# PREFERRED BANK
ROTHVILLE, MO · FDIC certificate 10628 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $134.5M | |
| Deposits | $126.2M | |
| Loans and leases | $62.5M | |
| Total equity | $6.0M | |
| Loans / deposits | 49.08% (p19 of band) | 73.59% |
| Liquid assets / assets | 50.34% (p78 of band) | |
| Uninsured deposits / deposits | 21.56% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.56% (p57 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 7.56% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | -79.42% (p2 of band) | -6.57% |
| AOCI / equity | -0.39% (p49 of band) | |
| ROA (annualized) | 1.24% (p55 of band) | 1.17% |
| Net interest margin | 3.60% (p33 of band) | 3.93% |
| Efficiency ratio | 66.98% (p53 of band) | |
| Noncurrent loans | 0.18% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 457.14% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 25.29% (p60 of band) | |
| Auto loans | $1.2M (1.88% of loans; DQ 2.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | NIM <2.5% | capital falling |
| 2013-09 | 0 |  | NIM <2.5% |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 3 | leverage <7%, NIM <2.5% |  |
| 2021-06 | 0 |  | capital falling, leverage <7%, NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | leverage <7%, NIM <2.5% |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | leverage <7% |
| 2022-06 | 5 | leverage <7%, losing money |  |
| 2022-09 | 4 | assets shrinking | NIM <2.5%, leverage <7% |
| 2022-12 | 2 |  | losing money, assets shrinking |
| 2023-03 | 2 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 | AOCI drag >20% of equity | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 | assets shrinking | capital falling |
| 2025-12 | 2 | reserve under noncurrent | assets shrinking |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | reserve under noncurrent |

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

- 2026-05-27 [Q1 Rundown: Preferred Bank (NASDAQ:PFBC) Vs Other Regional Banks Stocks - StockStory](https://news.google.com/rss/articles/CBMixAFBVV95cUxQNmxYeHAzT2NJMVJoZmpjMVEyRnZxZ18ybFlOYmdOWERBeFRfRUR4LTc2WGd3eGpReEtieEdLS0xsUGJHTmxCUEd6SmtiZmxvVUU2UWpDWWlNc09IUi10MURwYzNqeTJKYk1ydC02MVJfUXphX0c1WTVVOElhNTlvbzB0UlExV1lKeE93TzN3LVlULXRpeTZ5S1hJOFVJbkNPSlJhUTFsUF9zeVBBMDVVdHVmd3BWVDZoMTZmVEVYdC1YaFZl?oc=5) · StockStory
- 2026-04-07 [Regional Banks Stocks Q4 Highlights: Preferred Bank (NASDAQ:PFBC) - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxPWm9BNjRUWmxyOEtlNGN4RTJkZzFlckZtZlE1RnZuZFZzb2o1QkZPVEp4ZGlxVlBQNWgyN1FqYVFjTTRPOE5jckI1dFdNTXA3QjF2YndQNXphU2FuSlNJekg5XzJLODU3bzQxbkhsSWJxaVhRYlpBYzRNTXVJMzlvTWxiVzNqWS0zakVXOGpZcWJKUnZ4Z3pEUm5xS2Q4QWczX1E?oc=5) · Yahoo Finance
- 2026-01-02 [MOM CA Investco: Mo Honarkar Feud Sends $382M Portfolio to Receivership - ElevenFlo](https://news.google.com/rss/articles/CBMickFVX3lxTE43RHMyOGJxblhGa3VQS2xTUm9QTllmemtxREF2MlBmUFNteElySUcxMko1aTBXOWdKRnM2dGh1QXptak1QYzVrdlFyc3JOUDdwY0U1dERCUjF0MkVBVUhFOUtzSDhkXzFnQmthTzV1N0s3dw?oc=5) · ElevenFlo
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2026-06-23 [3 Bank Stocks We Keep Off Our Radar - StockStory](https://news.google.com/rss/articles/CBMingFBVV95cUxOSERieFowbnZxdmtLLUpNYVdZZ2NVRXZNbkYtb0ZVMFFFRDUtTjhkbnU2SDBsTEp0RHg5bW13cWExNVdTbmhhZDlPbUVtRWlhVjQzTHEwWl90dWdIbC1NZGNJUEdGT2lMRTFFa2ZsVHNBYWROWDlfbE84bmtHTktVb1pwN250bUN2TjlYdVlqTUR4LVphYjZHTVo0R2xxdw?oc=5) · StockStory
- 2023-03-13 [Silicon Valley Bank: why did it collapse and is this the start of a banking crisis? - The Guardian](https://news.google.com/rss/articles/CBMiygFBVV95cUxPd19yQnlmLWJreTRQUDVYN0ZqdkhtazY5MXRZOEdrVHVMVVNaWHlBUkJNTHdWQ2wzODRMQkpWaVRwUG9EY0NaSGRkX1QyaUdINU1BQlhzQ2VTcGRmUmg1YUttYk5HZFZWZnFNbklTWS1zSUdjN3IzRDYyTS1YRHNFS25CeGJGUUxCNmpIdkZTLUhacHVXMWZOUmdWQVczN2ZJN1JNZVIzN21kdjVwNFJlTmJValFONktfSEpUNVlSNW83ZGl0TFRWSUZ3?oc=5) · The Guardian
- 2025-07-03 [Marceline man charged in forgery case involving over $1,650 in checks - KTTN](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTUpsNHpZR2lNdlV3MklEczBJZno5YjFuaGZ4aWwtT2lLLTNWN1RfT2NuQWc2TTFJMWVkSzJ2R3gxNnhLd2sxMjNTNkVOWkZPSGlrb1VQUnFRa3NHbEtfVVd5bVhUMVp1N2lBdFlXYlV4dTU5LWxmcEM3WmdFZS1mbTViLUtZekQxTGpOS1Fyckgyc3Vfb21Z?oc=5) · KTTN
- 2014-09-25 [Why Buffett is always betting big on bank stocks - CNBC](https://news.google.com/rss/articles/CBMijgFBVV95cUxNeUVoZVhPX2l2V1h3amJxNFBoMXpKU3lSa3dyWTd6OS1TUW9OYjlZUGIwUW1xMFVleEw3eE5mY21HallWdGFqTVVWTWU3bUZpM1N0cnpaOTRaVTZqZEJ3MEFpQk9Tck9WQ1I2RWxobElLOGV4TDJyTXl4X2tWd0o4UjJubzVJTF9QQk44bzZn?oc=5) · CNBC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10628 (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/4.json (key "10628", 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