# FARMERS BANK OF OSBORNE
OSBORNE, KS · FDIC certificate 4748 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $67.1M | |
| Deposits | $56.1M | |
| Loans and leases | $39.5M | |
| Total equity | $8.5M | |
| Loans / deposits | 69.36% (p37 of band) | 76.58% |
| Liquid assets / assets | 37.17% (p64 of band) | |
| Uninsured deposits / deposits | 13.72% (p38 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p63 of band) | |
| FHLB advances / assets | 3.32% | |
| Tier 1 leverage | 12.74% (p66 of band) | 11.42% |
| Unrealized securities loss / equity | 1.65% (p71 of band) | 0.65% |
| AOCI / equity | 0.41% (p24 of band) | |
| ROA (annualized) | 1.52% (p79 of band) | 1.01% |
| Net interest margin | 3.79% (p49 of band) | 3.82% |
| Efficiency ratio | 59.98% (p23 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.52% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 59% | |
| Construction % of loans | 0.54% (p17 of band) | |
| Auto loans | $348,000 (0.88% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | reserve under noncurrent, assets shrinking | uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, assets shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 2 | capital falling, reserve under noncurrent |  |
| 2016-09 | 2 | noncurrent p90 | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | noncurrent p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |

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

- 2024-02-20 [Cheryl Bihlmaier Obituary (2024) - Osborne, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimwFBVV95cUxQY1JDMy1GQXgwSmVIMjJYdWd0R0ZnTUZ6QWlUZnZQYVdQeGRJNzFCbHVwSjBkMHBNOWUtTFNqNTd0Y01Xc252OE5oVGdOSHFZUTBVU0liV3RIcEFKcHNrajZUNE1wV2NqWFd3bENtaHFFN0J1VHpvQldZNnpva01VVzk2VGNxSkZBbS1pNkRwNk1hb3luNkVGRi1CUQ?oc=5) · Lawrence Journal-World
- 2012-05-30 [NATHAN BIHLMAIER Obituary (2012) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNLWhFelhLZktFQ3Y1V0dDSGlKOWRFUktEbXFkLWlyODloTjVDbVNOV1NlU2c1bktQaUR6SXd2RllHQ3hjLXhRY0pGMmVhVnJsa3hfQ1BZLU1Pcm9DM3lXeDk5dktHWU56Y2dlQTU5N291YnlwM0pubEl4Qk5YWXBHeld5bllfZnRTdmJMRjRnZE5maWM?oc=5) · legacy.com
- 2021-10-10 [NATHAN BIHLMAIER Obituary (2012) - Cambridge, KS - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWmFzTDB6Zi05b3gybWlXSXpOUG1CVzJ4M1hWeFhmNV81UmdlaksxSTQxMVZpOFQxX3VkTmhBcGQzX1FJZ2ZCajVFMm5vQ3pfRGt3aVdtTVdCbkoydzVZTFlQTmVwMF9uYVYzMU40TjQ4UVF5SnJwQUF4UGhBdUVsNzhIOVJ4ejg3bmE2VXg0elplSWFlbFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4748 (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/12.json (key "4748", 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