# FIRST STATE BANK
NORTON, KS · FDIC certificate 5835 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $493.2M | |
| Deposits | $406.6M | |
| Loans and leases | $284.0M | |
| Total equity | $54.2M | |
| Loans / deposits | 68.51% (p23 of band) | 82.04% |
| Liquid assets / assets | 39.58% (p82 of band) | |
| Uninsured deposits / deposits | 23.08% (p40 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.09% (p63 of band) | |
| FHLB advances / assets | 6.09% | |
| Tier 1 leverage | 13.05% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -26.64% (p15 of band) | -8.10% |
| AOCI / equity | 0.20% (p87 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.28% |
| Net interest margin | 4.14% (p64 of band) | 3.91% |
| Efficiency ratio | 51.49% (p22 of band) | |
| Noncurrent loans | 0.10% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p82 of band) | |
| Reserve coverage of noncurrent | 1814.09% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 9.87% (p14 of band) | |
| Auto loans | $4.1M (1.44% of loans; DQ 4.12%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 2 | wholesale funding >15%, capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | wholesale funding >15% |  |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | wholesale funding >15%, capital falling |  |
| 2015-09 | 0 |  | wholesale funding >15%, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2017-09 | 4 | wholesale funding >15%, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2017-12 | 3 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2018-03 | 0 |  | wholesale funding >15%, reserve under noncurrent, charge-offs p90 |
| 2018-06 | 4 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 3 |  | brokered >10% |
| 2018-12 | 4 | brokered >10% |  |
| 2019-03 | 3 |  | brokered >10% |
| 2019-06 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2019-09 | 5 | brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 3 |  | charge-offs p90, brokered >10% |
| 2020-06 | 2 | brokered >10% | wholesale funding >15%, noncurrent p90 |
| 2020-09 | 3 | noncurrent p90 |  |
| 2020-12 | 2 |  | brokered >10% |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 1 | AOCI drag >20% of equity | noncurrent p90 |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | brokered >10% |  |
| 2023-09 | 4 | capital falling, noncurrent p90 |  |
| 2023-12 | 2 | uninsured deposits leaving | brokered >10%, capital falling, noncurrent p90 |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | brokered >10%, wholesale funding >15% |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | deposits shrinking |  |
| 2025-09 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-30 [Citizens Bank of Las Cruces to merge with Socorro-based First State Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUDlrSFhzUWx3dF85emdzT0J5Vmtyd2p5eFc5akU4QzY0QUtVcDBpdDNoQ3BZWjdZZnlKT3ZzZWZIM3BXTW1fSk93emNmRW9sRmdKWWZMNUk5VGx6N2tETEUyT0cycmpFLWkxRHFxcEt0QWpFMFFLRE5KeF9vbE1HZF9vWm5wRzBNWW5SWEVHdmlWcUdFMlRUb2Fxd2pjRmc?oc=5) · The Business Journals
- 2026-03-29 [Lansing History: Before it was Vierk’s, it was Lansing’s first state bank - The Lansing Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdTU2U2tTQ2Q1dlBlbnFvdjJpei1aeXZ4UDNLZzJOVUIzc2N1OE9oZUdoOTlNaTBvUWxLZ0M1QXNPRHlwZmExOUx5X3VDd3BVRC04YzRVVUpOeE92SWNmbGxZd0xaQVZhTkltdlJ2WEtucWRKc2JibUlKN1dYNF92UFZDT2VoUTRBaFlzR00yUWVTVkQtN0licUM1SXhaTE1vYjFqTjgtNTVndFU1VE9zUw?oc=5) · The Lansing Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-20 [First State Bank of Uvalde, Stary family donate to support first responder training - Uvalde Leader News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOcmt2RERGcG11R1ZmTUZKYjlHYV9rZGVaOFV2d2tPTm1uYUdwR2o2MnUtMzY2dXNtVTFwWEJybnBjWHVjUjVDdkh5OUVQeHVrNUNENkJmTzhZb29PSFFkQWwtaWx0NmpIbWU2TGNYUHZGOHNOZ0dCRENyNHE3V3ZoWVZtVGQ4RlJUNVZ0Q1RZR0dla1paYkdSdEM3R1lNa1JtUDNTQTFMRVlFRy1mQWNUOU9wb3ZTb0ZjT1VBNElLbUJPRVE?oc=5) · Uvalde Leader News
- 2026-01-21 [First Resource Bank to acquire First State Bank of Wyoming, pushing assets past $1 billion - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOQ010Q1J4UTRBLWdrQlBvMVRRNlFBU2xqUzIydW41bGdBa19HT2xacE4tV1NtSmE0VDlGOTJ3QU1mVWR5RGs1RXQteTVaWldLWGxrcWNUSGRydERvUXI0eWZEUlFnRkVEZzZDLUF5cmNtTlZELVNXaGFiY29oRTQ0RXBLdmZmOUdjdHR1dzVKMW9GSFJmZnp4MlBnUC1ZZ25lSkpQQnhPYjNkUQ?oc=5) · The Business Journals
- 2026-08-11 [Illinois’ HBT to buy in-state Tri-County Financial for $204.6M - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcGU1TWVsWXNOZEx1bGVvMGo1Z1NOaktDX2dnSXhDQlNsS1lqb05KMHZ6SktmbDBhR1NnRUt0clVsMEZTRFBjSUtuOUdsQ1p4VEYwT2J5RjY4ODRObU5zTDNKUDgzTlF2X0ZTbjdxQjdOUktvWnVUWUltenVkSHhvcDNDaWpTZzFMZUhfN21RMmR0cEV2aDRmb1pnTTNmSEV5RHp2Z1RhcG4?oc=5) · Banking Dive
- 2025-10-03 [Town Talk | Western Kansas bank enters Douglas County market, plus new report shows the biggest banks in Lawrence - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNQk1hOFpNd0RlUVFqQkpab1ljZk9vRml2UV9hejh4azdaVHBfSGdRSnE2NFAyR2ZuVGNHWWI0Z2czbjRQV1JLY1NyeWZwWkZNUGVUUl9CVWp0WXFKblhPY0R3alY0SU11MVFVS1g5RzhLbFQwYnlPTjQtRnBwalJrRDNyRGx6dEVSMUlWMF9oQlFLczREeEZhWlRlMzQyNFpDRWJGOXZPend1MHBGOE1aeERZd0RaYzFheFBJaW1NSElMbEhpWDdfcjV3d21wOU9WNW1UQmRUNm9Zb3pyNEViWjV4LVdsVFZWaTVfZg?oc=5) · Lawrence Journal-World
- 2020-11-06 [First State Bank closing two Denton branches - Denton Record-Chronicle](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOanNINW4xaV9XLU5jN2RURmJxZENDXzlkY1JLTHBDUkdTSmtjbGhfX1dsa0hxN2pkOE1GQ0picGlwajJVYzdQNzFwcW01SDMwSk1HOU8tdkR5YklKaVI5LW5vNThOLTJ0YmtUZW5ZQ0xLTlZvZVJtSHA4U3IxUXd4cDJGVGdXOEJTRTRZREViUm9VRUxBcTRmUDlNbTNqS3MtelRObC1EMWd0NnNDanUzVjN2MkYzckdrWjNjV1RLUXdTZw?oc=5) · Denton Record-Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5835 (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/11.json (key "5835", 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