# HILLCREST BANK NATIONAL ASSN
OVERLAND PARK, KS · FDIC certificate 59015 · asset band $1-10B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.28B | |
| Deposits | $1.02B | |
| Loans and leases | $551.3M | |
| Total equity | $213.0M | |
| Loans / deposits | 53.70% (p10 of band) | 78.45% |
| Liquid assets / assets | 44.16% (p84 of band) | |
| Uninsured deposits / deposits | 0.73% (p3 of band) | 17.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.82% (p95 of band) | 9.43% |
| Unrealized securities loss / equity | 4.41% (p52 of band) | 4.11% |
| AOCI / equity | 3.79% (p81 of band) | |
| ROA (annualized) | 0.76% (p51 of band) | 0.76% |
| Net interest margin | 4.96% (p94 of band) | 3.68% |
| Efficiency ratio | 56.42% (p28 of band) | |
| Noncurrent loans | 18.24% (p98 of band) | 2.39% |
| Net charge-offs (annualized) | 0.47% (p56 of band) | |
| Reserve coverage of noncurrent | 0.91% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 118.27% (p95 of band) | |
| Auto loans | $284,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | – | |
| Employees | 172 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59015 (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/7.json (key "59015", 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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