# FIRST COMMERCIAL BANK
GIDEON, MO · FDIC certificate 10621 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $216.9M | |
| Deposits | $162.2M | |
| Loans and leases | $151.5M | |
| Total equity | $28.2M | |
| Loans / deposits | 91.02% (p75 of band) | 78.40% |
| Liquid assets / assets | 27.50% (p47 of band) | |
| Uninsured deposits / deposits | 22.33% (p76 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.95% (p86 of band) | |
| FHLB advances / assets | 8.49% | |
| Tier 1 leverage | 12.22% (p62 of band) | 11.34% |
| Unrealized securities loss / equity | -3.81% (p44 of band) | -3.15% |
| AOCI / equity | -1.92% (p48 of band) | |
| ROA (annualized) | 1.17% (p60 of band) | 1.02% |
| Net interest margin | 3.49% (p31 of band) | 3.82% |
| Efficiency ratio | 57.88% (p20 of band) | |
| Noncurrent loans | 8.75% (p99 of band) | 0.57% |
| Net charge-offs (annualized) | 0.03% (p67 of band) | |
| Reserve coverage of noncurrent | 29.12% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 7.80% (p34 of band) | |
| Auto loans | $2.0M (1.30% of loans; DQ 2.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 | charge-offs p90 | wholesale funding >15%, capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2013-03 | 1 | assets shrinking | uninsured deposits leaving |
| 2013-06 | 0 |  | assets shrinking |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 2 | loans exceed deposits, capital falling | deposits shrinking |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 4 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 4 | capital falling, assets shrinking |  |
| 2018-06 | 2 |  | capital falling, assets shrinking |
| 2018-09 | 2 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-09-06 [Cross County Bank to unify operations under Cross Bank name - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxOU3UtQTZfcWxVdTd3ZU9kN2dUc2hCaE1QYXdTRTZCY3dUVFpzQmlrYzdzNUt2UUdCQzJ2TXp3bmRZUF9FcWdwSGgxQzVnWnRjMlVjV1UzLWJYVkVqZWVSdXVUMDBmZE9jejhpdmZxX21TYjhfTWlsQlJ4cDFLRHR5ZGRQbGhfQ09vSzhjZ0lkNVU0MUFHVXZHRQ?oc=5) · Talk Business &amp; Politics
- 2015-05-28 [Jury finds man guilty of Essex bank robbery charges - KFVS12](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWWoyVmc3eTM5emFETFp1cHFObHZISUhwRTZ6aWZ3NHJhQXhuNVBGMFRVbTNvZngzaWVIWmFyZ3N4bUNLWEMxZDNEbFhKR19lUzFWck15amJmemtvc2U5Z2dXZGYzOEUyNzI1aGJrcFVMRkhiMnA2aFdLTHpmaXp1TDh1dnB2ZGlNOFlUVEw1azJ1UHVw?oc=5) · KFVS12
- 2025-02-12 [Jeannie Elizabeth Williams Obituary Nov 20, 2022 - Amick-Burnett Funeral Chapel](https://news.google.com/rss/articles/CBMiekFVX3lxTE5YWXM5UW10T1lGdWttODJyMzAxc1dfNVZ4azlkTkp4b0IxNnZDTzlGcjVmTTVIaWRLeHlpV3hXS1o4RmtUZlJJdVFpSGxENXY2aE5TWUJNT3NHS0FCVDBGTkNqTXJQTHFMRG95eVdFSXMxclBMMVk5V2RB?oc=5) · Amick-Burnett Funeral Chapel
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2012-09-29 [Fatal Tree monument unveiled - seMissourian](https://news.google.com/rss/articles/CBMif0FVX3lxTE9nRWpMRHlFSVQyT0FBSWx5YnA3QW1FWlBxYzk3clhOVWhkRkRVLTBHaHVqVG1RSndRWWgxY3dEOHUyMko3eVZScHJubkVyUW9DSEJlOGZLNmI1djE0Y2RlZmI2MVZ3WVo4Q0tObHlTNWpsUzBBa1huS3VSVFVtWnM?oc=5) · seMissourian
- 2013-10-10 [2 arrested, 2 more wanted after Morley armed bank robbery - KFVS12](https://news.google.com/rss/articles/CBMimwFBVV95cUxNdGVLYjRXY2hXSHhLemhEejlNTmlob0VLcXE1cGEwQmRaRWx5UC02MmZKTENfcmNuZDRYMUJUX2gtMkJMLWdiZWNnR1JDWmVfbEMwMThfbktvSU1kYkhSajNkMG1BZkwwY3AzallPaXhGa2pVTjBUNGFQOXdVbzkxbmZ3dVk1UkM0c1dNazVyOVV5aFVuU2JDN05Hd9IBrgFBVV95cUxOeUZYbThRU2ZELUtqejRuVXAwQVZFaHBTZDFfT2VfVDNYMUNWdFdOZjRGLTJaTFh2Wkl6RHJxa19MUnNVN2lNMlFVTzNiT3NYS2RkaTNKYXJCY1oxSHJsTU5IQXo1WUFxM19SOVZpVlBXdU5EdG9qdndjb0VOc1VIUnpCX05qTDh0emd1QmQyemYtUU50WUJZczY2bko4OXpsNHVUSmJYS3hYWS1zX1E?oc=5) · KFVS12
- 2017-01-24 [Taiwanese bank opens Manila branch - Philstar.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZGtnSDdfTnpsVXpGMzI2ak9QZnlRX3JKS0JkTHVYeURZYmZoa3BENlhacnBfcWszTk1MZ3psX05nUTY2V3BiWFFBeHVZZG1Va191dDFZUmI1N2h0clBwYUoxa0RZYkN3UDBBMHY5bWxaV3ZMQUhUUFFXbWoyOGxfZy05QkVKcWhaZjlXR1k1RG0xRkdDWmxtd1F2RdIBogFBVV95cUxQdkVvUVVuODB3M1A2M3RIZk5oLU5XejFLS3FnMFBDOUVpNzZfUGR5RW5MMWNnaFVOWDBZNzk5SW94ZjFmamstVzA0aWhSdlY5ODBZZU5JX1dfYzVENi1WYWhOV2ttNU0wYlRkc1ZCelRWVmhIM3I3NUpsNUlvZ3pvTzh6TjdiNWg2blAzMEtPNzA0bWRwejZHUHBZSXZwa19rZVE?oc=5) · Philstar.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10621 (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/61.json (key "10621", 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