# STOCKTON NATIONAL BANK
STOCKTON, KS · FDIC certificate 4777 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $173.0M | |
| Deposits | $131.5M | |
| Loans and leases | $128.1M | |
| Total equity | $18.6M | |
| Loans / deposits | 95.83% (p87 of band) | 74.58% |
| Liquid assets / assets | 23.55% (p32 of band) | |
| Uninsured deposits / deposits | 12.81% (p45 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.05% (p88 of band) | |
| FHLB advances / assets | 6.42% | |
| Tier 1 leverage | 10.47% (p44 of band) | 10.79% |
| Unrealized securities loss / equity | 2.25% (p52 of band) | 2.02% |
| AOCI / equity | 1.88% (p68 of band) | |
| ROA (annualized) | 0.86% (p50 of band) | 0.86% |
| Net interest margin | 3.72% (p54 of band) | 3.65% |
| Efficiency ratio | 72.38% (p51 of band) | |
| Noncurrent loans | 1.50% (p73 of band) | 0.67% |
| Net charge-offs (annualized) | -0.10% (p5 of band) | |
| Reserve coverage of noncurrent | 111.84% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 17.71% (p53 of band) | |
| Auto loans | $2.1M (1.62% of loans; DQ 0.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 | reserve under noncurrent | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 1 | uninsured deposits leaving | deposits shrinking |

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

- 2024-08-26 [Berkley Family Receives Banking Award - KSAL News](https://news.google.com/rss/articles/CBMia0FVX3lxTE1WRFB6anNnVU1SMnNhcmp5Y1R5SUFhcEk0c2lPRWtNVWYxUjgzdUVCUUNCdzBicVp2cm5TTEQ1RUVjeER4TjE1d3lQZXNJdDJEQWcxWkFkWGxGcUZtZzFENGZrVk82eU9ueTJV?oc=5) · KSAL News
- 2025-08-25 [Hal J. Berkley Obituary - Salina Journal](https://news.google.com/rss/articles/CBMiWEFVX3lxTE8wRjZHQklaNTB6amFENlpDNWlRendSRnlFbDN2Ul9FZEJxTG1iX1RmOEJqdVhwU0hNRkF2V3AtX0hMQ3lLX1JYRUJhNHZ6MG9nTm5WOV9xeG8?oc=5) · Salina Journal
- 2015-07-12 [Kruse-Brass - Salina Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbUJVTGZJY202cEZqX3hrc0pHd2JIYXpSdG5pNHo3c0ZhR2loMnZiVnlfc1U1LWxMSUtWSEtwS1pVbnB1eDZTRS1YWGszTFh3MFFrTTJ2eVF1YWhvWWstTmY5TEhLQ0kzSFlXZ1hPYXY1ckJNUm9tbGdZOVY2ZU03S2oxN1B2dFFMUW5YY0VPdUs?oc=5) · Salina Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4777 (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/41.json (key "4777", 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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