# BANKERS BANK OF KANSAS
WICHITA, KS · FDIC certificate 27351 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 5 (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 | $255.7M | |
| Deposits | $130.4M | |
| Loans and leases | $173.2M | |
| Total equity | $36.5M | |
| Loans / deposits | 130.40% (p99 of band) | 73.59% |
| Liquid assets / assets | 27.37% (p37 of band) | |
| Uninsured deposits / deposits | 44.50% (p94 of band) | 19.81% |
| Brokered deposits | 15.70% | |
| Wholesale funding | 49.04% (p100 of band) | |
| FHLB advances / assets | 3.13% | |
| Tier 1 leverage | 16.31% (p83 of band) | 11.76% |
| Unrealized securities loss / equity | -0.60% (p81 of band) | -6.57% |
| AOCI / equity | -0.68% (p37 of band) | |
| ROA (annualized) | 0.75% (p28 of band) | 1.17% |
| Net interest margin | 4.85% (p87 of band) | 3.93% |
| Efficiency ratio | 78.78% (p76 of band) | |
| Noncurrent loans | 1.51% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.57% (p97 of band) | |
| Reserve coverage of noncurrent | 120.11% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 52.28% (p80 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $40.7M (111% of equity) (p100 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, liquid assets <10%, noncurrent p90, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2011-06 | 2 |  | loans exceed deposits, liquid assets <10%, noncurrent p90 |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 6 | charge-offs p90, deposits shrinking | noncurrent p90 |
| 2014-03 | 6 | noncurrent p90 | charge-offs p90 |
| 2014-06 | 8 | assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 6 | charge-offs p90 | reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2014-12 | 4 |  | deposits shrinking, assets shrinking |
| 2015-03 | 5 | capital falling |  |
| 2015-06 | 3 |  | charge-offs p90, capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 9 | capital falling, losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 |  | capital falling, losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 4 | deposits shrinking | charge-offs p90 |
| 2017-09 | 5 | uninsured deposits leaving |  |
| 2017-12 | 5 | charge-offs p90 | deposits shrinking |
| 2018-03 | 7 | capital falling, deposits shrinking |  |
| 2018-06 | 4 |  | uninsured deposits leaving, capital falling, deposits shrinking |
| 2018-09 | 7 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 5 | assets shrinking | charge-offs p90, loans exceed deposits, uninsured deposits leaving |
| 2019-03 | 5 | capital falling, charge-offs p90 | deposits shrinking, assets shrinking |
| 2019-06 | 4 |  | capital falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | charge-offs p90 |
| 2020-03 | 8 | capital falling, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 5 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 | uninsured deposits >50% | charge-offs p90 |
| 2021-03 | 4 | charge-offs p90 | brokered >10%, capital falling |
| 2021-06 | 7 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2021-09 | 6 | brokered >10% | uninsured deposits >50%, loans exceed deposits |
| 2021-12 | 7 | uninsured deposits >50% |  |
| 2022-03 | 7 | uninsured deposits leaving | uninsured deposits >50% |
| 2022-06 | 7 | loans exceed deposits | assets shrinking |
| 2022-09 | 4 | uninsured deposits >50% | deposits shrinking, brokered >10%, uninsured deposits leaving, loans exceed deposits |
| 2022-12 | 10 | loans exceed deposits, brokered >10%, run vulnerability, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  | uninsured deposits >50%, run vulnerability, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 5 |  |  |
| 2023-09 | 9 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 7 |  | deposits shrinking, assets shrinking |
| 2024-03 | 5 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 5 |  |  |
| 2024-09 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2024-12 | 6 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2025-03 | 6 | uninsured deposits >50% | capital falling |
| 2025-06 | 7 | noncurrent p90, reserve under noncurrent | uninsured deposits >50% |
| 2025-09 | 6 | uninsured deposits >50% | brokered >10%, noncurrent p90 |
| 2025-12 | 5 | brokered >10% | reserve under noncurrent, uninsured deposits >50% |
| 2026-03 | 8 | uninsured deposits >50%, run vulnerability, assets shrinking |  |
| 2026-06 | 5 |  | uninsured deposits >50%, run vulnerability, assets shrinking |

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

- 2015-02-04 [Leadership of Bankers' Bank of Kansas in transition as CEO prepares to retire - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSWxQd21LZ2NFbllZVHVsdF9OcEdJUXVUdGpjZFk3czdHMm0zM3BfZ2U4MDRZSzFYQlphWVMydC1EWkt0RkotZXVuM0gyeVZWa19rNjlxTkJrQlBldmx4YXFrR0taZnRLT3hsOEdmQklIclRUT05ZSUhaZnppam9EazVsTFMtSVBfMENya3BVRDdKeHV1T190dDUwQWV4NmJ2eG1vdzdOeU9wRm8?oc=5) · The Business Journals
- 2025-06-24 [Vernon "Vern" Eugene Wasinger - downingandlahey.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBFbVhvVUVmZG1yVHM4RnV1WmNHMHFIdzNYWjVlemI4QUlNZzk2a184ZzVvalVHb2E4eUd4VkJDMjl3U0lzNFNDbXVNRWVfak1FX0h3elVUSmJyTldFRHI4a0FsYmowWEZsSTBkZFMwbw?oc=5) · downingandlahey.com
- 2016-05-21 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNN0tfeFp1b0YxcVVmS01Bem5vSmNOQ09XVmN6RC1yNTdpeVgwVEZZdk5rSG4tN2g5d1N1azhwZ3FuMVAzeG5xQ0FEdjZNbUl6UjJpczRWQVJRcXFzd1hYdzM5SnpMMFAtZzJDajkxX1A2SXQxR3lnQUsycjVhVG1YNGhPbUJ1V3JIMXFR?oc=5) · The Topeka Capital-Journal
- 2019-11-27 [James "Jim" S. Birkbeck Obituary Nov 27, 2019 - Mercer Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFBHZTk4Z0RNenZXT1BrZnd0Y0pxZWVXTWdqWkdjU1lGSmxwZEN2dDZLbEpUd3hTVE44R1hDU1R5Z19OZ29hUEFrLThWaDhBUVA1dTEwTjVRdU9oSGJBUjdMYkhhbEVIMmwwXzFQTWRjNA?oc=5) · Mercer Funeral Home
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-05-03 [Walter Ellis Obituary (1954 - 2025) - Wichita, KS - Wichita Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxNa1Fka01yVGY0N1V6cjNwTXhlb2Jwam84OVA1LWJmMnI5TTBrMzA5bHBvckdtN2h6dnhkVS1XUDRfQXRKU2U0QXVfeTl6U1k4TEktVDJvemd1WXV6bnVHQXhFWmdJbEJkeUNzZXVlYmJuWGlaeUdrUEpRdDVkSDA3alU5d3k4QU92VXc?oc=5) · Legacy obituary
- 2013-07-20 [Employees, banks allege fraud in collapse of Schmidt Builders' Supply - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPeDZ6cmZhQTREVWZnSkNHVnZaa3VJZ0JuY3FKMkw5cWVBUi1NckYwODB2b1ktOXFaZTI1d0FsUkhsYVgzQ05hRFYzNU5IOURnS1pEcUlOYkpNRU9EaGpVZm1pcmpFU0N0Z0NYbWp4MGRjeVdyVkJYMFA0Nm5xOGdjaW1PVVZhd2VJRU1TaGU4b0tsUUh6X0EzV2lnLVppcDRXOTVWZWswQUsteWxNNW42SXg1dE0zSXp0OG01RnA4aTMtS1FlbWZZRmJHeGRpT0g1ZUE?oc=5) · The Topeka Capital-Journal
- 2022-02-11 [Theodore James "Ted" McVay Obituary (2022) - McPherson, KS - Glidden-Ediger-Wiggins Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQcTBMYTFCUkxHYXBUVDgydWpTY2M0ZFlNcVRrSmRHZ2dRU0ZmaFNzYTBkQnhmM3J1QWNEVno3S3phSHRYc2Znb3E5dHZZSVRPdWUyckV5UHJ6QXE0LUNPSTctSjZhVUtYckNfTmdJeE93TjI0MUY1XzZCWGtBNTF2OUxXNA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27351 (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/23.json (key "27351", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide