# BANK OF THE FLINT HILLS
WAMEGO, KS · FDIC certificate 4791 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $544.5M | |
| Deposits | $473.0M | |
| Loans and leases | $432.1M | |
| Total equity | $41.9M | |
| Loans / deposits | 90.23% (p71 of band) | 82.04% |
| Liquid assets / assets | 15.99% (p19 of band) | |
| Uninsured deposits / deposits | 25.54% (p48 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.09% (p58 of band) | |
| FHLB advances / assets | 5.09% | |
| Tier 1 leverage | 8.65% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -9.24% (p46 of band) | -8.10% |
| AOCI / equity | -1.88% (p9 of band) | |
| ROA (annualized) | 1.56% (p68 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 61.14% (p50 of band) | |
| Noncurrent loans | 0.03% (p15 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 4016.42% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 68.46% (p70 of band) | |
| Auto loans | $4.3M (1.00% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, losing money, expense ratio p90 |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 2 | brokered >10% |  |
| 2011-12 | 3 | reserve under noncurrent |  |
| 2012-03 | 2 |  | brokered >10% |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 3 | assets shrinking |  |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 3 | assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 3 | loans exceed deposits, capital falling |  |
| 2015-12 | 2 |  | loans exceed deposits |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 3 | loans exceed deposits, brokered >10% |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | brokered >10% |
| 2017-03 | 3 | construction >100% equity | capital falling |
| 2017-06 | 3 | charge-offs p90 | loans exceed deposits |
| 2017-09 | 5 | loans exceed deposits, capital falling |  |
| 2017-12 | 2 |  | construction >100% equity, charge-offs p90, capital falling |
| 2018-03 | 3 | construction >100% equity |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | loans exceed deposits, construction >100% equity |
| 2018-12 | 4 | loans exceed deposits, reserve under noncurrent, construction >100% equity |  |
| 2019-03 | 1 |  | wholesale funding >15%, reserve under noncurrent, construction >100% equity |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | uninsured deposits leaving | loans exceed deposits |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 | capital falling | AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2023-05-10 [Bank of the Flint Hills warns customers of fraud center scam call - WIBW](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNDFLM01IaExQVjdVbGdMRnNWdFVXdnJHQ1Z0VHFSQnNHUWFKa1YtUVhzbkh5eC1lZXlDOUk2eWZraS1DbXhaSXhvS21YbXpxaWFOTGkzbVE2Yi1TNTk4c00tdlprVjdMNmFfUHhmZ0FOTjZBS0FPMU8taGluSGpzaEQyZldMa1dta3Q3NVBCRkFOZ9IBpgFBVV95cUxQcEFaQW5zRXdxa1lVWnpoWjFfbEh1c0NVRzFJYm4zdUo5d3hkcU1TZW1XNDUtUGVVSlRRZk53d3hPaGMwOHBnMl9iclhaampydjAwYVNCTGp2UV9UalVxTVNUN3pXMzBZc291cUlQT2d4enExcDJOYUVISzlhb3JEdGlDOWtTazNWOTVfM1BET3RfQlk4ZUdaNjdEMkw2eUdrZkhBb2pn?oc=5) · WIBW
- 2025-02-07 [Flint Hills Regional Leadership Program Class Completes Course - JC Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE96NUViSk9OYjFHcDJQcnNWdUpOOFk2WTZrOGsza3JxdlpQVHdCMWNRYU5LNGREVFJkVGgxRHBCOVdjbjFLZXhSd3E3UGN1WFMxcVlUd0VBWVR5N0JPa05RTUdZYXpWQjFxUHh6RWdn?oc=5) · JC Post
- 2022-10-13 [Sheriff: Kansas bank robbery suspect captured at motel - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE11TFVMc0FxQndWNnZnemd1bWVINGZ6RE5xVUFTRHJZQVBEa0pZc3hlZ3l3dTJYREJpMjYyb3UyOHN4SEpGczYyTXN0cF9OaE5DODhLUGZYaDZLQXBXYmdQWm1Ga1NucWUwUURMVHJSb3E?oc=5) · hayspost.com
- 2025-12-29 [Wishing Everyone a Happy New Year! - U.S. Senator Jerry Moran (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNEN2OHNkQ0toUnladzhsc3pjZ1hGeTdPaGdPOVh2N2U0VTg3RFVlYkUyN1JIMkFkdjNsS0dRNm0tcl9VanBYanNiTlpBNnZ1VDdDdldYR0Zwc3FYWFUwZHBRVVo4clZ0UHA1WFRmcS1mc2RpZ1F6TWpNeEpKN0dNclRWZzBva0ZRNFE2eUJlazBlNndWTS1ZMEVDcnc?oc=5) · U.S. Senator Jerry Moran (.gov)
- 2020-08-30 [Dennis F. Hadley Obituary Aug 30, 2020 - mercerfuneralhomes.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFBaWjlmbnhqYTZZeWF6RkIySTVFUXYyV194Z3FHZUd3c0FWQVB0cnEyLTAwSzJBVVNlQTF6Nzdrdk00c1NUWTd4cUlKM1FvNlZsTnhqaUFNZTdsNEtEUzhkdlc0dEowQkJCV1Z3?oc=5) · mercerfuneralhomes.com
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2021-11-13 [It's Your Business for Nov. 13, 2021: Fidelity State Bank & Trust and Stormont Vail Health make hires - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNUzFSSU4zY2c5ZGx0TFN4eTRJMjdtUDVETHFfVEM0aHFXZng4eGJlR0JCZ3VURXhlV3lOb3k0UkFsS2VWclE0V2FtUUpnbDRnVjlSdEZMT1BzaUpXN2NoZWItYTBVY0QxYnNKYi1CT3hFcVFVN1dlSXo2ZnY3WXhoQkc2ZDRYRzRzb3NBSGFlNEdnc0dYb0FDam11VEFiSHdwM2dQZmdURl84MlQyeGlKanVHdXVXMldMUlhKMkRoWWI2THc?oc=5) · The Topeka Capital-Journal
- 2016-12-30 [Dolores Ann Holz Obituary Dec 30, 2016 - Campanella & Stewart Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9GNmE0ZU1CWllBcmpUWTlEZjZCaFVOeDJyX1BhMXdDSmZqT0lMZWlLcDN5cWhhdFNFdG1zaHExMG9FR0tIRDhIRkV0Z21VWHJqU3dYeFg2MVg2dHdhT2JNeFZB?oc=5) · Campanella & Stewart Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4791 (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/55.json (key "4791", 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