# FIRST BANK OF NEWTON
NEWTON, KS · FDIC certificate 4738 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $202.3M | |
| Deposits | $174.7M | |
| Loans and leases | $157.5M | |
| Total equity | $25.3M | |
| Loans / deposits | 90.14% (p76 of band) | 77.79% |
| Liquid assets / assets | 17.10% (p17 of band) | |
| Uninsured deposits / deposits | 15.09% (p46 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.54% (p18 of band) | 11.56% |
| Unrealized securities loss / equity | 0.04% (p24 of band) | 0.80% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | 0.60% (p22 of band) | 1.05% |
| Net interest margin | 4.36% (p78 of band) | 3.84% |
| Efficiency ratio | 73.42% (p61 of band) | |
| Noncurrent loans | 1.44% (p76 of band) | 0.56% |
| Net charge-offs (annualized) | 0.14% (p85 of band) | |
| Reserve coverage of noncurrent | 2.55% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 15.99% (p50 of band) | |
| Auto loans | $10.0M (6.33% of loans; DQ 1.98%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 44 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 2 | capital falling |  |

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

- 2019-05-02 [Intrust Bank to acquire area bank - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPOWcyZTFkS0ZfQnNULV9leWlrNUlnOGo5eWg5UlozZ1JHWUd0Vko5UE1pdUtDck9JXzk4dmVQRW5kTmtuQWRVd2RRMC16QUh1dlV6dTFCbl9aVU5vdE50QnlTR3dfSEZxeHBicTN3bjRpN3Q4SDZqdWNacnZxMEMzTDhKVmg3am1LdDFuczVIX2JRdzF0?oc=5) · The Business Journals
- 2026-01-12 [Russell S Naylor Obituary Jan 12, 2026 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE13WlBYbS1RTkhQZERDbno5REEycXViLVFmRXNoeERLci1fcTRMVXFWMEVmQlhnbUV5RW9kYnpxcjVPWU10MGFfdzd6d2FON0FNcG5LV2FRTkh1X0tmVHNSNHBnOG1aNnJMN3FTNll4VEgzQ3c1Mmc?oc=5) · Petersen Family Funeral Home
- 2022-05-11 [Janet L. Daily Obituary May 11, 2022 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9maHZzeHRNdFU3TTVVVEk1RVIteS0tRFdyMTJfQ3k4eG1HYktoZUx6QndLYzVKZVUtdlVscmJWUjM4VUQ2VFMtN3NLaThuNHR1RUllX1hfTmpWS2JqZ3RvTnpQc0gtMzMtWE90RkVSbkhUaXJw?oc=5) · Petersen Family Funeral Home
- 2023-07-31 [Amy Mitchell, Intrust Bank - The Business Journals](https://news.google.com/rss/articles/CBMiugFBVV95cUxOLU56R05NLUtjaVphTTR0WjVpaEo5Zy1WRkh6em5DcllpalZYeHh1RHBaYmpLclFqQnRVc2diTDhod0NYd1luX0tGMFlZMjU5ZWdjM1VQby1RMkhhTF9XQmRNaGtNLTZrMHlDMHU3NkhrYjZiSUhVZEc4WVFYRlFjTFNzV3daVkVDNUg4Zkc3dU9GWWYxOE9lOWp5T2NqQ29rUVI3ckg0OEh6aGRPMHN3VFkxWi1tTlA0b1E?oc=5) · The Business Journals
- 2026-05-12 [Pamela Hopkins Obituary (1949 - 2026) - Kansas City, MO - The Kansan - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQOXRSd2VCNnlBa1Fsd1dJZGhYc09JVTNKakhRZG5LMTV4Ul9jNUUySXpNd0txRmdVbzVpSlBsWUlDZTFPa1NYclp3Vlo1UWMxX1h2UkVCZHVwRVF5b28wWlVySGU2UmhvTXhaSnh1Nk5Kemk3RmdHdzJwVHBfVHBOZTFjeUZsMmFoR2x4dTMtQkg?oc=5) · legacy.com
- 2010-07-15 [George Chandler Obituary (2010) - Pratt, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVUlRUWpMM0hkckx5RHJHVjlPcU1zS2lubnltdEdPa3ZhaVprT0Y1eE9GTnc3elNKSkhFdXRVdWxQR2w4N28wbnJBX2Y4eFF2TnlwcE02WmJaaWRYaGx5dDdPTUZqRS1IOTVYTmozM3l1dmlHVjRmMjdXdUwtM1E1MFc3RDg5NGJzd1I4ZHpn?oc=5) · legacy.com
- 2006-10-22 [James Decker Obituary (2006) - Wichita, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQYTN3ZmZKZU5UR1ZzaTJOX0FXbENDaF9Wd3dVRzkxRzNvTWtLNlVCMXV3SV95V2xCYlhQWkVhaDczZnJlX1Zyd2V6cW5NUUFUeXdTczRWR20wY0dMVm54U3pQN1A2TVp0YVpoR0dWUHdScUxlRWNRNUdyR3JPamNpYXhUOEtjdUlibHc?oc=5) · legacy.com
- 2006-10-22 [James Decker Obituary (2006) - Edmond, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPOVpoUWpmdWNFOTJ4VlVmWmo1bGpJalp3M1FLRFdJWHI4VGlUVEdibER6SVBock5kZnRWSVk1blRzUFFMcklQbzZva1RkU0dvRTV6R2toMzIzSFduTXFlNXg2enlPTmhfb1dnOU1GODYxV2FyOUdfYndIV1JndE5VWjVCVm9IMHFNSi1WVEtB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4738 (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/2.json (key "4738", 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