# KAPLAN STATE BANK
KAPLAN, LA · FDIC certificate 8143 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $85.3M | |
| Deposits | $68.9M | |
| Loans and leases | $32.1M | |
| Total equity | $13.6M | |
| Loans / deposits | 46.16% (p13 of band) | 75.88% |
| Liquid assets / assets | 58.71% (p89 of band) | |
| Uninsured deposits / deposits | 22.82% (p77 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.78% (p49 of band) | |
| FHLB advances / assets | 0.39% | |
| Tier 1 leverage | 15.22% (p86 of band) | 10.88% |
| Unrealized securities loss / equity | 3.40% (p98 of band) | -0.66% |
| AOCI / equity | -1.95% (p1 of band) | |
| ROA (annualized) | 1.33% (p78 of band) | 0.85% |
| Net interest margin | 3.60% (p42 of band) | 3.74% |
| Efficiency ratio | 66.57% (p37 of band) | |
| Noncurrent loans | 1.93% (p83 of band) | 0.56% |
| Net charge-offs (annualized) | 0.10% (p74 of band) | |
| Reserve coverage of noncurrent | 52.26% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 3.41% (p24 of band) | |
| Auto loans | $300,000 (0.93% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 18 | |

## 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 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2016-12 | 2 | reserve under noncurrent, assets shrinking |  |
| 2017-03 | 4 | charge-offs p90, deposits shrinking |  |
| 2017-06 | 1 |  | assets shrinking, charge-offs p90, deposits shrinking |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |

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

- 2024-02-23 [Patricia Ann Bernard Rost Obituary Feb 23, 2024 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1GeXhSd05aTjR4WUdkdHVSMFRyUzJ4cHJSbTBMT2dIb0VNVjRNNVRSRFNwRFA2ZEtGWldRSWNtdWI1Yk9lTjZoSWJuSWozOU9JeUpiYmdncEFPMTUwaHlrX25nOEFZeUFnVTg4?oc=5) · Vincent Funeral Home
- 2016-04-12 [Tri-Parish Bank part of new 5-bank holding company - theind.com](https://news.google.com/rss/articles/CBMiSkFVX3lxTE5iN0I4ejBTT0lLNVNWZ2NkVW5pUFkxb0dJazlKTUlTWDF2TnR6c1p3UHV6LUlMTUctZXJ5ZVcxZkZaVW9TUEo3ckpR?oc=5) · theind.com
- 2010-02-20 [Paul F. Meaux Obituary Feb 20, 2010 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1KZWM2NjQ0UUI0UThqWXB1OTBCQ0pyM0ZudWpveTU1VzFUc19VcEluTThDTHU5bmQ5WTVfaWNVbDZHbnBhVXE3ZW4tdkhMcm1CbGx6OG8teTJ2azlSdmZNTnVB?oc=5) · Vincent Funeral Home
- 2014-12-14 [Ella LaBry Obituary (1926 - 2014) - Kaplan, LA - The Advertiser - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcmhQSWgzeF92N1NRZk4xcmdodnVXZk5SX0plU3RRUmdmX1Rpd195R1htZnBmZjBqc1NWYUktZ3dadkQxZHp3aWlUN2hWS19pak5tN2plMHlubTg0RUt0RjN5R0NLVWpyRTU1cWZYUUFCcnY2MWQyMzJWYnJlX3BzaXBpa19ibnpTLWlQcG9TVkk?oc=5) · legacy.com
- 2025-09-21 [Della Landry Hoffpauir Obituary Sep 21, 2025 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9VUnZsaVdDLVItUGgxcmJ4c0FOUGpZTEJBc2F1Nm1kVWw0TDFkb2I2VEtnMktaZDBTWTdOSUNaUTRqSDhxNGp2dVVRU25QX3lyTVBLUVhRMlltdEJ5MXBYTXlRSUJlX2JZcDVMWWJn?oc=5) · Vincent Funeral Home
- 2007-09-05 [John Francis Vincent Obituary Sep 5, 2007 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBvWVI0MU5aRURWLXVfVFlpTmZKNmpsMWJnWUQ0Z0c3YzA5akY0cUZyS0tOZnI2MnlCRTRUQjNDU1AzbU9WNFB3Y0xDV0JrYnVUeDVxVXdVMWlqUmZPSWZFeWVB?oc=5) · Vincent Funeral Home
- 2017-11-02 [Kenneth Menard Obituary Nov 2, 2017 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE52bkE0Tms4Y2w0MHE1VDg2RmFOdHJ4NlRHdV9NSjl5b25xMDh6ZkpBOVhtRjdlRkRHRVdDbmZ1NFRqZTlnQWkwZ0d0RWQzdUtaTVBKeU9wd25kNnFLZnVOUWJwZUpIRmRxTnd4Qw?oc=5) · Vincent Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8143 (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/15.json (key "8143", 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