# BANK OF NEW CAMBRIA
NEW CAMBRIA, MO · FDIC certificate 10626 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $31.9M | |
| Deposits | $27.8M | |
| Loans and leases | $9.8M | |
| Total equity | $3.9M | |
| Loans / deposits | 34.24% (p8 of band) | 72.79% |
| Liquid assets / assets | 66.21% (p93 of band) | |
| Uninsured deposits / deposits | 5.55% (p4 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.38% (p74 of band) | 11.81% |
| Unrealized securities loss / equity | -25.53% (p19 of band) | -7.16% |
| AOCI / equity | 10.06% (p83 of band) | |
| ROA (annualized) | 0.70% (p28 of band) | 1.07% |
| Net interest margin | 4.08% (p63 of band) | 3.81% |
| Efficiency ratio | 80.41% (p77 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.35% |
| Net charge-offs (annualized) | 0.09% (p85 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 63% | |
| Construction % of loans | 0.43% (p18 of band) | |
| Auto loans | $111,000 (1.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **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 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, charge-offs p90 |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 2 | capital falling | losing money, charge-offs p90 |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 2 | capital falling | expense ratio p90 |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 4 | losing money, expense ratio p90, NIM <2.5% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 7 | assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 5 |  | NIM <2.5%, uninsured deposits leaving |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 2 | capital falling | losing money, expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 | uninsured deposits leaving | capital falling |
| 2024-09 | 3 | deposits shrinking |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2025-06 | 3 | deposits shrinking, assets shrinking |  |
| 2025-09 | 3 | uninsured deposits leaving | securities losses >30% of equity |

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

- 2026-02-11 [Banking Industry Outlook: U.S. Banking M&A Caps Off a Historic 2025 - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRzZvazJ1ZFF0YXowU21fOHdGa2Znd3dZdHAxZWRrWnlweWc5Q2VYQmVrLThoalZ5UTFCVUluWXk5YWJ0ZTJhQTlxSThQTUlzWHY0dmx6WmgtXzYxM2JKM2FxRjJFUVBYZ0RxX3pIbVF4cU4tYXR0UEpxV183VU5hN1pKcWlZMGR3?oc=5) · JD Supra
- 2020-02-26 [David James Obituary (1932 - 2020) - New Cambria, MO - Linn County Leader - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxObTRlODkyY2ViMndXUjViOWpsSHJFQVVnWHpUN0Iyb2RSMmRtWjJTT3F1eWFlNnZkbkZPVmo0MFFJOTdZWTlHdGN2b2d1WTZzWXN1QmtTQTdtLTdDTzctNlp3VmlRT0o4QThRc0VmQmJCT1FPVW85SlE2ZldCRjRGWUVjNG1UdTF3NGhCWi1wQnRVUTNYY3c?oc=5) · legacy.com
- 2011-09-14 [3 sought in bank robbery indicted in Texas - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxNUHRwbExZWnEwbktPYmUtdm5JVnFoeU5yMEVsUkNuZ1l6M1JRXzNrZHRiaWwxeVJubzE3Qm9pdjlLdVUyYko1dHc5ZGpaRkhmZ04zRkY3RHR3bWJ4TWlBNGVwdVQyTGFtQzl6TWc4eVVlQllCcGFuWjdGRzhuNDh2bnBldXk0T1ViVTVwVHRtaUtIYXNxSkJhZHoyU1dpZw?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10626 (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/2.json (key "10626", 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