# RELIANZBANK
WICHITA, KS · FDIC certificate 58122 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $47.8M | |
| Deposits | $41.5M | |
| Loans and leases | $36.0M | |
| Total equity | $3.9M | |
| Loans / deposits | 85.15% (p73 of band) | 72.67% |
| Liquid assets / assets | 22.78% (p28 of band) | |
| Uninsured deposits / deposits | 20.74% (p77 of band) | 13.36% |
| Brokered deposits | 9.84% | |
| Wholesale funding | 14.58% (p91 of band) | |
| FHLB advances / assets | 4.74% | |
| Tier 1 leverage | 7.91% (p6 of band) | 10.53% |
| Unrealized securities loss / equity | 0.18% (p50 of band) | 0.18% |
| AOCI / equity | 0.13% (p84 of band) | |
| ROA (annualized) | -0.58% (p3 of band) | 0.82% |
| Net interest margin | 3.47% (p42 of band) | 3.60% |
| Efficiency ratio | 114.56% (p97 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.74% |
| Net charge-offs (annualized) | 0.02% (p58 of band) | |
| Reserve coverage of noncurrent | 3252.63% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 75.76% (p90 of band) | |
| Auto loans | $189,000 (0.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | wholesale funding >15% |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | wholesale funding >15% |  |
| 2012-12 | 2 | capital falling | wholesale funding >15% |
| 2013-03 | 2 | wholesale funding >15% | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 0 |  | brokered >10%, wholesale funding >15% |
| 2015-06 | 2 | losing money, expense ratio p90 |  |

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

- 2014-08-05 [Andover bank names new president - Wichita Eagle](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5BWTJ5cE9UQVAwcXVHS0FnaDVub1RHYTFmaTBta2tjbE1BcG1WTHFiTloweldYYjZsYTdsbGtvRVd1U2p6NHlWRE5Lay1PclNtdC16Z2VMX3JLUjBZT0NVY2dVUlRLN2PSAWdBVV95cUxQUVIyQUV0MnhEQWYxdkhxSExtZVI5UWdXNmFpaWtuLV9xTG10eXFxZnNfMUJtMGdWUXM2S3RMQndZMWdVWkdvcDM2MVY5LWtFN2tOM19udW1DSlRSdmhGckpDa3ByZmVn?oc=5) · Wichita Eagle
- 2015-07-01 [Union State Bank completes acquisition of Wichita-based Relianz - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxORjVZN2xGTktVSXphSU9qSHJsRmZxMnhSeldnc3VqOFdySVB4aDFNQnZlMk8zSWphRWZPQ1lvblZObUZYblRjZ2hIR2k4WFVlSEMyX1dtM3doM21ERWNfX0pnZUVwWldCUGZCS2ZWa1dNeTNMQU1LYVQ4ejM4enVPQWJGWmlIUE9uUTRuWE1xdVVFYmdjSDVTbFViWUxuNmxsZUlUWkZYYmgzUQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58122 (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/10.json (key "58122", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide