# SOUTHWIND BANK
NATOMA, KS · FDIC certificate 4735 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $186.6M | |
| Deposits | $172.8M | |
| Loans and leases | $93.7M | |
| Total equity | $12.9M | |
| Loans / deposits | 53.37% (p23 of band) | 73.59% |
| Liquid assets / assets | 47.10% (p75 of band) | |
| Uninsured deposits / deposits | 33.21% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -63.00% (p4 of band) | -6.57% |
| AOCI / equity | -1.57% (p17 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 3.74% (p39 of band) | 3.93% |
| Efficiency ratio | 50.13% (p14 of band) | |
| Noncurrent loans | 0.74% (p64 of band) | 0.36% |
| Net charge-offs (annualized) | 0.14% (p90 of band) | |
| Reserve coverage of noncurrent | 208.37% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.3M (2.50% of loans; DQ 1.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 0 |  | capital falling, NIM <2.5% |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2016-03 | 3 | assets shrinking |  |
| 2016-06 | 1 |  | reserve under noncurrent, assets shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | assets shrinking |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | capital falling | reserve under noncurrent |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | reserve under noncurrent |  |
| 2025-06 | 2 | assets shrinking | reserve under noncurrent |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-07-27 [Tuesday is Last Day to Register for Russell's Lemonade Stand Challenge - KRSL.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxONTRuRU8zZExtV2VDb2xjcHVJbDd2cWRoeHhyWXhyaWJGZ2M1cEhzWU1VSmxsaUlYX3hvbTljMnFsV3NHZlB3MThMRzJ1YllfaG5KeWJsT2I2QkJFOWNvbExmYUhLbXBDakZrWWdFNjI4THZEZDM3d2lvUEtSYVNiTzBDcFJmdGNXdUZKTXQ3Yw?oc=5) · KRSL.com
- 2026-07-30 [Michele Renee McNelis Obituary (2026) - Russell, KS - Pohlman-Varner-Peeler Mortuary & Monuments - Russell - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSG9sTGRuODZyRzhlek5iYTV1RlFTelJxQjhBTTQ1T1FCc2dZalRDN3hJRXFlbTg4R1VHM2NieS1haElSbjh0R0t1dmUwcEJMWXZzaGVVaHA3aTR0a2RDSGRCVjh4YnFmc1dfX183UlJ3N1ZzS3FmUWhoMkRlNnJMeFg3bk0?oc=5) · Legacy obituary
- 2026-05-05 [Russell's Feeding the Future Program Returning This Summer - KRSL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQN3BSczVzeGx1aVYwZ21uMXEyVFc4bWNGaHcwR0MtdWVhOW9heDlwRGE1bm05OGYzSXVXNmhEd3EtbUNXTWc0YjFQVm1faTdQQ1U5c0NETkdzMFAtODR4SGluR2VPQmJwenN2bzNsTlNFaFlQR2ZXWmhqTUJEemYtYQ?oc=5) · KRSL.com
- 2022-12-27 [KBA honors Citizens Bank of Kansas for long-time family leadership - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPN19RUGM2VlZFRDhYX3YySXotSEsycHcydUtEWWZuazQxc0tXVDNUSlFsWWhxVUJKLXRHVmVNT3B2Ym5XVmZBSWxTTnFmZUh1QUhtazBiNnBadDNlNkpwR0JkN01ZUnB5eGhReFZKN051MEFwRVhLZHJBRTJZaEhoalR2eDlzWWZCODlVSmVNVDNzdmp0?oc=5) · The Business Journals
- 2026-04-27 [Russell County Leadership Announces Next Class - KRSL.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE4tRlhhTUlyZG5na2dfeGRSS3lRSndQa2FTNkhlNWhfckZiTmJSZ2lFZVh5NGZaSWZ0SVhwR2lTc0p4WVRQSlN0clVrMW5McjdJYm9zR3VnOWRBSlBPY1RpYzZJaUhTUXRYY3JxOXZNNUxSQkdpM0tnSA?oc=5) · KRSL.com
- 2022-01-25 [Four County Fire relief updates - High Plains Journal](https://news.google.com/rss/articles/CBMia0FVX3lxTE5NcUpPTklIWG1yQjFGdFZTdUswR3hFeHpPUC1OMUtCWWRUN1VZNkhJdUl6WEhxM1k2NHBRYVhpS0U4YnJoc2t3c2M2Z280Q2pzTnFRcDB3VnFtZGkwOVBTcmgyMHh2eUdNQjlB?oc=5) · High Plains Journal
- 2024-10-07 [Fire, Smoke and Flavor BBQ Team Raises Funds for Russell Internship Program - KRSL.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNcU56OWZfczNwN1ZxWE92akVjZkVjeThVcF9CQ2xFUGUwZnlkazFNMlN2eVVZSUVIaDlnNjJnbHdpbjJlNVVyakl2Xy01anh1am1zcUFWeDNmRW1MMXZmMEtiT1ptTTFYVlhNd1MzMXNDR0NTRnhDczdENkhDVjFtbWRXaUFHeTdtZGc5RnNNTG5FWjNDZHB3dU84WDFQQQ?oc=5) · KRSL.com
- 2025-06-26 [Lemonade Stand Challenge Results Are In! - KRSL.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBHZFVEOTZBS1NfZW5VN0U5eU9CTU95bVE4Z0NvWWF3QTFRVEdTc2FvNGI1ZFJtQjNSR05wMy1GQzNIUTRHc2xyNzN6WFktVk4wbDlyV3J6N3ZkMWduWW52cHlTc3hjbnBxY2x3S2dkXzQ?oc=5) · KRSL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4735 (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/63.json (key "4735", 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