# FLINT HILLS BANK
ESKRIDGE, KS · FDIC certificate 26340 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $170.2M | |
| Deposits | $153.6M | |
| Loans and leases | $79.2M | |
| Total equity | $16.1M | |
| Loans / deposits | 50.93% (p22 of band) | 72.28% |
| Liquid assets / assets | 51.20% (p78 of band) | |
| Uninsured deposits / deposits | 17.48% (p43 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.58% (p20 of band) | 11.62% |
| Unrealized securities loss / equity | -2.82% (p65 of band) | -7.15% |
| AOCI / equity | 31.05% (p100 of band) | |
| ROA (annualized) | -12.42% (p0 of band) | 1.12% |
| Net interest margin | 3.26% (p22 of band) | 3.86% |
| Efficiency ratio | 100.00% (p93 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 73% | |
| Construction % of loans | 4.68% (p28 of band) | |
| Auto loans | $1.6M (2.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 0 |  | capital falling, NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 2 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | uninsured deposits leaving |  |
| 2026-03 | 3 | capital falling, losing money, expense ratio p90 | securities losses >30% of equity, uninsured deposits leaving |

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

- 2026-01-24 [Bennington State Bank expands as it acquires Flint Hills Bank - Salina Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQalZESENiMC1nNVVYMWRyendQR19kNGljeFUwRjk1Yk03Z0VVeWViNDFjWFVLaUtkLV9kX0VhRVNhenJVbVBCT1B1SnFuY1ZScGpZcERQd1pMbFFRWThZYnZDQ2w0T3FlalRyZTlyYkt6bEVMS215UEZ4TTN5cHVtY0JpbENMREZtUE1pWlNtMzFsTWdIamJqMkNtVGlIOGI0aEtuTHllbDZuSjBuSExNT1hwLUhuWDY5dlpKaW1NQm1pNW8?oc=5) · Salina Journal
- 2026-01-21 [Bennington State Bank to Acquire Flint Hills Bank - KSAL News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5HMmdXREp1dmFxV09QbWx5bktSaF9uUWRUY3BURlZuZElGUkk4dkRuUktmYUZaUE90YkJ1Z0REbDdWck9QdUppUTBNMC1sZUdlaWFHSlkyTHhiTE03TkRYNW1OOEtZYm5CclpaTE55Zkl2ZTEyUGdiOEFvRQ?oc=5) · KSAL News
- 2026-01-28 [Bennington State Bank adds 4 locations through Flint Hills Bank deal set to close in Q2 - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaEFqSHBBZldheE1VaC1PbUFuTG9DYXVoWllwNFcxMEJ2N3JIRUpBQXFhMmxDVURKOVlOWjVLRHplNGV0ZDk1QWh3NF9mNUtkd3ROd1ZfZDBCcUpZLTJzMEFnWW9FcXVVYXNYQkVsVGhBX3FzUUlKWmVYanFtRmV5anAyb2w?oc=5) · The Business Journals
- 2026-04-12 [Bank Merger Officially Complete - KSAL News](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBwNy1VSms1QzlpR010UDltSjF3clhHQ0lqNUZ0WGZvOTVFUGx2c1h5djR2SEdQaVFHMGNwLXpHYXMxLTlidUJDMkVYc25Fb3JkdDhhWDVhcUZxd2c3ellwcUU5aw?oc=5) · KSAL News
- 2024-07-03 [Robert Warren - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBtX05nUEs5TmlteEZuVGJBcFhGcFVGclo0RWgwMWd2UTByYUhvQV9sVTNNMzJWR21BMEQ1SHBYMF9OMEwwRHFsMVVUb1pzTFhlRk90OGVuS2plaUU?oc=5) · The Topeka Capital-Journal
- 2022-04-29 [John Durkes Obituary - Piper Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5EelZUUEd2cTRSS2doaUJvLWZmSE8zWE82YVZiaTIwazJFMWpJVmN4Ry14d25kdDVxeUh0cko3U1FqakZ0MEVZb2ZyRGI0dkpRb29zWW8zZU5iRnZfdXc0THFKRFoyZw?oc=5) · Piper Funeral Home
- 2018-03-04 [Hazel Kemp Obituary Mar 4, 2018 - Piper Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA1RlZibmE3V1Z0UHpjX1JPNjRhVmVGS1E1QnNxVTdxdjhjaWlXMWRZUGtvdEs5bjBVbXBOSV9wOTZieGpGVndhUFo4ei1qa3M4UHJDSFZYMXU3ZnA3b0hDUE00dXc?oc=5) · Piper Funeral Home
- 2016-04-26 [Joy Croucher Obituary (2016) - Topeka, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNaktMSTU5X0U0VXU0YmpJeWJ2NzByZlhROEgyZ2FLYlJ3OTRmRERmY3hGNVhzMG9tRURuV0cxOHp5ekZzM3h2el9oWkNUV3p4bzVRQnNmZUdSTWdfd3VKMzY5ZEpoa1BoZS1aSmEwZTY5Rnk5MFhkZk1acUNpWGFfbHZ2TzdBanY1Z0tlVw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26340 (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/36.json (key "26340", 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