# BANK OF THE PRAIRIE
OLATHE, KS · FDIC certificate 4626 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $120.6M | |
| Deposits | $93.6M | |
| Loans and leases | $84.8M | |
| Total equity | $23.0M | |
| Loans / deposits | 90.55% (p80 of band) | 75.62% |
| Liquid assets / assets | 13.84% (p8 of band) | |
| Uninsured deposits / deposits | 19.32% (p62 of band) | 16.17% |
| Brokered deposits | 0.53% | |
| Wholesale funding | 3.60% (p64 of band) | |
| FHLB advances / assets | 3.07% | |
| Tier 1 leverage | 9.74% (p23 of band) | 11.43% |
| Unrealized securities loss / equity | 1.98% (p72 of band) | 0.53% |
| AOCI / equity | 0.68% (p71 of band) | |
| ROA (annualized) | 2.27% (p95 of band) | 0.92% |
| Net interest margin | 5.65% (p99 of band) | 3.67% |
| Efficiency ratio | 54.91% (p13 of band) | |
| Noncurrent loans | 0.51% (p47 of band) | 0.57% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 1.17% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 30.13% (p66 of band) | |
| Auto loans | $324,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -19.1% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 2 | expense ratio p90 |  |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 2 |  | expense ratio p90 |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 1 |  | deposits shrinking |
| 2014-03 | 2 | losing money, expense ratio p90 | reserve under noncurrent |
| 2014-06 | 0 |  | losing money, expense ratio p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | wholesale funding >15%, capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | construction >100% equity | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 3 | capital falling | charge-offs p90 |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | capital falling, charge-offs p90 |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 3 | reserve under noncurrent | charge-offs p90 |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | charge-offs p90 | wholesale funding >15% |
| 2019-06 | 4 | wholesale funding >15%, deposits shrinking | construction >100% equity |
| 2019-09 | 2 | construction >100% equity | reserve under noncurrent, wholesale funding >15%, deposits shrinking |
| 2019-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2020-03 | 3 | reserve under noncurrent | charge-offs p90, uninsured deposits leaving |

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

- 2019-10-17 [Country Club Bank Expands To Olathe, Plans To Acquire Bank of the Prairie - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxQUHlkbGJlSWxwaUl3Z1JieDN2VTZpTTNBaWZqVDVDU08xczlSWFNXWGkyN09rZVJOOC1QSWxjWVltVUJMV2wydnJmTEJIbkVkMGFUcWFXaURvRmhTLXRsbFVGMWZQdjRnSUdDRmVHOTh2bmxoZHV3VFVhaXUyWmpSeElMX3UwbDVCdHZibXhqQjc4eUx2T1phWU5QRzZSWmRuSnczZmF2Zy1EUzMtS0M1eklYVjVuZUpLSFpydWdnc29ReHp1dlY0?oc=5) · PR Newswire
- 2019-10-17 [Acquisition gives Country Club Bank its first locations in Olathe - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQQ2hxOTMyV2NXYWFGQzB3SHJnOUptblBIaVVTWHZiRmRpLUNJRmpiSTU5bFlLa0E2R1FMWXo0NXA1RGE4OTNkT3g0ZmMtMm4xN3FURXlCeXBRLUZscXBjLWs1ZUh5THNTTlZQZXhBNzBEdVJBLU1aUHk0OUlYWktSS3NudWVMVEJFYUNrZy1DY1luLU5TRFg4LTRseFJ2UXRfamJBY3V1SEw?oc=5) · The Business Journals
- 2020-04-28 [Country Club Bank plants its name in Olathe with acquisition done - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRHlpX3JpeVNhaHBsVTBiRU9PRWVaQnJVcmFVODRpMDhtSVNuMFdibGxNV2lKNnhtRDloREk4LUlGaTFqV3k3ajJ3MG93dTBOUWxxYTlqZG0wU1BRbElyNnhWYUZ3Zk10TWMwMGlVaVl1VDZVV2hNeUtYT0IxeEdjc3M2dHlsYzE2WFhITTBWT2M0OFBKczlvbkhLWGZSTjFMOGFJWlRNajcxajhUR1E?oc=5) · The Business Journals
- 2018-09-04 [Timothy E. Johnson Obituary Sep 4, 2018 - penwellgabelkc.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1lOGhxOHhqNXBVT3NBemZOMjN6R3Ixa0hETkRHTjlhZ29ZN0VfZGRBeDc5V1FUMU9BaEV2SnhzVFJIUnNuU3RyNWg0V3hXNXNQZHZlWlB1RHNac0dfQ2gxd2k5dmdVYmZI?oc=5) · penwellgabelkc.com
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk
- 2010-11-18 [EDWIN NUTT Obituary (2010) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQkJTT0Q3NkNCa2dUdmlmZXFzQk16YmlKZGJMaHhEVnpnNFRBRWlTdjMxLUtTekhRUWpNanR2dzgzaVpmNXNzM0lMOVM2YXd3RVJYSUNBRk9jRDZTZS1UQ2J0N09tbFhyTGZSZ2hQT0dlRnBpcjNqUm5OQnFLUTdOSU1JazN3WWszcjJV?oc=5) · legacy.com
- 2019-10-22 [Behind the Deal: Country Club Bank says Olathe is just the start of expansion - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNUmZpLURzV0pKcTlkS21wSVFLTEd5UnMxejlZaUJxeEthMkdhQUQ4bm9CUGNlM0xnWDlLajBwNjNBRFVvWXF5OWlBV2ZpN3FyNlRUblZhZWhydTVmMzdXQmZwVW5HQ0hSVjFQSHBYS215ZGNMY1k2QUwxUjhweGhYRGYxblR6ZzBJY3BPclFEMzhSUGtXanFKaGNrMVk3ekFmV2ZmZG5Cai1DV1NF?oc=5) · The Business Journals
- 2005-10-05 [Colton Jenkins Obituary (2005) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOZW5MS1NqMXY2T0ZDUlp1YUJFOWJmaUJaSzFYRjVSek16Tmt6a1k2MXNGQnVoN2RObTdYc3JBV1A5bC1Gb19UQTZUaE8waDBkdG10cnN0OHZiTW1VbGR1UUh5bGNVcHVlUXk3akFGMTJ3amtyNXlrTGVTTDk0RWx6N24ya1lBVV9Ob1NldGhCNlU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4626 (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/18.json (key "4626", 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