# CENTRAL BANK
LEBANON, MO · FDIC certificate 1057 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $262.9M | |
| Deposits | $212.3M | |
| Loans and leases | $202.6M | |
| Total equity | $35.1M | |
| Loans / deposits | 95.32% (p88 of band) | 72.92% |
| Liquid assets / assets | 13.35% (p9 of band) | |
| Uninsured deposits / deposits | 19.97% (p74 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.77% (p67 of band) | |
| FHLB advances / assets | 4.77% | |
| Tier 1 leverage | 10.33% (p43 of band) | 10.70% |
| Unrealized securities loss / equity | 0.56% (p36 of band) | 1.19% |
| AOCI / equity | 0.38% (p42 of band) | |
| ROA (annualized) | 1.26% (p74 of band) | 0.83% |
| Net interest margin | 4.11% (p77 of band) | 3.64% |
| Efficiency ratio | 52.38% (p9 of band) | |
| Noncurrent loans | 0.38% (p38 of band) | 0.70% |
| Net charge-offs (annualized) | 0.11% (p83 of band) | |
| Reserve coverage of noncurrent | 29.77% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 24.41% (p62 of band) | |
| Auto loans | $4.0M (1.96% of loans; DQ 0.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.6% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2016-03 | 2 | deposits shrinking | NIM <2.5% |

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

- 2026-07-23 [ECB reveals shortlisted designs for new banknotes and launches public survey - European Central Bank](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQZlRnbkRaR0JRaTN6Q2d3SjJydG1fS0ltT2hYa2xHNTVmMTliQkpONERYbjN6eFRHeWVIY3VPeDU5VEZPSjl2RkpJc0o5SjJKdWZvTWVWRFVtYkIxd2JjYTlLN3B3S2dhVWx1LVhtcDlCN1FjU3ZFa1psSGhqYXpzbTVIQUVFYTJt?oc=5) · European Central Bank
- 2026-06-10 [Central Bank of KC: A 75-Year Legacy on Independence Avenue - Northeast News KC](https://news.google.com/rss/articles/CBMilgFBVV95cUxObTZ5RjRlVFhtTDhGQnhuTlVwV2w4a2NrTXRFUjlZUFdDNlljbWJlQTRIMVhhbHJncG9FQ1hQeWJWa0x6WXJxSldzel9lRVdJWDNGVjlBRk0xclVJQXA2QkNGRTZnNXFwakF3cXBXaExSazFsNjlQQzR4QWxOOGVPNUl2S1I2UjJmV21lcTZ1LW9PRkNrbEE?oc=5) · Northeast News KC
- 2026-04-24 [Central Bank of Boone County names new internal leaders - Columbia Missourian](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOaWtUbm5PVVFhMUh6T2RscE8ycl8zNzJaOFV2X29pdFlUOTBVeHBBLUtPV2pNNmtNSlRnXzl3b1RLcXc3LUFZcEZWSElpRDRCZzNKcTFJYWhqWGtUOGo5VV9MN29QZnJzakxHeWFwY01mY1hUQUhFT3hPaHhXbE5jTmZuX0tpbXFjbndTWklPcGN2dUoxbUgwQWkzcTlXSm4zVGlVNmFjTGNZY0hCRnZVMFJ2MjI2Y09ZVlpFb2ZfY3NRQkw4dmM5enUwNXBXaW5CSFlSQ1lrNVlMSWxJa2lpam1RTTBGZw?oc=5) · Columbia Missourian
- 2026-05-05 [(LISTEN): Central Bank of Boone County's president warns about increasing scams in mid-Missouri - 93.9 The Eagle](https://news.google.com/rss/articles/CBMitwFBVV95cUxONDNyZmRWeWJkQkRIT3Y5azNDLTM2UGRxNV9sSWI3X0RHRjlaaWdaQnlzZ3JXWVJFczk1SE1zb0hZZ0FZb2VGSGFnQTFuUEx5QUJIY2xMTlhBUlQ4Q2hyR0hvYUU1cEpVcUVQMHUzRjg4cm9BVFR3dEd5M0xBa0UzYTFheWRlcGNiYXY0TV9Mcm1MaEY0cHU0V3VvTkxUelJIQzlJZzd1TnQ0VU4xVGo2OHdta1ZUZkE?oc=5) · 93.9 The Eagle
- 2026-05-04 [Roof of Central Bank ATM drive-thru collapses on drivers in Sugar Creek - FOX4KC.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeHNhZ0Z1VHZCbDZxekxFcVh6WTJKMW1FR0EzakpLYVJKeXQzUHRIVlNIbmpveWZ5WExLLWpWMVpHTkNDTzhibFp4VFhiRTJKeDhuNEo2cE03S3haWjhVVUtiRUNIUzBCMXdIRUpFRmRYUmxCVjJRUkZGZlIzRzdWTDNXTFlIR0ljeUhUd29XUE1OUFY3LTIweF93VTPSAaIBQVVfeXFMT1o1RVB3S0x5akFBWm02Tkhnc0pnUnJmRGsxTkl0SjZiQU01WDgzOWVZcG5KX3BPQTZyVjZYQklvNUxORTRWSTdSZ3NGdkJLNm82WDBGWmdtWjBkQVUyaU9LYXhKLUE3bGNSZFZZbnFoY0pXYnplMDBaSFlaV0p4ZDA2ZVhRYmVmVjZGcWlnMHRqaE9INDRGUkhoZ1J5dUNsUjJB?oc=5) · FOX4KC.com
- 2026-05-29 [East Miller Street to close for 12 weeks as Central Bank roof work begins June 8 - KRCG](https://news.google.com/rss/articles/CBMirwFBVV95cUxNYVAwYWtLVV8waVJGM2VjcjBDMkRaMU13NlB0ZTR4WHdTdDc5UVprWm00V0t4d2ZWUkdMcmRkYzI3QkdiYUpodXFEcjc2T2Zud0lpQ0xuUFlxeVhKY0RMeHNDWFRPdkFkNFNwaFd2MnJBVENGRUdRYkw0Qy1oTEdpTElRd21sTDlpSlB0dzlfQjJmNzQ4dzR4MnNXOHZNYjctdmRUVlBCcVctZUdMLXln?oc=5) · KRCG
- 2026-07-28 [Gold forecasts fall, but central bank buying expected to cushion retreat - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNTFZQUllyQk5FcFFEcU1XTEJ2cGdXSUtZVWZ1VFppNWU5bHN0eU44dXdLcVR3dm5rRHlCYmRrZDFhN2g2SGZOUFppY0FWZHN1RHowdUN5RDdfbTAtaUpFeDJoR0ZtcUdoazMtVEYtdHFyWlpITjRsWEtBZkJ4bjByWDhoYUhjc005?oc=5) · Yahoo Finance Singapore
- 2026-05-04 [Bank drive-thru collapses on multiple vehicles in Jackson County, one person taken to hospital - KMBC](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRWFEdmdqNEhudGhidmZsYkZVWmxaMkt5cmxYLS12UHo3YWxXWl9oLXdMb0RDcG5YZkk3cHhCZjVWTDdQbUpuOXhwMU5ZaGZhN0lkTXdYZ1ZzMzYxSlhHUjdZdnUza3BiM0lLRTNzODh1dHJLSVhSRTJlT0lLZzhEZXJFZWptMWdsS19mMFoyYw?oc=5) · KMBC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1057 (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/33.json (key "1057", 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