# GREAT AMERICAN BANK
LAWRENCE, KS · FDIC certificate 35292 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $513.2M | |
| Deposits | $421.3M | |
| Loans and leases | $431.9M | |
| Total equity | $70.0M | |
| Loans / deposits | 101.59% (p91 of band) | 82.04% |
| Liquid assets / assets | 11.60% (p8 of band) | |
| Uninsured deposits / deposits | 28.69% (p61 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.90% (p53 of band) | |
| FHLB advances / assets | 3.90% | |
| Tier 1 leverage | 10.97% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -0.38% (p92 of band) | -8.10% |
| AOCI / equity | 0.01% (p81 of band) | |
| ROA (annualized) | 2.98% (p98 of band) | 1.28% |
| Net interest margin | 5.13% (p95 of band) | 3.91% |
| Efficiency ratio | 39.16% (p4 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 71.57% (p72 of band) | |
| Auto loans | $371,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $15.8M (23% of equity) (p98 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-03 | 0 |  | reserve under noncurrent, loans exceed deposits, liquid assets <10% |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 1 | reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2013-03 | 3 | liquid assets <10%, uninsured deposits leaving |  |
| 2013-06 | 4 | loans exceed deposits, capital falling | uninsured deposits leaving |
| 2013-09 | 2 |  | loans exceed deposits, capital falling |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | loans exceed deposits |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | wholesale funding >15% |  |
| 2014-12 | 1 |  | liquid assets <10%, wholesale funding >15% |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | wholesale funding >15%, capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 |  | wholesale funding >15%, capital falling |
| 2016-03 | 2 | uninsured deposits leaving |  |
| 2016-06 | 2 | capital falling | uninsured deposits leaving |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 2 | construction >100% equity |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 | liquid assets <10% | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | capital falling | construction >100% equity |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 3 | construction >100% equity |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 | uninsured deposits leaving | capital falling |
| 2020-12 | 2 |  | construction >100% equity, uninsured deposits leaving |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | liquid assets <10% |
| 2021-12 | 1 | capital falling | loans exceed deposits |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 6 | wholesale funding >15%, construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 5 | capital falling | wholesale funding >15%, deposits shrinking |
| 2023-09 | 2 |  | liquid assets <10%, construction >100% equity, capital falling |
| 2023-12 | 4 | wholesale funding >15%, liquid assets <10% |  |
| 2024-03 | 2 |  | uninsured deposits leaving, wholesale funding >15% |
| 2024-06 | 3 | construction >100% equity |  |
| 2024-09 | 2 |  | liquid assets <10% |
| 2024-12 | 1 |  | loans exceed deposits |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 0 |  | construction >100% equity, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | loans exceed deposits |  |

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

- 2021-09-14 [Great American Bank to Merge with The University National Bank of Lawrence - Business Wire](https://news.google.com/rss/articles/CBMiywFBVV95cUxOUk1DU09mTUs1a3dvb2U1ZHkwcGMwOUxNVjZibF9BQUNBLXlkQkQ1SHc3a3JURlhMR2Z0NG5scUs3TmNJenNJc09hRDNTWmVzcVd2UW1YQW44QmdWd0F6N1JOQUlYYU1PTVBuWGFlWjEzRjJXMTFycUlHSzZHYjVYRVIybjBLdTByNzhqVmYyd1V4NzhvME9EUmV4T2RrTnBFa2dXRVhJYUNkMW1TMHEwM1dQcmlGUUpvNG1vUm1TTDdJaFNWWUtGMzdLTQ?oc=5) · Business Wire
- 2021-11-16 [Town Talk | De Soto-based bank to expand into Lawrence with location along Bob Billings Parkway - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPMFpyUnNtS1ZQTG1FUmR2eUFkZm5EZGt0eHdpTW16YnNXdXp1SDlMM0F0LUdYbDhmV2wzdVM4Yjl4eVdNRnlBUm9uaXR3M3VlYzJ0akNYMDVMYjA0WGRyZS1ONDVGZjJaTkN6ZFBwMFY2endJUmxCdTNPU3JiN1owbEpzV0JTVTNPYTY1dXFlTFlvcDlrN19sNlhHSWI2VlpQX2JrSXdjRXRWVmtNM1JjUUluTk8wUmdhU1ZsMzhmVkx2dzBSZnAweWREMjZaeFVaUVpJajF3?oc=5) · Lawrence Journal-World
- 2014-08-05 [TriCentury Bank will enter Kansas City market, move HQ - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVkstNVR5TlRmUjNvQk9CaGdiTXdmUmRYNDNjZGNFT0w5RkxhN1VHdVRPaEctUE9iMFAyM0lEMm16NHhhQjlwNEl4eTAxZUZKVlNJSEV6UkJOZDJKRXVrbHFuRFJkbEdoaHFwek16bXZPdk5UajdiVTh3emRYOFNYbGxvcmxDbWVNZ1p6ZkgyT0xRTDI0MFpTekxmLUhQSWtlVW1xZFdyQ2JHWXlrdE13?oc=5) · The Business Journals
- 2024-08-22 [Former bank on this Kansas City corner is now home to a bar and music venue - kansascity.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOMDVUdXVWVlJXMWhVdmNySGxfZkNrTld2aTNfUGJvNlhRMDljdjIyeTZ1LWRCeUJqOEdBTUFRdzRzZjNOd1k4UW1mY01VQkR2Ymc4VkZBZGdQOGwzSlhSX0puRkRBbWtPTkVxazg0RWJLSUlXZ2pUd19la3AwWUNMOW11V3NfQUHSAYcBQVVfeXFMTjRzV2tRSmhxdXVFVVhTVTdQUDNRbFdWZk9yTl9nanNieXItdjAySW1oWUk5T3QwRjE1NVJOd1c0Y0tFZklPOFhMeXhSYmpTRXd6U21TYTNhUXJVRDFIbnFKRm1XVDhwUUVFc2JpQWltT2RyU0hSWFBOcWVZQjhhRWg3dnFmdEdN?oc=5) · kansascity.com
- 2021-09-17 [Town Talk | Compton-led Great American Bank to purchase Lawrence-based University National Bank; this will leave one locally owned bank - Lawrence Journal-World](https://news.google.com/rss/articles/CBMiigJBVV95cUxOUHZrOHRCRW56ZEhQcVcxQ2E2bnhKOWtSTlMxbWY0SXo1aTlIWERCZG1PTW5ydHRXVXZRcDRJbTRxbUVDMGJsUGpfQVR5MUl5dkdOakctd2FOUm1FNmx6aVg3d1JxX3BPbzVJcmNpdkt0M1ZFa2FNY0hfYnBReUd0a091RnNWLW9QTEYtanFPNWJKY2cxdlc1SlBSa1JkdHBmOU0tZ2RhUkF0M0hYZG1UNGJtcHFaY0tiNnY2QmRLU3BHS19yYm1RQW40eGY5V2Z2ZTdTa2g4QjV5X0hZcDdMc084V2RQUzQ2VUkxQnF3Wm84TElRaGstUE1CLTNtdjlIWTdWTEpRckFoQQ?oc=5) · Lawrence Journal-World
- 2026-03-24 [Here are the Kansas City area’s five strongest small banks of 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT3B5WFJSM2lfS3RVU2swU2FmWDVVLTZyVy1ab0hiOERpR2JTNVM0Zi1jUTE4LXJfNGg5YWpESmpEZFVMZVc2dklfcVBjcGg4TFRLNGwzQ0gyclF6SVRsLXctR2dITGNjU3JCY0tfVVFmY2RNSDNHSWpVVzVBa3VqTUlvUi1hSkJqS2lrbmRsdkhaeGFNa3Y1RG8tUDlUaDZxN1hlY2p5LThTWGdj?oc=5) · The Business Journals
- 2024-11-21 [Julee Smith Obituary (1955 - 2024) - Lawrence, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdUIycUM5TmJiUTJ1cVJST1dpU1pjanBZcWdwTFRVUzNPVVlQOTVRQmVBTXR6NU1ZNHdjZkd2eEtaWWJYWFhhampvSTdKdkJ2eHpUUllvWlF4bHozZTJ4UDlTTk5uZmk0eVl2RVhCQXhhdWg5X0ZkMzdhb255N18tX3VFaHpYd243OVFrVFRQeGVVODMw?oc=5) · Lawrence Journal-World
- 2025-04-02 [These are the Kansas City area's five strongest midsize banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZkJNb2VMd09oS1lsWDBwcFhiTmRaR2dVXzRwMkhiZTFhWkRidFdkd0pKX29VN2FFeGdkcVFLQW0wZ0I4T0JsNEZSLU1Wa0xVVTNQcWdJNFhxbFJlWjdLd2pTMzBEZi0tR0FjQzlBUXpLb0dXWGg2R0RXTkxqMXBfOEVMclFjVXF3empSWDVXNmIzamlfMkhaYnd2di1UNkg4ZEE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35292 (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/28.json (key "35292", 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