# SOUTHERN COMMERCIAL BANK
SAINT LOUIS, MO · FDIC certificate 1080 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $504.1M | |
| Deposits | $433.3M | |
| Loans and leases | $264.0M | |
| Total equity | $60.9M | |
| Loans / deposits | 59.16% (p16 of band) | 79.82% |
| Liquid assets / assets | 45.85% (p85 of band) | |
| Uninsured deposits / deposits | 6.06% (p6 of band) | 19.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.44% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.02% (p79 of band) | 10.09% |
| Unrealized securities loss / equity | 1.08% (p38 of band) | 1.83% |
| AOCI / equity | -4.21% (p0 of band) | |
| ROA (annualized) | 1.75% (p90 of band) | 0.88% |
| Net interest margin | 2.80% (p11 of band) | 3.54% |
| Efficiency ratio | 129.10% (p100 of band) | |
| Noncurrent loans | 0.87% (p51 of band) | 0.85% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 331.00% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 27.52% (p44 of band) | |
| Auto loans | $926,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 3 | charge-offs p90 |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 2 | uninsured deposits leaving | losing money |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | expense ratio p90 | charge-offs p90 |

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

- 2014-12-23 [Two local banks announce merger - KSDK](https://news.google.com/rss/articles/CBMijAFBVV95cUxPUDJqeGZZcXFDSFFiX2thc0xmVDdnTG9QX3hoRWdtV2ZlOVBMMjM0dlJsODh3SDJTWWRvdW53NTU3Y3ZWdENRQkRRYjRobHF2NXYxYk0yZ3ZnU3RyeGduU1ZlWkF2cWpXSXVMM3VxWWZDTUdaRVNWeWlEZlpMaHI5Vm96MklnRDFiNUtiRA?oc=5) · KSDK
- 2026-04-02 [Bitter, Nancy Mary Ann - Kutis Funeral Home Inc](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5qZ2FONjBzWlYzdkNHZkV1MS1LcksxREpTMjdqVXpKN1NSN0dicUlHVFI3NFBxcnpyR2g1YUZVS3ZhSXhuSDhDUlFSYTM2T0ZLZmpfY3ppRHg5Mzh1aTRpb3h3?oc=5) · Kutis Funeral Home Inc
- 2024-10-10 [Charlene Susan Moore, 78, Arnold - myleaderpaper.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPYUt5M0FYaHZ3bVNIS084X2NYMWZxbUlxUEJUU0lXRGsya2dBOFpMakNXenE0R3RjNU9Ia1RNSENqcVRDNzZVRmo4MEY4V0R6RkJfZm5UQ0h0d3dERzZtVTE0dlNQTmVMdTA4R2NGcExwZDRDdnpKTUN2QlRncjNPaFI1V3JSaTdNRmFmUHdvcXktcXVzdXNmUUZaTmhYMnNzUERkN3pXOXk3MHotYXlFaloyVklZTWhIeXdFcDl3QzR2bEFwcUo4S093TnZSejg?oc=5) · myleaderpaper.com
- 2026-06-23 [Joanne Vasquez Obituary (1937 - 2026) - Saint Louis, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQbzREbkNXcXppRWdXNmowM1hjNWg0b1FfMmFSd21RLUc2a2pENU5xQTYtNFJfZzN0QTFDYnlvUU52VkNhek03NUgtbExJQUt1d3hab1QzVlZ6V2hCZzFGOEViLTBVSklZRm8zY0l4UFNxQVJWdl9VamF6Y2x3bmg0dnFmWm14VlM2aGNoNGx3bw?oc=5) · legacy.com
- 2010-12-15 [Debra Bryant Obituary - Arnold, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE04YWRUcll1bzhBR18zYkZOTUdjenBoRkM3dmEwak5nVEg1NUNzVDlGa3lfbDdtdjBxVDhNckhUSExZdmRMOXNjUVR3V0R1d0lIVy0wa2JhcFBzOTFmYi13SXVxTTIzajFkbEZ3YlNzX0ZFMWVVR0s0Y2F0OUxYZw?oc=5) · Dignity Memorial
- 2015-04-13 [Douglas Schell Obituary - St. Louis, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMTBiVUlFSkszS3dhYnBPWWhhdU9lclAwZzJUS0NzbzNhV3pDN29MSzZLd1dVSWdWQkxDUzZPUWpCa0FlWWFtQlp3Z1FNdUlzZUFtdzhIbExpNDBmbWEtdkxXSFg3dGN6TUxXcURZVGJKVWF0Uk5OSnd2ZkpFTkxtXzZJZw?oc=5) · Dignity Memorial
- 2025-05-20 [Shari Cherry Obituary (2025) - St. Louis, MO - St. Louis Cremation - Arnold - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQUFF0OUppV29Gbk93bjlxaFByQzVsQUlUVG9kbDhBNkRFNEZWZ1JrU0otNVlVMGRhcjI5eG9RMkZ2TDdCeTVXQXpGTlJ6WWJmWHl2RlFiTmdFZTlYZzRaUWYtVV9VUkFmMU1KcDR4cjJoU01hQ2hWZXFtdXROT01tdg?oc=5) · legacy.com
- 2014-07-20 [Joseph Abt Obituary (2014) - SAINTE GENEVIEVE, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNLWp5alllYm1rdC1lYTRwbHNlM2dveXV6MDllQjVRdU54My00SFBab1c3SlhsTjRSRThfaGJtR2JmeDJiSDVta0stWkxMRndKbERBTVFJeWVldkY2cThCUGFIRXlTREdVcGVBNFRHWVY0dVQ3OThDelVxbnJSMFptQnEwaWwya2V1?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1080 (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/56.json (key "1080", 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