# THE BANK
OBERLIN, KS · FDIC certificate 26522 · asset band $300M-1B · 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 | $617.3M | |
| Deposits | $540.5M | |
| Loans and leases | $377.6M | |
| Total equity | $75.2M | |
| Loans / deposits | 68.50% (p23 of band) | 82.04% |
| Liquid assets / assets | 35.69% (p76 of band) | |
| Uninsured deposits / deposits | 21.90% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.46% (p62 of band) | 10.81% |
| Unrealized securities loss / equity | -2.32% (p77 of band) | -8.10% |
| AOCI / equity | -0.99% (p23 of band) | |
| ROA (annualized) | 2.50% (p95 of band) | 1.28% |
| Net interest margin | 4.49% (p82 of band) | 3.91% |
| Efficiency ratio | 37.89% (p3 of band) | |
| Noncurrent loans | 3.45% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 55.98% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 2.06% (p6 of band) | |
| Auto loans | $4.2M (1.11% of loans; DQ 2.03%, NCO 0.00%) | |
| Loans to nondepository financials | $5.0M (7% of equity) (p95 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 75 | |

## 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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 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 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 3 | loans exceed deposits, wholesale funding >15% | noncurrent p90 |
| 2016-12 | 2 | noncurrent p90 | loans exceed deposits, wholesale funding >15% |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | deposits shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | reserve under noncurrent |
| 2023-06 | 1 | capital falling | noncurrent p90 |
| 2023-09 | 1 | noncurrent p90 | capital falling |
| 2023-12 | 0 |  | noncurrent p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-09-03 [Kansas’ Equity Bank to expand in Iowa with $123.8M deal - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxPWWM2RnRSMHl1Y3lyWlZBNUZYZ3VhclJjYXEzdlZzYVZNSUJNY1VwUWc5d2I4a29WbF92Ukw3aUZVYURWRFhkOEFEek1uWHJYQkNiNXY5cUwyc1RjSmRyUFg2TEVIa0ZLZHBrVmNGazJaeXowenlKMC15Z0V2VVZhZHd5N2ZjbGU1dV9fVzJPNkhtWlRjTEtyaWpQWUVtek12Vnc?oc=5) · Banking Dive
- 2026-08-25 [Central banks go their own way - ADP Research](https://news.google.com/rss/articles/CBMiggFBVV95cUxOTVd6RTBUUExzQ1pZdUZkZlVBWFprLS1raWoxSko3YmhENzVFQXhVRG9qRVRRWGxXcmFiemFfRzlsQXpQRjZyZlczRW9mdGc1T0p1Y291TkZLTWJ2U05KelNsRXFEUWFjYkdmcnhrSnJ4LS1BWkVidGFEWkpCdjd1aWVn?oc=5) · ADP Research
- 2026-07-17 [Failed Bank Information for Small Business Bank, Lenexa, KS - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMie0FVX3lxTE9ubkk3SEprT0ZyUncwZHpYNEJfRHhKb2k5M3ZwY3lxN0N5SWswR1NFREJGSWNJSUU2UFV0eDVILWI0QWNteUxvQ0RjeFNkX1R2dXg3SGNPNkRkNXR6c0g5Q1VzcGpPUWo5WUp4Zk9fOUdzc3VNckpNX0hLUQ?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-08-25 [Amaijah Smith Explores Community Banking Through KS Bank Internship - Barton College](https://news.google.com/rss/articles/CBMibkFVX3lxTE9kRzhMel9iTVdWdm5MUHFLSHJzeXA5V3ZDWnhZN1NuWkVnRUo1SDNsb0llLV9lbTBRQUluQ2xDY0ROZFV1SFF5TGprRTNxblFkVUY0Nm5EUEFZemhXbFhOYTJ4R1R4MXpVOHlXeHhR?oc=5) · Barton College
- 2026-07-20 [A Kansas Community Bank Is the Fourth Bank Failure of 2026 - KBRA](https://news.google.com/rss/articles/CBMisAFBVV95cUxNU1lOVkN4b1BXc3g0M003YlpzeGxoTjBJa1E0WEhyXzFJWGVDcUYtM1hvX1ZpTHJmZC1pUWsxVGhXZ1Q2R2dYTkx6RTVhaXV2UEo5UXpHaVdsTExrZ3J3d25hcFJOZ29ObEJ1c0J1LTVpRXhUdk9jZ012TFpPQ0tNd05UamdsanpQN2xUTzJiaUJfRklYdjZ4TjdRZElodW40amt2NkdCQ1JLczNYREN4Vg?oc=5) · KBRA
- 2026-09-02 [Fifth Third Bank seeks location for first retail branch in Kansas City - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQWFWcklfUG5ua2J2MGhlUi00NTdXYTJwSERKdjhEMUQ3YnJ4eWlnS1VrY1pydEhqOVJlSXBicWNvRW5OVUxkdWRjR0dYZmhWdXdWUVNXdEJpT1dZNTFyZVFqU3FlU3ZTN1FfWVFGYjNDYVVwN01YUGRtcGtpTG1BMWhMaUhhVk5kMy16Z2NaTDBYOXJPYktEUWNxaFhRZzcwX0lZZQ?oc=5) · The Business Journals
- 2026-08-20 [This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead - CNBC](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOc1UxZWlocFFJSXJWdmM4YU44OU5ueWM5UlVPSTNjMXNDM0V6VzUzX3BGZFU2eE9NTXN2U3ZmdW1jXzMxaTJnODNvSnZrUWk0ZUs5V2tSLW5Sd1AtSW1vT3J6YWJRVGNhRFhIazhJNnRwOUxHWTFTWS1wSXRSMVo2REtmM3NtdVRCcHkxY29ncE1FY3YtR3FZMUlTQVQxZFFWdkpacElCTWV2Zw?oc=5) · CNBC
- 2026-08-26 [SPONSORED: Central National Bank celebrates remodeled facility, re-opening - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBSbk5GSHFxSV9TVTdiU0s4OWFoampuZloxRmdaaDZiZVpzSTZqZ3hmajA2NGdpVG9YeWctRklUR25vaWVPek10WFJBdVZ4Y0o3RlN1UmkxbV9SMkdKdGlPbDE4bzNiWFFsNUdBcm5aU2Q?oc=5) · hayspost.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26522 (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/26.json (key "26522", 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