# LANDMARK NATIONAL BANK
MANHATTAN, KS · FDIC certificate 5826 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.60B | |
| Deposits | $1.31B | |
| Loans and leases | $1.11B | |
| Total equity | $185.3M | |
| Loans / deposits | 83.38% (p41 of band) | 87.10% |
| Liquid assets / assets | 23.26% (p58 of band) | |
| Uninsured deposits / deposits | 35.25% (p62 of band) | 30.76% |
| Brokered deposits | 0.79% | |
| Wholesale funding | 6.04% (p50 of band) | |
| FHLB advances / assets | 5.15% | |
| Tier 1 leverage | 10.17% (p41 of band) | 10.50% |
| Unrealized securities loss / equity | -5.55% (p61 of band) | -7.75% |
| AOCI / equity | -1.02% (p18 of band) | |
| ROA (annualized) | 1.33% (p57 of band) | 1.26% |
| Net interest margin | 4.27% (p80 of band) | 3.70% |
| Efficiency ratio | 61.14% (p57 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p76 of band) | |
| Reserve coverage of noncurrent | 96.98% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 12.60% (p12 of band) | |
| Auto loans | $546,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 285 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 1 |  | deposits shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 | reserve under noncurrent | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | noncurrent p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | uninsured deposits leaving, capital falling, AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-04-02 [Wareham Hall secures $8 million investment toward revitalization project - WIBW](https://news.google.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?oc=5) · WIBW
- 2024-03-04 [Landmark Bancorp Announces New CEO in Leadership Transition - PR Newswire](https://news.google.com/rss/articles/CBMitgFBVV95cUxNRE9MVmZia3lybVFseHJSZ1E3a1RaMFJiMHh6cnFSek5aWXVVMVJzZTdrSF9nY1BnN0ZJSXJwWUZJXzZkTHdnWXA4d1VpSVVoZFdMVWd6QkItWURhclRBcHZReTR5UGRHd0lXaEtRb1BNcVJWMHBkLXdNU09PajRlNXhTcTRnZVBYSmhxTFk1T0pMN21yOWZBUk5JdG1MM3ZlX1B0Z2dhRGRFWUpLc3NVdXIwalk2UQ?oc=5) · PR Newswire
- 2024-03-04 [Landmark National Bank finds its next CEO in the KC area - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOcFFMSWxfNUxmQTBraThZZzdGaDN1ME5sWnN0dkMzTVRLcEtEd2dsa2NEeHl1c255M1pPUUVFSVY0dEE4U3NpRHFWeFRKRWI5Z0tfejZVZEJQaEVfeDVrM0s5YTVjekxHU1VZVE9CZXZpNXl1VTFQUWh5T3VpZ1dDbVdURUNCeUp5cDluWnExTHFqZnNuN3cyMFUwN0tRSzhQLWYtRXlB?oc=5) · The Business Journals
- 2019-08-06 [Landmark National Bank (KS) Review - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxOWkt0QWxCOXFXenlKbkFjNjFZT29sQzhySWZrOThHYUlwYVdBSlFZYzlaQ3N1dGpoUnJnem9kV2VBWV83SktmT0tRMnRlYkRDb01WUU5oOGs3SDlYN1RDUjlLaW5vdzVsN3ZjUHlkX2JkSkYtX2VfWG9PMGtFZmZGcGh5N2pRclk?oc=5) · SmartAsset
- 2025-03-12 [Abby Wendel, Career Milestone at Landmark National Bank - Kansas City Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxQblNOZTlkeF9YWU9xek9ObnRoTzJnQ2VvTVRhSlFuZEw3ZE9aTGpMVDlNb3YwZHcydWRqNF9kWjBibVppYTExTFJrSG5zUDA0QnVmNGVFTEk4S29MdFNIMDM2aDVpdG5Ea0c1amh0cEZyZ2c0eFVkTF94eXJBakdWb1VlOGFpZC11RFpwRlZZNF8?oc=5) · The Business Journals
- 2021-07-19 [Suspect arrested for robbing Landmark National Bank in Louisburg - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMifkFVX3lxTE9XZjZkTy15WHRWeFZkOWhYR1lxdmdBNnJzRDc4YWRSNm5uT1l5dUJnZFRXbWlDZUVZaGY3cWl6RXdSRFV6a3pwZ3hweW5qMmVZelNLY1U2eERQMXB6bE5xSm55dnBKaFV0VmV2RU1XSkRwcTdKT21PTmI2WV9vdw?oc=5) · KSHB 41 Kansas City
- 2017-03-13 [Mazouch joins Landmark National Bank - gbtribune.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaXZnRGhtejE0YmJNM3FQLS0yV19xZWVKa3A0a1FQVkpzMmdTZnBhQTlYSUJmcDJuLWVGc0E0LWowel8xZi0tTi1xdTkzTFJkTEFoYkVOY201WXRUM3RhTWd0Z0t3bWc2aUdCbFZXTVNyT3c5WHlRN05wSkU3dHlXSnBtYw?oc=5) · gbtribune.com
- 2013-08-06 [Citizens Bank, N.A. Press Release on acquisition by Landmark - Fort Scott Biz](https://news.google.com/rss/articles/CBMijgFBVV95cUxQckxDRExkTWhKVktJV1RLUjB4WHhkaFFlSmJqWTgybnRRN1lYMFVVQUJoZGJaNnc2YmVlUVdDT2Q5VjJCZmJZR082ZWlndkdDTnVPeDlud0lydXE5eThaMjRjS1l4SGZ2VWFwZkwtQ3RpNWdUYTJNQXh2MW9OMEhPT003TFRIRXk4R3Bzcndn0gGTAUFVX3lxTFBzNkZCR2lFMXRyUUdSRlNUNXFOR0tPaUR0MjY0MVRaelM4cHRKNnVLZVFDVFN1Ry1GSnFhV0FGYm0ybHdLSDBEbWt5dXg0Z191elFZT3hlSFlGSDlSTnUyTVJpcmxHb3pXc2tOTzdScllfZHo0dDMyVjU5V0NqY1h1QWFxdUszTnlYbVBudkdqT01KRQ?oc=5) · Fort Scott Biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5826 (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/2.json (key "5826", 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