# FIRST NATIONAL BANK IN PRATT
PRATT, KS · FDIC certificate 4760 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $102.0M | |
| Deposits | $85.5M | |
| Loans and leases | $48.6M | |
| Total equity | $11.0M | |
| Loans / deposits | 56.15% (p20 of band) | 76.78% |
| Liquid assets / assets | 46.41% (p78 of band) | |
| Uninsured deposits / deposits | 26.37% (p85 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.15% (p62 of band) | |
| FHLB advances / assets | 3.43% | |
| Tier 1 leverage | 10.87% (p45 of band) | 11.19% |
| Unrealized securities loss / equity | -9.53% (p10 of band) | -2.38% |
| AOCI / equity | -4.07% (p15 of band) | |
| ROA (annualized) | 0.86% (p40 of band) | 1.00% |
| Net interest margin | 3.17% (p18 of band) | 3.78% |
| Efficiency ratio | 70.16% (p52 of band) | |
| Noncurrent loans | 2.67% (p89 of band) | 0.57% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 50.27% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 33.43% (p68 of band) | |
| Auto loans | $425,000 (0.87% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 5 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 4 |  | losing money |
| 2016-12 | 1 |  | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 4 | capital falling, losing money, charge-offs p90, reserve under noncurrent |  |
| 2018-03 | 1 |  | capital falling, losing money, charge-offs p90 |
| 2018-06 | 1 |  |  |

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

- 2010-07-15 [George Chandler Obituary (2010) - Pratt, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVUlRUWpMM0hkckx5RHJHVjlPcU1zS2lubnltdEdPa3ZhaVprT0Y1eE9GTnc3elNKSkhFdXRVdWxQR2w4N28wbnJBX2Y4eFF2TnlwcE02WmJaaWRYaGx5dDdPTUZqRS1IOTVYTmozM3l1dmlHVjRmMjdXdUwtM1E1MFc3RDg5NGJzd1I4ZHpn?oc=5) · legacy.com
- 2024-02-11 [David Chandler - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPSkxwN0J6anhIMmo0TXJEQ0lMSWVlZlE3SzQycWV3STE4TDV2VGg0bV9IQ0lOUi1FUDNmNk1pd2Fna3dxVGU5Z3UwV3BqdzllX25VbFFnc0g0QmNob21zZy1ERGZPUXBTUEFpS1Rta0FtLVVublZnQjZFUTRTVWhyc2x0N2F2RUFiU1gtUEdObmx1UQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4760 (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/24.json (key "4760", 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