# BANK STAR OF THE BOOTHEEL
STEELE, MO · FDIC certificate 10629 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**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 | $98.3M | |
| Deposits | $78.5M | |
| Loans and leases | $79.5M | |
| Total equity | $9.1M | |
| Loans / deposits | 100.22% (p92 of band) | 73.61% |
| Liquid assets / assets | 16.33% (p15 of band) | |
| Uninsured deposits / deposits | 10.00% (p33 of band) | 13.65% |
| Brokered deposits | 0.96% | |
| Wholesale funding | 11.14% (p85 of band) | |
| FHLB advances / assets | 10.17% | |
| Tier 1 leverage | 9.20% (p22 of band) | 10.70% |
| Unrealized securities loss / equity | 0.03% (p25 of band) | 0.86% |
| AOCI / equity | 0.88% (p82 of band) | |
| ROA (annualized) | 0.74% (p42 of band) | 0.84% |
| Net interest margin | 4.65% (p91 of band) | 3.64% |
| Efficiency ratio | 73.61% (p52 of band) | |
| Noncurrent loans | 0.05% (p19 of band) | 0.69% |
| Net charge-offs (annualized) | 0.17% (p85 of band) | |
| Reserve coverage of noncurrent | 2300.00% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 8.23% (p37 of band) | |
| Auto loans | $2.0M (2.45% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.6% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 0 |  | capital falling, reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | wholesale funding >15%, capital falling |  |
| 2014-12 | 1 | deposits shrinking | wholesale funding >15%, capital falling |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 2 | deposits shrinking, assets shrinking |  |
| 2015-09 | 4 | loans exceed deposits, uninsured deposits leaving |  |

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

- 2017-06-18 [Stewart announces retirement - fultonsun.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9TSWNvb2FoSmk2YTRZOVVnUnBIekRDNE5UYm45TXVOS1oxRjgyLVh5djByZExUX0Z6c2lHYzg1NlhYYUlzYzAtMXU2R1Z5QjRuQXBYU1pONDNkYUF5ZHhKeFVaU0cwaFJ5RHlIZFl3SjA0S3FfVktCVEFGRFc?oc=5) · fultonsun.com
- 2006-08-10 [No Smoke Alarm, Five Children Killed in Fire - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMihwFBVV95cUxQM2pRNWduMDV3VmkyRWw0QWRoaE9BSGNlem9razQ2bmhSTkZiTmZCaF9tc0lUcXlManByWlVDS2R5aEk4SzhGZTRkckFDR2sxYzMwa0g0NzRFWGZYclRUWTc5bmRjajRjcHNVbGpBclpycXlvcTFaM2sxeEVoU2ZDRkdlUFNoRDTSAZoBQVVfeXFMTnRFNFhZeFZkaHh6UWtzSWtPZTlPZXdoVFlDcXVXdXhjdmkzM2dsNnlYcmljeFotYm1KV2FEWTRJQnd5VW9jckRKYkpFUkRsRFYxOWJDSlkwVXU3bURtOWk1VjItS0RjYmRlR1BPTlZ2NlhvVnVHdGlqV1FyS2dhd0hXTWQ2UENORWZ3ZzhUQ1R5c0NoSThnMUlBUQ?oc=5) · K8 News | Jonesboro, Arkansas
- 2015-11-12 [2 behind bars after Pemiscot Co. deputy nearly ran over - KFVS12](https://news.google.com/rss/articles/CBMimAFBVV95cUxPZURtbU5oMXZhNWhqS1ZDX1JQSnFaQmtkdlFLRFNPZTRUQ1NGelYwUGVVRmJhOFpWX2NsaWoyRU4xSzR6TFhNOWdldVRNYi1aN1BaR3lpTE5CazRQd2xMX1FDNk41VWpvS0dkanZ3VWVVR1UtUlNBWEVEMW1oMDBaNWNwTVNaekQzOEhCeGJzU3kza3VQRkdIQ9IBqwFBVV95cUxNemR5WEtXT09GUWdwMk9OSEhDM21WSXQ2NjdVdm91Z3VlOVZnMzBGajlSVFM3SzdBYUtMTkFCLWt2WlYtY2h1bVF0d1BLTlN4LTMxd3lrM3dVcW5oelU3TG5IbktKeE11Y2MxTVdEeS15LXpmcTQ5akpLWGJZSzRVR2M4S2NhakxTbENVZGNibE56dlQ2a1lydkhZYkpDVDBpZVBhdXJZcTVRSjQ?oc=5) · KFVS12
- 2007-02-08 [Pinnell Capehart Obituary (2007) - Memphis, TN - The Commercial Appeal - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWnJ4YUp3QWNqZE1NSEdYdjQtLU5kQy1DRGxTWlFLRTNjcnRBbGhidlFWOS13VkFNSDBsN2RPSDNEZko5Ml92bklTLWxuYkU4a3E3X2I1ck5mVHZKQTNrWTQxdDhIV0R3dHQ3Z2EyY3phTjBqSjlxV204UE9nVVBSaElWTks3M0x6bEc5dGdobVdkZVVBVzY3ekVrTHk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10629 (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/5.json (key "10629", 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