# COMMUNITY BANK
LIBERAL, KS · FDIC certificate 34666 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $173.5M | |
| Deposits | $152.2M | |
| Loans and leases | $90.1M | |
| Total equity | $19.8M | |
| Loans / deposits | 58.25% (p28 of band) | 73.59% |
| Liquid assets / assets | 44.94% (p71 of band) | |
| Uninsured deposits / deposits | 21.18% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.83% (p61 of band) | 11.76% |
| Unrealized securities loss / equity | -19.96% (p23 of band) | -6.57% |
| AOCI / equity | -1.47% (p19 of band) | |
| ROA (annualized) | 1.14% (p49 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 64.50% (p47 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 3618.42% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 9.98% (p38 of band) | |
| Auto loans | $20.2M (22.48% of loans; DQ 2.57%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling, deposits shrinking, assets shrinking | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | auto book souring |  |
| 2016-03 | 2 | uninsured deposits leaving |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 0 |  | auto book souring |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | auto book souring |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | reserve under noncurrent | auto book souring |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 3 | noncurrent p90, reserve under noncurrent, auto book souring | capital falling |
| 2019-03 | 0 |  | noncurrent p90, reserve under noncurrent, auto book souring |
| 2019-06 | 1 | auto book souring |  |
| 2019-09 | 0 |  | auto book souring |
| 2019-12 | 1 | auto book souring |  |
| 2020-03 | 1 | capital falling | auto book souring |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 | auto book souring | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2023-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-03 | 1 |  | auto book souring |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 2 | auto book souring |  |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | auto book souring |
| 2026-06 | 0 |  |  |

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

- 2026-09-03 [Kansas community bank says merger will enable big Iowa push - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNajdFUjVzLW9tRVBoWEx5aEJNRVJpanR2RE1IQ3NJeU1OUEhiUldvYjdZWU1yMnVJa2tIbURodFhUdkEtNkxNeWxES0laRlM2eFpTOHd4bzBodWlFZWZWLVFSenJQWllkT0c5YlJJaDdHTUVQZEM4enhNbmNybEVFUGt3SDcwRF9mUmFFLW4xZUh3Njgyd2hjclRHOA?oc=5) · American Banker
- 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
- 2026-05-28 [Highlight: Community bank ratio of core deposits near 15-year lows - Kansas City Fed](https://news.google.com/rss/articles/CBMizAFBVV95cUxQZlY1M2xvSDREdFotRjFtdWcyNnduOGJUTks3WV9hZEY2SW4xdGE2R3VIWWlSRE9pV0FIU3h1WVZ0OEhaM25BV2VsaW5IbEZrQnBTQnJ0aVhURXc3QTN0VDBDNWMzcE5BNmJScnNTdWRXT3ljSDVHNWtEelNlY0t0cUQ0d2JnZWZhTG51UGRBaG9tZmZ2RkloTUdOTmxBYlc4b3FKX0pJdFEtYkdrSE5Cd1JWSXJ6enhlR3BvVEhZZFNHUnp4TVJuVHN4TGw?oc=5) · Kansas City Fed
- 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
- 2026-08-24 [KS Bank to bring full-service community banking back to Roseboro - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSHNlRUgzYlBieWVEQ0lkaEhnUFdNUGFTV2lRV3Z2VDBpTGJLYUx1N1k3eFlyamF5OHRkSWZMUmp5NW1qV0hac3EzZURMZXlrYXN5N0FlaXZoVllyc1dFVkVqb01rX2lYNUFuYzUxby1LZzNNak1hcVV0TWJZYTcwSHp3R2RDRjZiX1gtanM3V1RhZy1MMVpkRkIwRVM4SDRWWF82WE9BUnZiRGNHT2VQODhBU254NldCRi1jLTFXNFg?oc=5) · Greater Fayetteville Business Journal
- 2026-03-27 [Nacho Ordinary Bank - City Lifestyle](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5QdjhuVFcyY2FkaC1HYk5Hb09TZzhUSTllR29vWFQ1b1FnSzRWcHJ5UmRiSlIzWWZNcHFtUVBic1hnVnUwQ3BaeW0zbXFWa0pZdi12OXdoRUJKdkNKVmpxaVNOMA?oc=5) · City Lifestyle
- 2026-01-30 [Highlight: Community bank mergers increased in 2025 - Kansas City Fed](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPV3JnR21lZ2tpa3BjclNxNG5laURzc2Q0RXZYcVd4dXI2Q2szUU1CZmNUSF9ka0JRS1RxcTZDMzh5bmFzUjNPNDRyM0dZbndYLUJwYWlGTHAyRDhuYjFJTVNobUF2UmRRb3QtTEcwaW5zdl9LQTF0aWlvdUJyeGxKc0JiRlQ5VkRBcTUzQmxFWHBsWmVlS2FFbnNPVVFUZmM0bC1MRFFfQXlFcmdVU2tZcU5ua0FKZHJ2?oc=5) · Kansas City Fed
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34666 (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/42.json (key "34666", 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