# FIRST NATIONAL BANK
HAYS, KS · FDIC certificate 4753 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $79.9M | |
| Deposits | $67.5M | |
| Loans and leases | $28.7M | |
| Total equity | $8.3M | |
| Loans / deposits | 40.84% (p11 of band) | 68.02% |
| Liquid assets / assets | 60.98% (p89 of band) | |
| Uninsured deposits / deposits | 8.60% (p49 of band) | 8.86% |
| Brokered deposits | 4.50% | |
| Wholesale funding | 7.85% (p79 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.15% (p52 of band) | 10.05% |
| Unrealized securities loss / equity | 2.28% (p43 of band) | 3.01% |
| AOCI / equity | 1.43% (p86 of band) | |
| ROA (annualized) | -1.13% (p5 of band) | 0.76% |
| Net interest margin | 2.59% (p7 of band) | 3.75% |
| Efficiency ratio | 119.19% (p96 of band) | |
| Noncurrent loans | 4.47% (p87 of band) | 1.21% |
| Net charge-offs (annualized) | 0.70% (p89 of band) | |
| Reserve coverage of noncurrent | 90.44% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 25.48% (p63 of band) | |
| Auto loans | $857,000 (2.98% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | expense ratio p90 |
| 2011-12 | 2 |  | losing money |
| 2012-03 | 7 | capital falling, losing money, expense ratio p90, NIM <2.5%, charge-offs p90 |  |
| 2012-06 | 5 |  | capital falling, NIM <2.5% |
| 2012-09 | 7 | deposits shrinking, assets shrinking |  |
| 2012-12 | 5 |  | noncurrent p90, charge-offs p90 |

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

- 2026-07-07 [Stinson Advises Blue Ridge Bank and Trust in Merger with First National Bank of Omaha - Stinson LLP](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPVEs5ZjJqRVhJR3R1V0dPdEtvb1pzMzVmaC0xOHd6M3RmbWVmSDl2dExHUW42QnJjMFBxd1dOX1NidU8yN1Z3ZTZsQlJkRmxNUld5Ymh1MFROZVdBMldFenNiaFFUWlhZTUsyb3hVWjJoUzVHQ3E1UGx4Ylg4WHlraEV6MklVNktwSW9zRzA1Z1gtc1l6ZUYzSVJfYnc0bXZZMDdDRzBxMjRIdTBsZEJhSm0tN2lfSm1iTmRidkppazI?oc=5) · Stinson LLP
- 2026-06-02 [FNBO to buy another Kansas City bank - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxNX3hKRkN4SGZEZEkxdm1ZejE1NnJEYmJWajg4VFZQTFYxaGMxZEI4M2FOaXhfVWRMaVhzS2ZiZFpNaGo4WENuNzFlUVAxQ3Z5UV9QSkxuNERTM2pZX2N1QmJuX2d4U1NHMkcyb3l5T3JhUExSVmVmc0FlQzBrY3NzTEE1ZTJzX1Q5bFRpcGZLNHNmQmRYWUc5VUhrZ21halk?oc=5) · Banking Dive
- 2026-03-27 [Nacho Ordinary Bank - City Lifestyle](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5QdjhuVFcyY2FkaC1HYk5Hb09TZzhUSTllR29vWFQ1b1FnSzRWcHJ5UmRiSlIzWWZNcHFtUVBic1hnVnUwQ3BaeW0zbXFWa0pZdi12OXdoRUJKdkNKVmpxaVNOMA?oc=5) · City Lifestyle
- 2026-06-02 [FNBO enters agreement to acquire Independence-based Blue Ridge Bank and Trust Co. - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOcmJJblNrbnMzREFnREtQMERQRUs2bTNVTWRYNXVsZWZKOGthWEdwVnlBbUZVUjQydklleVRfNFMtcnBhY2ZhUDBmT1ZwblllNTJTUEh5QmVxQjN6dlJkVnBSMEV1WGR3bFYxd1lYZkpNWFBRV3pFcnloTnU1VUJEWWNSY1RHcnllcG84TE9aMWFQNFdXcDhSdThYaXFlbUdudG1DZ1dReUxUeGFUdDU4YU9lUjRZUEZf?oc=5) · KSHB 41 Kansas City
- 2026-06-02 [FNBO to Acquire Blue Ridge Bank and Trust Co. in Missouri - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxNd29QbENZZ01hblJRLTZfUjZjXy1GME9TSkJ2UXpqQmNueUtfQ1JWWVRlYmw5QXVEMU11RTlwVFJzSXNqTFd4bERLa2Y5U0hMWU1lN1lMc2pNS0J4Ym1JUXJNVjRtMW9rOEgzNDU1RXdfY25JX3JnMHFPYU5iRjV4SDlUX0R0S2hNbzVsZXUzUXFGNlU1X2t4Z3RUWi1HX2tlZ0otaEJ2ZHc1VjlwRVhqZ0c5c2c?oc=5) · Business Wire
- 2026-04-08 [Historic Kansas bank building to become 55-room hotel - KSN.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPbE1OYjNMMEdBdU5xR0p3SV8wWmFPdlRIblRGZHdTLVUwYVV6Sl9oa3NtdmRBNGZRY1B5bWc0X2ljZGI2QjViWHF5dnVZaG1FZVd3c2hxbWZDR2drUWFyZEdDTldfTHNhVTJIOXIzbnRxc043YUNMWmNxZ1FKZE11ZlNGS1R6bjdKaEp6WUxzX2Q5YWk4aE4wd21n0gGfAUFVX3lxTE1oSzhvWDU0N08zTXRXQXRkWTN5ZHRtRWItYktSMXVwYlVqQWJyQjFkblI5REtIRGdkZjFnbUpGZkhQQjRrS2dzQjg4RFRVTFNmM3dPUTAwSmR5LXlRem0zRERYWTFiLXRtOWE5MVpTWnRhSnc5dFBGV01tNVA2UUpfNHZIN3pWaXJlZ0l6QW05WlRsbUJYQ0RWRVJwNFNxNA?oc=5) · KSN.com
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-07-31 [Leawood bank hires former CrossFirst executive to accelerate local growth - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUTBjX0R0RGdGVk9TUzlsT1dVbVFJU0RkUWxrcTNRYkZ4SENnSlNkeFZJdDExM19kTllkby1lVjUyakJ6SEhBX1Z2QTFndmpaVjY3cmdfUGs0THVsT2lFWjlQNGtvd0ZpbG9PenUxWnl6eENEck4tcW5Gc3ZOSXVxd2NXT3dFWkd2VV9NbnFfNDBvdTNaX1hWS0o2TUU5Tm1pQm5seWFR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4753 (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/17.json (key "4753", 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