# STATE BANK OF MISSOURI
CONCORDIA, MO · FDIC certificate 10623 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $134.3M | |
| Deposits | $122.1M | |
| Loans and leases | $82.9M | |
| Total equity | $11.2M | |
| Loans / deposits | 67.11% (p40 of band) | 73.59% |
| Liquid assets / assets | 36.19% (p57 of band) | |
| Uninsured deposits / deposits | 33.69% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.93% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -14.87% (p30 of band) | -6.57% |
| AOCI / equity | -0.58% (p41 of band) | |
| ROA (annualized) | 1.32% (p59 of band) | 1.17% |
| Net interest margin | 3.83% (p45 of band) | 3.93% |
| Efficiency ratio | 57.22% (p28 of band) | |
| Noncurrent loans | 1.80% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 61.96% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 40.27% (p73 of band) | |
| Auto loans | $881,000 (1.06% of loans; DQ 2.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 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 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 2 |  | noncurrent p90 |
| 2024-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2024-09 | 2 | reserve under noncurrent | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity, noncurrent p90, deposits shrinking | charge-offs p90 |
| 2025-03 | 2 |  | securities losses >30% of equity, deposits shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2026-06 | 4 | assets shrinking |  |

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

- 2026-08-26 [Answer Man: Will there be no locally owned banks in downtown Springfield come October? - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMioAFBVV95cUxNblQ5a0U1TTY4OFQ3VjYya0FZOE4xM1lTSm12eVdOU0NaUmV0cnJWcE5MYWtpVTdFRVFtbTI1V29HRjBZcFdKbVppbWxobXJwOEN6X2d0dHR0STVYWEdPTGhkZ0VwelIyck0wMW9zdG4zQXY5cmNnbE52T1pacW5jRC1MX2RnVzkzTGdGc1AxMS1SdEFFbjI1YTc4R1JZakxa?oc=5) · Springfield Daily Citizen
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2014-10-15 [Business brief: Boyd named chairman of state banking board - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMingFBVV95cUxORnhIVUNCcTQzd2ZzUDM5UnlmYUlWaUtpNk5SRXNIMmlwZXZfYURDMU1mWnhsNHlMSy1sMmpWSkJIdmh5UlNNWjZCSjk1a3YxRXFNbGx1NG5VWlBpcnVYZThQWEJaVWdzTDY4S2pvVE95T1VCdTdxSDhDdzAxSG1vUGVIY3dyUzh6UEJQT1E4NVpneW05TTBwQXBrYTNpZw?oc=5) · Bolivar Herald Free-Press
- 2019-03-30 [Grain Valley candidates see opportunities - The Tuscaloosa News](https://news.google.com/rss/articles/CBMib0FVX3lxTE4wdXdQQzNlMVU3NW81elNNb1pQdW13ajBKQjhsejJqZkZwTGN3RHdCWEVPSUJ5X1BZbnhETE1WY00wRnBQRVdfblYyNC01NlRxQi1TVzZGVjY4Sl81Mi1sVzgtbUlWNEJtOGlkM3VjWQ?oc=5) · The Tuscaloosa News
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - Gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · Gizchina.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10623 (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/63.json (key "10623", 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