03 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 1 | capital falling | securities losses >30% of equity |
| 2024-03 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2025-06-24 [Virginia R. Murphy - downingandlahey.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE0yaGtWSjA2aUViUTVOU0pyRUM0T1E2eFpWQjBxdkZvZXNxYjdfWUZwVXZTRV9xTi1TdWZEaFdUcEdmY2FQTWU5NVQ0eGhRcmtKSVBLLVRmRk5faGhfU2JrOXJB?oc=5) · downingandlahey.com
- 2026-08-21 [Dallas man charged with defrauding 16 banks of $40 million - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMUFpVTlmMEVRNzcyckoySHBTOUN2RWRkNnBDNmR5ckdfU1VJVFREc0RtMld5WlpaRHRraGhtSjZrUVBOR3M2WjBCMHBMM2NBQlVVVHZVT2hmQlpianF0b3RWUGRUX2xmUktMR0NQYUhIb3J6ZS14cEQ4RFBaSHpYNEN5OVdhWkV0YTJCWHpRaUZpU3BQT0U2aQ?oc=5) · American Banker
- 2018-04-20 [Kaitlin Gillespie Obituary Apr 20, 2018 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMidkFVX3lxTE9Ib3NJejhaOWpWT3lYN3VWclJYQU1JcDAxUDRjb1VvQU1FQ25VZjhfazYxbHJkNWpxaXZnajZrV3o3aTgzS2NDQ2VNeU0wOTJiWDlxZzcxaG8zdmRlMnJHYUNfM21rZUhFUjNEMnNCblBGamQ3V0E?oc=5) · Rivera Family Funerals &amp; Cremations
- 2026-06-19 [Kansas Shrine Bowl live on Smoky Hills PBS - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBvc0dhTHZlQjNTM2VQck5ta3duWWR0MTRxUl9oc3RMWFpvMURXLUdUanVVYXhPV0o1SzYxbDNXWVFJVXJrX2hMUUxSaGs1c2NxQTJWdE4wQWpyY0xwSkJCMzJRS25maEhvYTVGU281Mmg?oc=5) · hayspost.com
- 2016-10-04 [Jay Luerman joins First Kansas Bank as Credit Analyst in Great Bend - gbtribune.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWnZib0lQeUh4X3NZS3dmNjJaTWp1QVFUWmJlMHpnM3MyTldKenRTUEY0UTZwSmg4dkR6ZHBza3c3cDdpMkNidFRLZE1kcUNXZDBqVjJDTkFZU2hjQkw3QXVTbXhSWjJmRjV6WWd5ejZiYUpCNXBaWmRVMG00V0JFem9DWmlTOHB6RDZsRm9oOUlfNVhlcm1HNGVGcFlCVTVtQzFkZGl2c2hCS3Fl?oc=5) · gbtribune.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23099 (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 "23099", 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