# STATE BANK OF DOWNS
DOWNS, KS · FDIC certificate 9659 · asset band <$300M · 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 | $148.0M | |
| Deposits | $127.3M | |
| Loans and leases | $81.7M | |
| Total equity | $19.2M | |
| Loans / deposits | 63.26% (p35 of band) | 73.59% |
| Liquid assets / assets | 44.30% (p70 of band) | |
| Uninsured deposits / deposits | 25.29% (p69 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.68% (p51 of band) | |
| FHLB advances / assets | 0.68% | |
| Tier 1 leverage | 12.64% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | -1.12% (p76 of band) | -6.57% |
| AOCI / equity | -0.33% (p53 of band) | |
| ROA (annualized) | 0.82% (p31 of band) | 1.17% |
| Net interest margin | 3.43% (p26 of band) | 3.93% |
| Efficiency ratio | 73.30% (p68 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 34.05% (p67 of band) | |
| Auto loans | $725,000 (0.89% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling | loans exceed deposits |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 5 | capital falling, construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 1 |  | construction >100% equity, liquid assets <10% |
| 2013-12 | 4 | capital falling, reserve under noncurrent, construction >100% equity |  |
| 2014-03 | 3 |  | loans exceed deposits |
| 2014-06 | 1 |  | capital falling, reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | construction >100% equity |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 | reserve under noncurrent | construction >100% equity, charge-offs p90 |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 2 | deposits shrinking | noncurrent p90, charge-offs p90 |
| 2017-06 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2017-09 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2017-12 | 2 |  | deposits shrinking, assets shrinking |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | construction >100% equity |  |
| 2018-09 | 2 |  | construction >100% equity |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 4 | deposits shrinking |  |
| 2019-06 | 1 |  | noncurrent p90, assets shrinking, deposits shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | reserve under noncurrent |  |
| 2023-03 | 1 | deposits shrinking | reserve under noncurrent |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-08-27 [Berkley family receives 'Century of Family Banking' award - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBKR3BSb1hGS2pENUZYa0t2VEtxdHcwdUFQTm03TUpTWUtJUnRCZDc3ZVNES2x3M2lzQVNxMGt1SXBYcmF6bDQtQnltOW5Udm5kMlFSczJIakVOdVBJU3NUbkJydkhFRjJja2xITTlfXzFYclU?oc=5) · Salina Post
- 2024-07-22 [These are Denver's strongest banks - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUVBWTFV1OVNVWHByd1BaVjdXV1RadFR1RlVLUWQxdHJmMndFZVN2eXpZSzFWRzdGOEhOZlNrWnZkZ2pWenFBWDMyMUcxdXlOTnBBU25FT3hHMzJNNFg5ZU1BaTlRaXloeHZrbGJNaEduOHl4ejh2NUwyLWtMSnJKbDdTVmZIUXJLcG84Wg?oc=5) · The Business Journals
- 2020-09-14 [City approves ECRA name change to Berkley Family Recreational Area - Salina Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNakI5NktNYTg2X2NVQ1VGbEhudGdYNFhfV1V0NDRYS0xrcFNjcVlVSXdzOEE3MjdhYUxUTnlOV2c3VWExeHdQTlRMbTk3Q3c4NkFiQUFYd1p4T0xZdFltRFhxa1EyZ3JqdmpKX2xGMk94dzhrbWcxZ2RaSkh1aU5ndkRab1ZINHVDUU5YWTJCTFFndlhBRkhsU1ZrYTBhRW5HbmRIVG5OZ3VzZUIweFZQd2Z2bHJNZkN4SGtPQ3oxQUM?oc=5) · Salina Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9659 (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/59.json (key "9659", 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