# CORNERBANK
WINFIELD, KS · FDIC certificate 4803 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $263.6M | |
| Deposits | $230.0M | |
| Loans and leases | $161.6M | |
| Total equity | $26.3M | |
| Loans / deposits | 69.31% (p41 of band) | 74.58% |
| Liquid assets / assets | 35.64% (p58 of band) | |
| Uninsured deposits / deposits | 23.18% (p81 of band) | 14.02% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 2.16% (p51 of band) | |
| FHLB advances / assets | 2.03% | |
| Tier 1 leverage | 9.52% (p27 of band) | 10.79% |
| Unrealized securities loss / equity | 2.52% (p55 of band) | 2.02% |
| AOCI / equity | -0.78% (p1 of band) | |
| ROA (annualized) | 1.29% (p75 of band) | 0.86% |
| Net interest margin | 3.42% (p36 of band) | 3.65% |
| Efficiency ratio | 86.15% (p81 of band) | |
| Noncurrent loans | 0.60% (p47 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 229.36% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 24.74% (p62 of band) | |
| Auto loans | $3.7M (2.32% of loans; DQ 2.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 91 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | wholesale funding >15%, capital falling |  |
| 2012-03 | 1 |  | wholesale funding >15% |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 | assets shrinking |  |

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

- 2026-01-04 [Angela Volosin, RCB Bank - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSUdmM3Q2TzFoYnRvYmF5OUoxdVFsTDQ2ZXptZ0ViQnhkaTRsQ0RIZ0F0SEdNOGZyUkhjUG5VaDljQ2FJbWpZV3ZfSkppQW81TG5meGZMRUY2aUZLalRBejg5NUhwZ2xxdDA4N2g5Y2dpNTZCVnlZWTFTSWZDZWpvX1hNM2Y0X0prNWZhYjc1T0hqVEtqU0c2d1hDYXYwM3dJQ3c?oc=5) · The Business Journals
- 2018-07-26 [Town Talk | Growing bank files plans to take over former convenience store location - Lawrence Journal-World](https://news.google.com/rss/articles/CBMixgFBVV95cUxOVm9tRTdJWjdqSGRKVmVoX0pVVHliVVNGNlZFcmtDVEctb0YtbVJBZjYxWi1ERks3WG5TNlhJNnE5cWRtTWVGejRHZ2lpbThNUkE0cWR4b2FzWDd3Um92dEdHeV9ZYTloVjVfUmpDMmQ1MGh1MDVzRzdEdDNyLWFUV0FkV3FYS3Z5bGRIdVduZ1Q3R3RQQ2FKbUZtR0FVOUllMmI0QUlyUzdleHEwTnBPTjM2RHV3N3BnbnlzX2FhTHhyNV9DQWc?oc=5) · Lawrence Journal-World
- 2016-05-24 [Oklahoma-based RCB Bank to acquire the nine CornerBanks including Wellington and Oxford - Sumner NewsCow](https://news.google.com/rss/articles/CBMiugFBVV95cUxQdXZWTjBXSUNkb0hkN0hmYllYR196clRhUGo0SkZuVWtOWUZZVlZjTzZqdFFXRUpSb05KY3c3RWlSZzNOYmdIR0g4d2lBdjhhWkpjNGl1eDZwekdfck96YnNqZjFSNXVnOFQyWDVIMzZabGYwNDB1MG5RX00tTnBsbENuYUVzT3J1cFZsU0FMOWlZMDFnNExVSW9mWk15X2hzb1dNeHBEUWdOVmdqWHA1Znp3YmZ1em5FUXc?oc=5) · Sumner NewsCow
- 2025-11-04 [Donald "Don" Wayne Sherrard Obituary Nov 4, 2025 - Miles Funeral Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5zTlpxcFRzeHNoT1k2Z1R3ank2a0oyZVRzejFxRTY0RmFhYUotVmZpdTYxWmZTOEt0N0dXdV9DZ2hDS2daNTlGRVhZVjFyYUZJTzBRZFpTWlhIa2J4RS0tQWNfMzRxVXM?oc=5) · Miles Funeral Service
- 2016-07-30 [RCB Bank purchases CornerBank locations - tulsaworld.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQSkg2NGt2Rm5rRWhXN2FwWm1VN21ScmlPeWlUOUFpblRLS25hRXRlZ0lyYkxPLVllZXViUWFPSzd2WXVFYjdvY19JRFExZEdrRE9GMm1nLTJWX29tWlY4TlBYQVZFSzJJcU9LYXBiOWRFY3hRZVkwZDZjWEUyai01bkh4MA?oc=5) · tulsaworld.com
- 2021-11-14 [Roger Elliott Obituary - Wichita, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQVDRTUEl4T3BqWDExbVlDRU9iNEFtS0dqZktrTXYyTVJaYlNGWUd0VDdCQlRDazFlWFVCTXhOV0FwV1FkR2Vid1k0b1BTMHAzQWxGVmtWN1VTcHBWeUpnaElfOW9fZXZfRnNDNmtlWktYSThFbkh3NmZBOTJBdE1oUTJ3?oc=5) · Dignity Memorial
- 2014-04-14 [Business briefcase April 14 - Lawrence Journal-World](https://news.google.com/rss/articles/CBMiekFVX3lxTFBlU3ZaN3hTWEcxYkxLU29IRUtlbklQbmc1dGlpNS1WWXJ3VTZxWDlqX3FnLTd0T3dSenpTT01oblV0ME5NUFJKRHIxLWFpb0FrQjVwNnNSVF9pWXFKU2ZmR25wUkpNMGhBcmtDMnZxNktuS3VMdTlVVlNB?oc=5) · Lawrence Journal-World
- 2014-04-01 [Lou Ann Potucek has been hired as branch manager of Cornerbank’s Sumner County markets - Sumner NewsCow](https://news.google.com/rss/articles/CBMitwFBVV95cUxPMEkyRUo2UU90WUZIN3ktdzV5NFZpYXY2N3JQcGYyOXZaejdvdWRMNVVPU1l3MC05SVFXSFV4U0g5Z3h4dGVReHk4RlhGN2x2dlhLdWw1S3JMRWZEbV9SWFVtYzB5XzE2by1TY0gtWWVEN2JUWHRiRXVZSnZDVWIzRjZwa2NkZFRGQW1ZSUlfNkN2VzcxQV9CM3k5YWN6MjB1Q3FvS01rcE80dW82VVo5RDFPMHdJZkU?oc=5) · Sumner NewsCow

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4803 (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/3.json (key "4803", 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