# PEOPLES EXCHANGE BANK
BELLEVILLE, KS · FDIC certificate 4629 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $62.7M | |
| Deposits | $41.4M | |
| Loans and leases | $42.5M | |
| Total equity | $8.8M | |
| Loans / deposits | 101.24% (p92 of band) | 74.58% |
| Liquid assets / assets | 22.89% (p31 of band) | |
| Uninsured deposits / deposits | 14.57% (p52 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 19.49% (p96 of band) | |
| FHLB advances / assets | 18.09% | |
| Tier 1 leverage | 10.98% (p54 of band) | 10.79% |
| Unrealized securities loss / equity | 2.71% (p57 of band) | 2.02% |
| AOCI / equity | 0.45% (p34 of band) | |
| ROA (annualized) | 0.89% (p52 of band) | 0.86% |
| Net interest margin | 4.09% (p75 of band) | 3.65% |
| Efficiency ratio | 75.07% (p57 of band) | |
| Noncurrent loans | 0.03% (p16 of band) | 0.67% |
| Net charge-offs (annualized) | -0.01% (p22 of band) | |
| Reserve coverage of noncurrent | 5463.64% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 3.71% (p26 of band) | |
| Auto loans | $502,000 (1.18% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 | loans exceed deposits |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling, assets shrinking | loans exceed deposits |
| 2012-06 | 3 | loans exceed deposits | capital falling, assets shrinking |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | loans exceed deposits |
| 2013-06 | 3 | loans exceed deposits |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | loans exceed deposits |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 | loans exceed deposits | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | capital falling, charge-offs p90 | reserve under noncurrent, loans exceed deposits |
| 2015-06 | 1 |  | capital falling, charge-offs p90 |
| 2015-09 | 2 | loans exceed deposits |  |
| 2015-12 | 1 |  | loans exceed deposits |
| 2016-03 | 1 | assets shrinking | wholesale funding >15% |
| 2016-06 | 2 | loans exceed deposits, wholesale funding >15% | assets shrinking |

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

- 2011-09-09 [Roger Kepley, a former Intrust Bank executive, to lead Rose Hill Bank after sale - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRjEzTnVramIyNHprYzFKa2xnYUxtTUhQT3FtdWwyRC1GNUpkckdPWlJQR1hrbnR3VDdTVWQ5blpFMnBPcHZpbVpMR2xZYzhNWHg2b0Y4MnZiNTY5MFgzZjV2MlRYV2FZOHlyMGJXVk9VTmFEemNNOEtDakE1U1lSUDVZdWVuTEpNTGd3ZE9WWVJjYzl6T096Tm8tcmhtYTBHNEE?oc=5) · The Business Journals
- 2023-07-08 [James "Jim" Koch Obituary Jul 8, 2023 - chaputbuoy.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE8xZHNMTmZvbXFKcWZHY0c3eEt3YnI3MXB1bFZNdG1ZenhERUpTUUVlUV95V3BUcTRwTmNYYzh0cWR6NE1USFlrUTdKSTM0SW40OVFRVGZhQ21SODFW?oc=5) · chaputbuoy.com
- 2011-08-15 [American State Bancshares acquires Rose Hill Bank - Great Bend Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRlh0eV9OVlZZaHhGZlhmcXVXTjJ0eVh2bFpaNGZLNFlXWkYxWWgwaGg1ZzBRSWNrX3E5THBoN0hHbFRBSk11NkY2am03X1R3NThCNUFIOGZfTTV1TWhmVHdNRmFRNlFMSUpxdGYyYlBFNEdHNUVlYmN6VlFmUjdMSVJuYTcwY0U0eXZvYWVRbkltVUFm?oc=5) · Great Bend Tribune
- 2011-11-16 [Rose Hill Bank officially part of American State Bancshares - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxOazBHMThfWHhNTU1nelNsVWF4NjNyLU5sWUVMWVc1OUxTZUJMY1l1ZDAxVkxBZ2tFQV91QW9KZU5VSkpjYlBKNk8zYmx4aHUyMTlEY3dDRFYtRXI1SlRKUTBvRU1BRm9CVXk3dDd6eGtSMF9qQXFVODhIeHBwZWJ6TjJxemdKandoajlQR3dCbzM?oc=5) · The Business Journals
- 2017-09-02 [History in Hannibal: Folktale relates town’s horror over Meeks’ family murders - hannibal.net](https://news.google.com/rss/articles/CBMirAFBVV95cUxOd2ZnYlBvZ0VzZ256S2phLUwwR0Q2R01KaktlMTBFMlE3bllMZTNxd2RCbXFlUWd4RlNtMmZnVVRBSFBuN0tZV0F3SkdBd0R4Zmk4cldHNV8yekt1N3V0blV6QnF1X01MNTJsRVlZc0tGMVUwNU5yekJ1cDBqY1U1NFdzV3Z3UDQ4a1ZPaTY3T3J4NlhKenlxVWFBRTA4LTVIdkZkX3lXeUY0RHRa?oc=5) · hannibal.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4629 (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/21.json (key "4629", 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