# PRAIRIE BANK OF KANSAS
STAFFORD, KS · FDIC certificate 4775 · asset band <$300M · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $133.6M | |
| Deposits | $121.7M | |
| Loans and leases | $81.7M | |
| Total equity | $11.2M | |
| Loans / deposits | 66.50% (p40 of band) | 72.67% |
| Liquid assets / assets | 33.92% (p51 of band) | |
| Uninsured deposits / deposits | 12.42% (p24 of band) | 19.13% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.79% (p10 of band) | 11.61% |
| Unrealized securities loss / equity | -15.58% (p38 of band) | -10.04% |
| AOCI / equity | 2.95% (p66 of band) | |
| ROA (annualized) | -0.10% (p8 of band) | 1.04% |
| Net interest margin | 3.59% (p42 of band) | 3.76% |
| Efficiency ratio | 104.21% (p94 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.31% |
| Net charge-offs (annualized) | 0.00% (p53 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 57% | |
| Construction % of loans | 13.43% (p43 of band) | |
| Auto loans | $1.2M (1.50% of loans; DQ 0.16%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2014-06 | 2 |  | capital falling, losing money |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking |  |
| 2015-03 | 5 | uninsured deposits leaving |  |
| 2015-06 | 4 |  | uninsured deposits leaving |
| 2015-09 | 3 | losing money | deposits shrinking, assets shrinking |
| 2015-12 | 3 | capital falling | losing money |
| 2016-03 | 2 | noncurrent p90 | charge-offs p90, capital falling |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2017-06 | 4 | uninsured deposits leaving |  |
| 2017-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 0 |  | charge-offs p90, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 2 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 4 | capital falling, losing money, expense ratio p90, uninsured deposits leaving |  |

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

- 2025-04-16 [Community National Bank & Trust Merge with Prairie Bank of Kansas - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNd0VYY1Q2eEF5UHhjMXNwZnY5aThaMmdGVU5EMTMwRzZTUGxSUkJnNFFPVDRCUDVMVllHOC1RNC1zUEZ6aDZtZ1ZxRGdWWENmWVVUSE1nNkprcXZDdmpFSVhJNlp1a2c5MHdmRVNDdGlGcUJxT3ZWSXRueEZaVnMyVG9kRnhlWTNhLVlWcDF1OERpWHN4eFNtRElHdzE?oc=5) · The Business Journals
- 2025-03-26 [Community National Bank and Trust to Acquire Prairie Bank of Kansas - Ad Astra Radio](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZUQzYWcxOGRtbDl0TEt4RGVEaEVGNm00U1UxZ1VZQ2RROVQ2Uk53VDRJYVJrdVJaV21MQVlXOGJzcTNQRmppWm5zTnE4SE41UmFWUjU1Ukl2WUVMcVFTWTBhdS1PNlJHUm56Tk5nOTRtMnhubVlaOW5PbW5hU2g5Y1gtdTVINEoxb0tVRl9ScG9tcHVqZXFnU0hwQ1REVnNIWUtCY05GbkdKcVU?oc=5) · Ad Astra Radio
- 2025-03-25 [Prairie Bank announces sale of Farmers National Bancshares - gbtribune.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPel9WcVM2Q19URDdrTUJuZ0FSLVU5eXlVOGJWLWo4cVJSYVBzcUttWS14ejhDZ29TZlZ2LURjLU52dC16amtzbklZR0tJUzBuc3BSYVlKb3ppU2l0bnJJejdCVlpJeWtGQWFkRDJzOE5YWnQ1bVdlQllFSzFiejJwbjZBLUZ3Nlh5aHFpdHp2SXRFZGNnbU1XMkl4SWotaUtG?oc=5) · gbtribune.com
- 2025-03-26 [Prairie Bank of Kansas Announces Sale of Parent Holding Company, Plans for Merger with Community National Bank and Trust - Ad Astra Radio](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNY3ZzV1NXMW1yaFAwbmJUTmpTYzZyanRua0xOeEV1QURnSnVYZEl0b2lOQ1NZOVhLa0Juc2w5M1RMOFVoZWF4SEJmZFNGTDJNakxYRWoxaXJERDZEQjZzbnAtMmZVY1pkSzhXTFh0clU5WUJrc0FTUnNkdVpMTjNEbmRCQ1hnZ0wxVDVSdmw5YVI5aTFiYU9sYkMtR1o2bzhaTUpwU3pkM2diZDIzelZUalViUHJsanF2MlpCcVpmQ2dYcFpFVzR4MjFGYlZpYVctUmhsT3dZblpndEdRcGJqS240YVg2LTVsNFdsTXZ4VFZnbklO?oc=5) · Ad Astra Radio
- 2014-03-30 [Business people for March 30 - The Hutchinson News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOREwzN2d6X1FFSXNoTTVrSUEzcHJvUFgwNVZyOE9XaEdVanQyWk9tYmxwT25FVU5lWW5jNUJJQ01aR1dDUFVhOENPZzk0MUlYVHNIQS1sX2N6MndvcDMwRDREM0I1Z0pJb0ZuMEpib3dDSk9TZnoybXNQY3p2VEd5TU5zMjlVV0lzWGNpRHN4VktpNURPWG1VdQ?oc=5) · The Hutchinson News
- 2015-02-23 [Leadership goal endures - The Hutchinson News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZHo3OUs3UERfR2EyR01zalRGLWVIeENCNGxRWWlwczl1OEZuazhxTGNubEU5LWktZEFaeDdlY09FSXJEMWVJTUdyUUFUczhZeElRaWRhbk95aGl0c2Y5RG1BaVItclFvS252ZGRZV2g0cnJDdWxIQmh3NnlCX3ZyendIR0RjTkZldENkU0s2aWNmZw?oc=5) · The Hutchinson News
- 2016-04-05 [FMI adds Rondeau, Teichman to board - gbtribune.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNVm1pSWhUQmE5VkxPS3lYcFNkQm15ZkVwUWxyWUw3cjAyS1JKcTdpay1wNVhUWDQtNm0tYW1TZWx0Q2g2MDZYanc0UzMtcVNzbFNvX0xGTm9IVTJCRFNieFJFaS00Qy1NeE5nQjk4UEN6ZjdubVIzaFNLN09uVzZLMg?oc=5) · gbtribune.com
- 2023-12-12 [Final Meeting for Buhler USD 313 Board Members Miranda Engelken, Todd Carr, and Matt McCabe - Ad Astra Radio](https://news.google.com/rss/articles/CBMizAFBVV95cUxNbE9TQzN1U3NXSGRUWmpsUnlNaExMZVhLOE9Qek05SDBaLURCYU1NOXE0eFNQUHFtWVQ0ZTF1SXlVVjhvT0ZORWcwTjR4RG9pTGhZR05ZM2hKYkVOYUwzUlNJczU4ejFlQWVFV0J1cHBzeFhuOXVCY2tVZTdMT3ZNdGp6MmY3T1dwTERuRXhtOTZBYzY0WHNDbllZYlU3eGRuOGcweHpyWTVudW9iRjZVeFV0a0tndUFrTHAzUE83c3dWOXdRbFNtc3ZuSDQ?oc=5) · Ad Astra Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4775 (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/39.json (key "4775", 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