# CONWAY BANK
CONWAY SPRINGS, KS · FDIC certificate 4649 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $136.1M | |
| Deposits | $119.5M | |
| Loans and leases | $97.1M | |
| Total equity | $9.5M | |
| Loans / deposits | 79.94% (p64 of band) | 72.28% |
| Liquid assets / assets | 25.82% (p32 of band) | |
| Uninsured deposits / deposits | 13.77% (p28 of band) | 19.31% |
| Brokered deposits | 3.75% | |
| Wholesale funding | 8.49% (p82 of band) | |
| FHLB advances / assets | 4.73% | |
| Tier 1 leverage | 7.69% (p2 of band) | 11.62% |
| Unrealized securities loss / equity | -18.11% (p26 of band) | -7.15% |
| AOCI / equity | -0.79% (p37 of band) | |
| ROA (annualized) | 0.39% (p16 of band) | 1.12% |
| Net interest margin | 4.34% (p72 of band) | 3.86% |
| Efficiency ratio | 80.73% (p77 of band) | |
| Noncurrent loans | 5.35% (p97 of band) | 0.34% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 29.68% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 33.63% (p67 of band) | |
| Auto loans | $493,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.8% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2011-09 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2011-12 | 4 |  | reserve under noncurrent |
| 2012-03 | 5 | reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 5 | charge-offs p90 | reserve under noncurrent |
| 2012-09 | 3 |  | uninsured deposits leaving, charge-offs p90 |
| 2012-12 | 3 | reserve under noncurrent | capital falling |
| 2013-03 | 5 | deposits shrinking, assets shrinking |  |
| 2013-06 | 4 |  | reserve under noncurrent |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 4 |  | capital falling |
| 2014-03 | 5 | uninsured deposits leaving |  |
| 2014-06 | 6 | reserve under noncurrent |  |
| 2014-09 | 5 |  | reserve under noncurrent |
| 2014-12 | 5 |  |  |
| 2015-03 | 1 |  | losing money, expense ratio p90, assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 | expense ratio p90 |  |
| 2015-09 | 3 | losing money |  |
| 2015-12 | 5 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-03 | 3 |  | expense ratio p90, losing money |
| 2016-06 | 2 | expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 1 |  | reserve under noncurrent, capital falling |
| 2017-03 | 2 | wholesale funding >15%, reserve under noncurrent | expense ratio p90 |
| 2017-06 | 2 | capital falling | reserve under noncurrent |
| 2017-09 | 1 |  | wholesale funding >15% |
| 2017-12 | 4 | wholesale funding >15%, losing money, reserve under noncurrent |  |
| 2018-03 | 2 | noncurrent p90 | capital falling, wholesale funding >15%, losing money |
| 2018-06 | 5 | leverage <7%, losing money, expense ratio p90 |  |
| 2018-09 | 5 | capital falling | losing money |
| 2018-12 | 4 | deposits shrinking | leverage <7%, capital falling |
| 2019-03 | 5 | leverage <7%, losing money, charge-offs p90 | expense ratio p90, deposits shrinking |
| 2019-06 | 6 | deposits shrinking, assets shrinking | leverage <7% |
| 2019-09 | 4 |  | deposits shrinking, assets shrinking |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2020-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2020-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | noncurrent p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 3 | capital falling | charge-offs p90 |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 6 | expense ratio p90, assets shrinking | capital falling |
| 2022-12 | 8 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 | charge-offs p90 | AOCI drag >20% of equity, expense ratio p90, assets shrinking, deposits shrinking |
| 2023-06 | 4 | deposits shrinking | uninsured deposits leaving, charge-offs p90 |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | charge-offs p90 |  |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 2 | capital falling | reserve under noncurrent, noncurrent p90, securities losses >30% of equity |
| 2025-06 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2025-09 | 3 | noncurrent p90 | charge-offs p90, uninsured deposits leaving |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2025-12-22 [The First Security Bank Has Agreed to Acquire Conway Bank - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTUpURE9ZejFmMlRtT0szN3BuMU1qTXBWZFhoSmo0RkJ0Zno5S3M0NVEzMFpONFlEQmtoSENoOHdHYXRsOXQ3ZURVVXVWdTllTXY3T05ncHl4cmhIZnRqZS1PaGE5bUM0cVRWVFI3Mi10dTFQQkVkYkRiV2M4X25ZbGlWLTNiV0doRFozNDVhQUZTb2NtZjB5OGN6dVQzX1psMkZheVRvQXJWekN5dkVIYmdETQ?oc=5) · PR Newswire
- 2025-12-26 [First Security Bank to double in size with acquisition of Kansas-based Conway Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQd3ZZSlNwUnJyYldFUGEzQTB0SVZVS1RQdGtvVm1OR1JGakhWT3d6T3F4UWFINV9ISWEyMlVjQUZfWEtOVmpmWmcxeVVubmMtQVotVUg2THNWNWduZWVxQ1BfTERrRFgwMU1uVS1EWFFESGpPU3hKZTVxX0FmeER5QndPUWJUbmxmbGdYRUJpMnJ1TTRfNjZJTFBFM2dDcEhNNENMWjlqMA?oc=5) · The Business Journals
- 2025-12-23 [Overbrook Bankshares agrees to merge with Norcon Financial - Retail Banker International](https://news.google.com/rss/articles/CBMihAFBVV95cUxObjR5NWNGcHdadnBpbW5PRE03RzlCQ00wWm1FOWFibTdVaTJKV0JHVm9ON3BxZWRkN3MtNExjeDVaQllzVUpIMDlXY0NJSFhfTVhtT2s1b1o0VUhQejZOTm9DSDhtRFpzWTB5VmJZMjRPYktoazNjcVdEZFJISk8zQnc5Mms?oc=5) · Retail Banker International
- 2025-11-13 [North Conway TD Bank branch to close in January - conwaydailysun.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPZkR4OGZWdG9oMWx0Y0o0NjRvbVRJdzM1czVnSzNseFBmeHNSNDNFcDNZc1U4b3FiSUs0Q1J4WlpTc1QzT0RrNUlWRzdLSWNrUjU4Z0NvM3dETXN2Q1l6b3NUT1NydUhiNENlOXl0eTNMU1pDVUVJOXVPcWRwNWs5MEtTVW1lX0JPZE45NmJLYUFQUWdfZ3RTZElmc0FxVjdoS2V1eXJYeWx2QmdxdFU0WlN1M3pJb1FpX3lfSmtORDdwdXdMeFpUT195NW9DUGxqYUlGdzd3?oc=5) · conwaydailysun.com
- 2022-01-28 [2022 CFO Honoree: Susan Beatty, Conway Bank - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPTnlycVlwNVhfUlVCZGd5V0RVd0dQVkhMLW53dGRGT1hNbHd5akg3aWRnRVlXUUtCTzRQVEdYRmpxVEhycUsxUWwyLUNPZHRFRllmTm9BcWV1WlZXZjM1aU0tSXlPTk1nRzJwbkllYmJpYWhVNW5xQUpNSVEzY01sUjdKQnF3eHk1SU9mMG42a3gwOGt4bGlRTFYzQ1dlZw?oc=5) · The Business Journals
- 2018-10-12 [Man accused of robbing Wichita bank he robbed 7 years ago - WIBW](https://news.google.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?oc=5) · WIBW
- 2018-10-12 [He robbed a Wichita bank 7 years ago; now he’s been charged with robbing it again - Wichita Eagle](https://news.google.com/rss/articles/CBMibkFVX3lxTE56VU5DZmhvQVZHSUxLYk14VUltamtEZGV3Rld1OUp2MGlaY3R0NnE1N2U3eTRNMHJVUzlnVE52RUZkVllodVZJVENvdEFudV9FeGhsRUZINlE0TzlCYjB1UWUyODFud0pNb0s5aE5B0gFuQVVfeXFMUHdxT1B0N1h4SUoyTXY2Zkw4XzA5YU1TSFJlUjlocWg2WHVRWXRhU1B0TVVSTlVLSVNuX3EyYkxuY0VIT3plWkxwMHluWmItN1VJaUJMSGNFZGhYYnkwTlo4cXRDbDdEeGRlLTQ2bHc?oc=5) · Wichita Eagle
- 2015-08-18 [Home caregiver accused of stealing $60k from blind woman - WMBF](https://news.google.com/rss/articles/CBMinAFBVV95cUxQLWhQNXkyYW5VNmI4YnBuclBUTUtTa3l6c1c0R29KRDZyQ3kzMjNKNk5tNy1OVjh3T080T2lJYzNEQy1ZUUowdENNa3lpT3RJSHdVal9xS3h2YlpsRkVIYUtJRTdDRmUwS2VCem9GOWYtQVVYSWVoazdkLUxPWmp6eXpFdndMZFlNOUI5YlFGZjNySFBUVE9DQ3h1c2XSAa8BQVVfeXFMT21hZ3dhMUJqNXR1bUZrRWJTaGZIa1NTdWo5eC1PcTlMY2F6bGNja2k1cEt3R082ekpPbkRJS0xjQmw0VV9zcm9ZR2tORmhtV0hWU3ZxVWpFZDE2SVFlc1M2MmlPM1Izd0ktS3JQUzlsazhDbWRxMWRpTFVGbkNEWWtpMUY1M0VQSFctTWxKWjRnYzcxNmdBaXpGN2hhYVpQNHAxT0ZHZ1FSZ05GZGdXRQ?oc=5) · WMBF

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4649 (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/41.json (key "4649", 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