# ARGENTINE FEDERAL SAVINGS
KANSAS CITY, KS · FDIC certificate 28507 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $70.4M | |
| Deposits | $56.0M | |
| Loans and leases | $48.0M | |
| Total equity | $8.2M | |
| Loans / deposits | 84.99% (p71 of band) | 73.59% |
| Liquid assets / assets | 28.64% (p40 of band) | |
| Uninsured deposits / deposits | 19.52% (p49 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.38% (p82 of band) | |
| FHLB advances / assets | 8.38% | |
| Tier 1 leverage | 11.71% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -30.20% (p13 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.15% (p8 of band) | 1.17% |
| Net interest margin | 2.55% (p5 of band) | 3.93% |
| Efficiency ratio | 90.04% (p89 of band) | |
| Noncurrent loans | 2.11% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 41.72% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 63.74% (p86 of band) | |
| Auto loans | $61,000 (0.13% of loans; DQ 40.98%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, securities losses >30% of equity |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | loans exceed deposits |
| 2012-03 | 1 |  | wholesale funding >15%, securities losses >30% of equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | assets shrinking |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 1 | assets shrinking | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent | assets shrinking |
| 2014-09 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | assets shrinking |
| 2015-06 | 4 | losing money, expense ratio p90, assets shrinking |  |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | losing money, expense ratio p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 | reserve under noncurrent | loans exceed deposits |
| 2017-12 | 1 | capital falling | reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | securities losses >30% of equity, deposits shrinking |  |
| 2023-03 | 3 | NIM <2.5% |  |
| 2023-06 | 4 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | capital falling | noncurrent p90 |
| 2024-03 | 5 | expense ratio p90 |  |
| 2024-06 | 3 |  | reserve under noncurrent, expense ratio p90 |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2025-06 | 4 | reserve under noncurrent | NIM <2.5%, losing money |
| 2025-09 | 3 | uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2025-12 | 3 | wholesale funding >15% | expense ratio p90 |
| 2026-03 | 2 | capital falling, reserve under noncurrent | securities losses >30% of equity, uninsured deposits leaving, wholesale funding >15% |
| 2026-06 | 3 | securities losses >30% of equity, uninsured deposits leaving | capital falling |

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

- 2025-10-22 [These 10 KC-area banks see loan portfolios grow the fastest at midyear - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU0htYlFDX2F6RjV3MjZpd3Nlc2lZaHYwQS1Wd2ZvY3dneC1Ea1RoUkQ0ZUNPVWoxekg5WVFLdnN6Y3RvajE4UE9PTXVIRzJYLTNFRWgwS1BJUnZpaVQybmlabDJJTnNDYjhSWGw0RzFSTVZIQUlDMlVvV0FhQlRhSkhNcDB6YmdhR3JiaVV0Ql94RS14UFhyNC12N2paVkNjdG1vbEhUTzc?oc=5) · The Business Journals
- 2026-06-24 [These 2 CDs offer 9% — plus 8 more of the highest APYs of June 2026 - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTVRaZnNzOEdUVENWVWVEazg2eEwyYmZzSFFfRnRkRnU5QW5SLUdUeVlzcC00RGM1SUxMQWlUOXdVenEzMnYyaXBYYjA4MlR5b1QxQ1RkbjRCTXRmUi1CNGZXLUI5RmFRTmJEWWt2c0tZNEE3TGZKSEdBeDcxVWZFdzZ4T1U3R3Y4NE5oS2tJSEV3Mmk2V1M4S3ZSSUxYak1GMG5tVG02ek1VNms?oc=5) · MarketWatch
- 2026-07-29 [This CD offers 9% — plus 9 more of the highest APYs of July 2026 - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNWJqbldFMTVlcjhmT3hPTG55SS1DelFEV29FZUlaejFJTXVTTzc1YXE5eW1QdTRhZjhpTl9xR0FrOTA4TUV4aEpvLVJmZmtMQkI3cl9UYjdkQVR2QjV4RERfbUtfa1NFNVI1T0h0WV8xUldzYzNvck51dVNOYXB4bWRLeXlJbUlWdFhEYjQybDFkTjBhbWMyQnV0WVQwMEp2a3FwQ0JSeTVFS00?oc=5) · MarketWatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28507 (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/27.json (key "28507", 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