# FIRST BANK OF BELOIT
BELOIT, KS · FDIC certificate 4630 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $105.7M | |
| Deposits | $85.2M | |
| Loans and leases | $70.6M | |
| Total equity | $11.6M | |
| Loans / deposits | 81.49% (p68 of band) | 70.65% |
| Liquid assets / assets | 28.71% (p37 of band) | |
| Uninsured deposits / deposits | 21.15% (p57 of band) | 19.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.05% (p80 of band) | |
| FHLB advances / assets | 7.10% | |
| Tier 1 leverage | 12.68% (p62 of band) | 11.50% |
| Unrealized securities loss / equity | -24.54% (p29 of band) | -11.46% |
| AOCI / equity | 2.77% (p72 of band) | |
| ROA (annualized) | 0.98% (p49 of band) | 1.00% |
| Net interest margin | 3.39% (p37 of band) | 3.68% |
| Efficiency ratio | 65.52% (p42 of band) | |
| Noncurrent loans | 3.75% (p96 of band) | 0.28% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 41.49% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $242,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 3 | capital falling | deposits shrinking |
| 2013-06 | 1 |  | uninsured deposits leaving, capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | losing money, charge-offs p90 |  |
| 2014-06 | 2 |  | losing money |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | reserve under noncurrent, charge-offs p90, uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, deposits shrinking |  |
| 2016-06 | 1 | losing money | capital falling, deposits shrinking |
| 2016-09 | 0 |  | losing money |
| 2016-12 | 1 | assets shrinking |  |
| 2017-03 | 1 | expense ratio p90 | assets shrinking |
| 2017-06 | 2 | assets shrinking |  |
| 2017-09 | 1 |  | assets shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent |  |

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

- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2022-10-31 [Announcing Federal Resources for Kansas Law Enforcement - U.S. Senator Jerry Moran (.gov)](https://news.google.com/rss/articles/CBMirgFBVV95cUxPNjZUR3I0Sl90WFMxMGFsWXl3UG1vbExrcnl6RUFFcHpRem90aHYzQlVLcGVOSVgwNXhaSndkTWpJZVpYSVRFSGtGcUdnb0tHQjE0TUt5d2Rpd0tJNmowcUN0dFpuVURsMW1JQUctRFc0ODJJanp2RWlUZDNvX1hvWThwZm1ieHp5RTlmUWVGR2ktVU9aY1JaOXpjN19GR0tlY2tOU2k2MWFxWTRmZ1E?oc=5) · U.S. Senator Jerry Moran (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4630 (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/22.json (key "4630", 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