# KIT CARSON STATE BANK
KIT CARSON, CO · FDIC certificate 9216 · asset band <$300M · latest filing 2012-09 · 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 | $81.8M | |
| Deposits | $73.6M | |
| Loans and leases | $37.9M | |
| Total equity | $8.0M | |
| Loans / deposits | 50.83% (p20 of band) | 69.20% |
| Liquid assets / assets | 50.12% (p78 of band) | |
| Uninsured deposits / deposits | 8.72% (p51 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p46 of band) | 10.13% |
| Unrealized securities loss / equity | 3.57% (p48 of band) | 3.81% |
| AOCI / equity | -0.74% (p6 of band) | |
| ROA (annualized) | 0.91% (p57 of band) | 0.80% |
| Net interest margin | 4.09% (p69 of band) | 3.77% |
| Efficiency ratio | 73.57% (p52 of band) | |
| Noncurrent loans | 1.70% (p59 of band) | 1.27% |
| Net charge-offs (annualized) | 0.02% (p37 of band) | |
| Reserve coverage of noncurrent | 85.14% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $193,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 22.3% | |
| Employees | 22 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |

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

- 2026-06-05 [Alena Mae Jelinek Stimack Obituary Mar 6, 2026 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMia0FVX3lxTE9DTTIzNUVsUzlOajhNNmJNRlRLbF8ybDFpbVBOdkdIaHRJZGl2TjlGTEtXb0RBcVE3TFVQQkpsak8zUFlVSXZjejJZdjNJdldYUTM0TmNwRzJuSUFYcjFVWWdRY1dvREJvUUtB?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2024-06-21 [Linda Clark Obituary - Kirk, CO (1931-2018) - The Burlington Record](https://news.google.com/rss/articles/CBMidkFVX3lxTE04dzFVNmUxRUZfOTlPek9jbHh0aFdtbDlFc01CX3FvWWYzZ0tTQ29wNlZDNVRVQ0tTYmpFUXZxVGN4b2tyQXE1c0FMeXltOTJ0U1FkTXlPNThpd29tZGVId3VXRktIX01yV0VvRC1rcXlpWXU5eWc?oc=5) · The Burlington Record
- 2011-10-19 [Coroner: Dad in deadly crash near Kit Carson had 80 percent blockage in his heart - The Denver Post](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOMTdZWUpyTDZVRUs5RnpvU1R5SU5IQXhldWxCNl9semgyUXVScDBMZGhfWU83NmJmRmxCNFB2dEJZUGhuLVlkLWt1QTdGOGJlN3RGRE1HeWFWYVNxU1dBcXROakl0bllVaGliU3B2b1NheHFCNFFadFA3c0NJRktOcmxLQUUwUnNvWUZpRTVnS3BfOHJfMHBXeTVHV0tSU2ZaZmZid1hoVE5oMXAtRmRnblJNZlRDMVpXOG80?oc=5) · The Denver Post
- 2023-01-30 [Angela Dawn Davis – September 22, 1972 – January 13, 2023 - The Prowers Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxOVDJ0djgwNUJnOVVFSzR3Z0RveXVhSGZYTkFyV01mWG1Zem5wYVhHZDVOSzJfcFE2ZlZUbUg0ODNjajZ3T0RKQ1hRcDNHNjdyNGsyVTVVOFpnWndRR3dpMVNPMlUwRnFHa2d2SkZhYlFaaU5hdkhtaHExaldUNG0yNE1KeF8xakczNjJrb2hFcnVzcGhv?oc=5) · The Prowers Journal
- 2009-07-01 [Fred Fulton, Cheyenne Wells, CO - Canon City Daily Record](https://news.google.com/rss/articles/CBMihAFBVV95cUxOX0E1eXFGZFZGdGd6X0VnR05US3dzX2pSSHgyNVJ2TVdobldDR1NvdFk3N2xBczgyUzZuRGx1UmQ2blowU25vZlJzejlEODE0QUY2bjdVc0hVcXpLVUozN2lYeUhHelVZRzB0Q2NZNi0yb3dNX2NwdFdPSlM2M1YzNlJEeTQ?oc=5) · Canon City Daily Record
- 2012-01-18 [Kevin Burton Obituary (2012) - Burlington, CO - The Burlington Record - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxObmd4eXBmRnd0QTVaLXpXY3ZsZk5sVkpDMG1TTUx0eENUUWp1dWo3c2xKTnNMSVN6UHZUcFVPUXVpTTFVODQ2cDRJNElvTS1jaW9kREltTzVSRWtteFRFa0ZBQ1lRcUJvXzdOV3J1dlh4dUVmVkQ0SXVwLS1pMHBLbTVGRTNoT0xmNjNNQzZXcG5URGY2UElMYg?oc=5) · Legacy obituary
- 2009-08-11 [Tim Gribben - The Burlington Record](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5QVVRhbDNURmlRdnozUEllMVdkSzZlckZPUHBoRDg3VnJ4ZjREWGdneEpzX3ZIenYycHhpRGxMYnVONDVJWEFzcmEta3J0bG9qQ1F5MUdVUzNvZw?oc=5) · The Burlington Record
- 2011-03-23 [Myrna Rae (McBride) Purviance - The Burlington Record](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9Zb0lFR3MyUTRsNTJndXU5MGEtdzJZazQzVEhZUGZlcV9yaU9GWjJ4Rk1tTHRSWHluMWRvTHpBZVo2QmJ5M194MkxiUHhhd1ZfQm9PMlpzdmJZdw?oc=5) · The Burlington Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9216 (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/0.json (key "9216", 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