# BANK OF URBANA
URBANA, MO · FDIC certificate 10606 · asset band <$300M · latest filing 2016-09 · 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 | $177.5M | |
| Deposits | $162.1M | |
| Loans and leases | $84.5M | |
| Total equity | $15.0M | |
| Loans / deposits | 51.34% (p17 of band) | 75.30% |
| Liquid assets / assets | 49.28% (p80 of band) | |
| Uninsured deposits / deposits | 18.23% (p66 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.34% (p8 of band) | 10.87% |
| Unrealized securities loss / equity | 1.90% (p54 of band) | 1.65% |
| AOCI / equity | -1.02% (p1 of band) | |
| ROA (annualized) | 0.39% (p18 of band) | 0.88% |
| Net interest margin | 3.68% (p50 of band) | 3.67% |
| Efficiency ratio | 103.94% (p96 of band) | |
| Noncurrent loans | 3.95% (p94 of band) | 0.69% |
| Net charge-offs (annualized) | 0.02% (p54 of band) | |
| Reserve coverage of noncurrent | 37.47% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 23.00% (p60 of band) | |
| Auto loans | $3.1M (3.68% of loans; DQ 1.09%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 | capital falling | charge-offs p90 |
| 2015-09 | 2 | noncurrent p90 | capital falling |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | expense ratio p90 |  |

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

- 2026-02-28 [Lawrence J Bridges (Buffalo)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMie0FVX3lxTE9MSWFXTjVjcWQ3S2FHQW1pak1VSFdKcmU3eks3RXl5YnFuZ3pDU1BXX2FsYmE5VWk2UnFlUHhkc2Z3Mm5qX05oaGhNaWRFNnVKLUpDNDNFNnRnZVV1Vm1UZkhyem1qZFRvR2hWT3F0NThSWFp3X1hCb1F4WQ?oc=5) · Holman-Howe Funeral Homes
- 2016-07-14 [OakStar pens merger with Bank of Urbana - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ia2Z3WkdtQy1pdWExUnZBX25TTG9aZ2pzRzlZNFNuWXhkNjRTd2IzNFVPWjdOZGtlVEx3OXdGcHdyZ19lRnRQT0JocGlpX04wcEx3dzFYazk0MlcwWFNKTE9OUkE5d1c4b2piQ2toTHlWLXlITmw0?oc=5) · Springfield Business Journal
- 2016-07-24 [OakStar Bank and Bank of Urbana announce merger - Springfield News-Leader](https://news.google.com/rss/articles/CBMiswFBVV95cUxPazJKTjFBZjlkVGhDZC0zX2w4N2ZFaTItUVNNejZqZ0RpVTQyYm1kVkdINGs1Vk5YdTY5WE12VTdhTlVzenh2TERmOW5uSjkxNkk4ejZkdGdENkF2eGtiY05mYkUxMG5oeVE3NHJJR1FfVEI3Ymp2ejdjOG4xcHlqSGJjaVpZVTRnRVJpZlpBU1RKNENfbjF6cWVmek10UHBnN2FoMi1rRG43cVE4Nm5UVlNmUQ?oc=5) · Springfield News-Leader
- 2016-07-14 [2 banks agree to merge - KY3](https://news.google.com/rss/articles/CBMif0FVX3lxTE1fMkYwZTJ1MWlNSjhXXzltU1RFRGJSRGxuME5TT0RUcEtPSzNuX2RuaENkM3hVbG1vLWpqVjZKOS1qU0lOdGNRZzUtYWFnZmJ4UW5feVFfYS1jejFNZ0RsWnM1OUc2d3RlWHJUbDYtOEFlVDJfc2dyWmhaQjRKdkHSAZMBQVVfeXFMUHBLanh4WnlvOURmX1EtVUdwQWN0VktMVDJ5eDFoQXAtemtwLU83TndzdDVNNVlpQnBxZlhqVHRLdTVXSWQ2d2htYTl4dHNnU3hua0VWSk9tTl9hTmk2UDJ0VzREZ1NyMEFYS3hvYXk1NXJMYUFydkRNVmZ5TDRZZ3NvbzZpMERadFczZU1jX096ZjN3?oc=5) · KY3
- 2016-03-01 [Kyle Schwanke is loan officer at Bank of Urbana - Buffalo Reflex](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWS1jRFhYMVRMZ29xVmxtUnlXN0lxeTNCUUl5czFDZ052VjZHeUdjd2x2aUhCdjlGSzNIM0wxeE1LdE1Dc00zMjhfQ21wMmtoQWxaaWRGNUd5Rm04cGZ0b2dMRE9uV24tcF9hQXEtT1N4SVc2RWNVdnRVZlJrWFhQM0xSM1p5Z0dWMTZUMjRMSTg?oc=5) · Buffalo Reflex
- 2025-08-18 [Frances "Frank" Dryer (Urbana)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTE9RZFg0ZElFTkdCa21sVFhqZ1dmWDVmbTBHWXZCaVllVC0xdHM3elNSdDItTWZVMmxwcjEtXzVaU2ZQLUpXM09BSWVrZ1E1ZzU5Snoxc0hobzNRNmlycndaWjVXM3NxQlI4azFqNUkzS29XZXVhSFE?oc=5) · Holman-Howe Funeral Homes
- 2016-12-19 [Open for Business: Fetch Pet Supplies & Gifts - Springfield Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTFBaTFhJMXQzd1VfM2VqOERqcnVwTVZhY251eG1ZZ1FUN1RKWG5Uc21OUHdycENKV1JBdUJvRW0tWW9wcXNBTHRFZzQ4U1pDYzJDcTN1b3NfX1BCd0s2bENmWGpRaXk1WjRnU0lpdW9vUGlsZWJoREQxNER0WQ?oc=5) · Springfield Business Journal
- 2015-01-02 [Robert Foster to retire from Bank of Urbana - Buffalo Reflex](https://news.google.com/rss/articles/CBMiiwFBVV95cUxObDhuamw0anZVLTMxZldHdFgtYWl1QzMtYUtKa3ZHRmVEd3FWWF85S1FuVDZiYjNTQ0wydzFaNTZhdC1vcV9LQlBMNG9jUDBLd19Ua0NyR3p1OFYxN05RdThBN3RhbkJPUDdJRjJ1MWVlUG16Nlk0VmhZVy0ydHpyNGJGUWtWS1E5bmdF?oc=5) · Buffalo Reflex

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10606 (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/46.json (key "10606", 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