# STATE BANK OF SLATER
SLATER, MO · FDIC certificate 10613 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $43.5M | |
| Deposits | $37.7M | |
| Loans and leases | $28.7M | |
| Total equity | $5.0M | |
| Loans / deposits | 75.25% (p62 of band) | 69.20% |
| Liquid assets / assets | 30.79% (p41 of band) | |
| Uninsured deposits / deposits | 8.78% (p52 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.15% (p46 of band) | |
| FHLB advances / assets | 1.15% | |
| Tier 1 leverage | 11.64% (p70 of band) | 10.13% |
| Unrealized securities loss / equity | 1.79% (p33 of band) | 3.81% |
| AOCI / equity | 0.00% (p29 of band) | |
| ROA (annualized) | 0.92% (p57 of band) | 0.80% |
| Net interest margin | 4.15% (p72 of band) | 3.77% |
| Efficiency ratio | 65.87% (p34 of band) | |
| Noncurrent loans | 0.32% (p24 of band) | 1.27% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 353.26% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 1.33% (p18 of band) | |
| Auto loans | $1.1M (3.98% of loans; DQ 1.05%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |

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

- 2025-07-30 [Betty M. Shepard Obituary (2025) - Slater, MO - Weiker Funeral Home Inc - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPQ1hfVWdiZzlnbXJpcTJ4X1Y1LTctcXJXTlBiV05idHc2ZEpzYmY4Z0I2N0FPMVBxMm9JR3BqdXNxRGdkS2doc2NPZVVBVTdyVXZ4NDVtM090MkR4U0JIdE5kNnd2VVFWY25peXYtVGVxMFh0b1p3SThQLWc3M21KdGpn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10613 (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/53.json (key "10613", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide