# SOUTHWEST NATIONAL BANK
WICHITA, KS · FDIC certificate 4801 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $502.1M | |
| Deposits | $403.8M | |
| Loans and leases | $433.6M | |
| Total equity | $49.2M | |
| Loans / deposits | 106.45% (p95 of band) | 82.04% |
| Liquid assets / assets | 8.93% (p3 of band) | |
| Uninsured deposits / deposits | 20.43% (p30 of band) | 25.97% |
| Brokered deposits | 0.80% | |
| Wholesale funding | 9.92% (p77 of band) | |
| FHLB advances / assets | 9.13% | |
| Tier 1 leverage | 10.32% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -4.30% (p66 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 1.13% (p40 of band) | 1.28% |
| Net interest margin | 4.41% (p78 of band) | 3.91% |
| Efficiency ratio | 71.66% (p77 of band) | |
| Noncurrent loans | 0.08% (p21 of band) | 0.43% |
| Net charge-offs (annualized) | 0.24% (p92 of band) | |
| Reserve coverage of noncurrent | 1123.95% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 2.02% (p6 of band) | |
| Auto loans | $210.5M (48.55% of loans; DQ 1.02%, NCO 0.22%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 110 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 3 |  | charge-offs p90 |
| 2015-09 | 4 | charge-offs p90 |  |
| 2015-12 | 3 |  | charge-offs p90 |
| 2016-03 | 5 | charge-offs p90, deposits shrinking |  |
| 2016-06 | 4 |  | deposits shrinking |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | uninsured deposits leaving |  |
| 2017-06 | 4 |  | uninsured deposits leaving |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | capital falling |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 |  | charge-offs p90 |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 2 |  | wholesale funding >15% |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | capital falling | brokered >10% |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | reserve under noncurrent | capital falling |
| 2021-03 | 4 | noncurrent p90, charge-offs p90 |  |
| 2021-06 | 6 | capital falling, uninsured deposits leaving |  |
| 2021-09 | 2 |  | reserve under noncurrent, noncurrent p90, capital falling, uninsured deposits leaving |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90 |
| 2022-06 | 3 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2022-09 | 5 | loans exceed deposits, capital falling |  |
| 2022-12 | 2 |  | reserve under noncurrent, noncurrent p90, loans exceed deposits |
| 2023-03 | 3 | liquid assets <10%, charge-offs p90 | capital falling |
| 2023-06 | 4 | loans exceed deposits |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | liquid assets <10% |
| 2024-12 | 6 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 2 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |
| 2025-09 | 4 | deposits shrinking, assets shrinking |  |
| 2025-12 | 2 |  | deposits shrinking, assets shrinking |
| 2026-03 | 5 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2026-06 | 6 | liquid assets <10% |  |

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

- 2026-03-03 [Southwest National Bank takes over former Fidelity branch at Bradley Fair - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMWJta01xWDVZLU9ZeEtFdDItdzMyUjNjZnBTS2R2N2s0M00wRTdsV3pmaFBueGsxY1dNX2o5SzFjb3kwaE5FbktrZ3doNkNpZW9BSDd3anAwVWwxVmxfRnp2d29zd3o5MUF2c0VIMW9faFV0Y1FtR0c4LTMyaFZQNjhwN2RpZkd2N2RTaXlHd0JwdENtWDdJZDcwTWxZTjRqZGc?oc=5) · The Business Journals
- 2021-03-09 [Meet the Directors: Patricia Minard - Kansas City Fed](https://news.google.com/rss/articles/CBMiekFVX3lxTFBWWEZXU3NhTDRBRmFQU3ZsWkFESTRleUpJZlBzTUxnbGF2dnE5cU44OVpCU2U1cXhSR0JraXNSd0F5WHkyQjhRQThBWTNEZVJiYllham1NSzdmRE1od1J2NmgxZlVwcU1NdjV5Z3BCZFJhWlgtZndCNnB3?oc=5) · Kansas City Fed
- 2018-09-13 [People You Should Know (Sept. 13, 2018) - kansas.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9XSkhQZ2UwdW95Uy1kdWdDdEFuV3Rjc09PZnVHN2VFbjRDUlFQeTVBa1hwSkkzYlFUR0lDNkhQUlhwRzlxcDZBclN6eVctaXlNNXVtNXlRM2trbmtuSDFXY3o0WDlHY2tMMVHSAWpBVV95cUxOS2dpa2VfUUZrUG5FQmlaaTE4VFQ3RkJUazVnaVdabG5MXzFNU0hDSEpxdmRianpER1BiSUlVeTZvRDhWSWxTQXU5Smk3a2FldFQ0ckZIaUdqSkoyUmJWOGllYzl6Q3lqMXRn?oc=5) · kansas.com
- 2022-04-09 [40 Under 40: John Lawrence, Southwest National Bank - The Business Journals](https://news.google.com/rss/articles/CBMiygFBVV95cUxNWjRWZ1pucjlZcC1vUlM3T0hpZ29KMXRFSWRlaXR3MGg5TElNVDhieURIZE1jUXpRZmFPSHVoMDR6TWF1M3JKc19pT3Z4WllFR3h5Z013a0lUYXB6bHhmNzJUMkhHbTg2ZUhUWWs2RERONnZSX2dsVDlHV1dVdE9ESmxRd1IzblhJbVpJWnBfNzd5VnQ0c1hoNElvcnhhTDdqb2NZZTdCMWlVMEJpYXpMWjJuV0t1aGpiVDZFSHRqMTV4TktVS0pXeDhn?oc=5) · The Business Journals
- 2021-11-05 [John Pitcher Obituary (2008) - Wichita, KS - Wichita Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNmpTanE5akhaQjJjcHZkYjFnRWM4Qk84dXNLUGRCZ0R1ZDlid3dNeTF2Q1BYbVdUamdJbmRKUXY5RzBuRVhORDBDVU5aT1NGMm5jeTZvNDZoYUptNDJOYjBNMTRMOGZaRDdOVEstaGFpcDdWampURHcxcXd0WUsyUnJXenlKTzFnUlE?oc=5) · Legacy obituary
- 2018-04-21 [Gerald Taverner Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOLWxoUWM0OU1hMmtrckRUMUNPR04wUG9kb3k1LUczcS1kTVlUdDhaZG5OZUJhZTZtcnhNdWN2LXU0c1JULXBydlZXM0VWQVRvR01DU3gzRHBCOHBJWFgzaEF1TzI3anpKTUZwalJuOGFmeWcwRVBObTVJVmlFbFJHRG9oS1I?oc=5) · Dignity Memorial
- 2022-07-08 [Ten Minutes With...Mike Dixson, Southwest National Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQaW9fMFFnaUdSR2o4ekRla082dkFUWlVyVUM3czM4eW5Kbkt1cUdXWmhsbVhuM1RvcFB0NWQ0Rk1SWnlDX3ZHN1VZSWhGb1QyUDE1QnJwYVVTRVhrT1JCU3Iwb2N1NVc0SFFKdVlJQ1haOTFnLXE5YjlydE04dVNIWkxSa2FBam5jdUtPMDJNSmEyWGZTcHZyYTFmc0ZDX0xEWHRYMi1Udw?oc=5) · The Business Journals
- 2023-03-15 [Southwest National Bank, a long-time Wichita institution, has a new look - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRFU3OFZyYldNYVBVMWlEVVhNWWZqX19LNmJ0WGtya21aSFRiVmo5VTZ4cHRJdTlCd2J4VDNHbzd6bmNFa091RDBDNGtJdzNLaFBlZ3Q3Z0VXd3FnZXhvakZhb003ZXk3Q2FQcjV2X09OcXhJUEdiMzFuQTNfVXBqZTY4TC1ZUWVIOHJzN01YQUZpU3pRZkd1NGFJUFlaMTJpX0E?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4801 (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/1.json (key "4801", 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