# ST CLAIR COUNTY STATE BANK
OSCEOLA, MO · FDIC certificate 11002 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $231.8M | |
| Deposits | $195.7M | |
| Loans and leases | $178.5M | |
| Total equity | $30.8M | |
| Loans / deposits | 90.06% (p80 of band) | 73.59% |
| Liquid assets / assets | 20.21% (p22 of band) | |
| Uninsured deposits / deposits | 15.85% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.51% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -0.36% (p85 of band) | -6.57% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.17% |
| Net interest margin | 4.34% (p70 of band) | 3.93% |
| Efficiency ratio | 41.49% (p4 of band) | |
| Noncurrent loans | 0.24% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 511.90% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 19.82% (p53 of band) | |
| Auto loans | $5.1M (2.87% of loans; DQ 4.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 0 |  | capital falling, reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 2 | reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 | reserve under noncurrent | capital falling |
| 2022-12 | 0 |  | reserve under noncurrent |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

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

- 2024-09-12 [Former bank executive sentenced for $1.5M fraud scheme - KCTV](https://news.google.com/rss/articles/CBMiigFBVV95cUxQYktidUU2cm1VV2JuZ2N0WGFIZVhqTHpxYXVPTzNManV6QjBHZEN6QWFqc2FLRnU0THhWYkJXUXVuamU5U2t2eWM5UHo5RW5yN1Vtb09BN2ktenZ3aXNDaE9zUFlyOHRRZGRqc2tuajFvOHVHa3FaeHVTbzdYYk00blk5WHlVVG5manfSAZ4BQVVfeXFMUFJMMXJXdFNaTXRmeGtsM2FoeGhWVVpaajdPdVAxaFBmNGlLSmZXcDBSS3FtSnVrZ2dUNlhzSkNtWVVoUXhXM2JtbWJ6VXZ3am5WWW1qZ3R6NjJUNkktSEMwb1ZlZ1N1LS1FQ2JoYV9pSmZ1QzlGM2twZUFFWWk5UDhNQTdyNXRydDlxOW1VNjh6TFJLNWVIcTBRN0dpUFE?oc=5) · KCTV
- 2024-05-10 [Ex-Osceola, Mo. bank VP admits embezzlement in $1.5M fraud case - KTTN](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQ05rZzZ6SlZVcGxwbDVJX3MyVkVkRDl0Nkt5a2tqQXl6ZDBfSFluNnJteW0tTEhlVUxDTW42SVlSclhNUU1LWWk3alNXa2dtZi11Q0VBVUZ1MEFoQTM1QlhWX2daR2hnczNiSTZfeVhlN0hmMmlsVm50YTZ4b1RVczRiV2Yydw?oc=5) · KTTN
- 2024-09-13 [Osceola woman sentenced for 20-year-long bank fraud scheme - OzarksFirst.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVi05Z3RkNld3MEs3am5yX3FMQ0MxdFlFUUtrZnpWS1hhTkMwSkVzTnBFcUpfOWdaYzZfS3JLTm1ZbThPeWZNZV9Zd0loUzhWNmpHaTVQMGNzUjg4WmZjWVd2Z1VaeWRLSjQ4b2w3RlVBYmFkTHJBeTl3NGpIRXp0d2xJaGZEUWxEVV9UdUVHZUZyMWVLbHhJ0gGcAUFVX3lxTE96ODFCYkQ5RVF6YjliLUt1QjdUR0dEblZKMGNHQ2dSVGFfUG5QeDRtY29OWi1pZG0wQXdjSERFN09aOXFhdk0zUzMtOXk1X3VIdGNLdU5KMWFnNUNBNFctV1NKNXl1bzRabl81ejl5aF9XUUE5TTBuYnpzT1hYcm5wX29sOU9PdGo4SUJ5TUZONGVVd1BHUVl5d2NIdg?oc=5) · OzarksFirst.com
- 2024-05-10 [Former Vice President of Osceola Bank pleads guilty to embezzling $1.5 million dollars - KCTV](https://news.google.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?oc=5) · KCTV
- 2026-07-08 [Allen Allen Hoover Obituary (2026) - El Dorado Springs, MO - Bland-Hackleman Funeral Home - El Dorado Springs - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOVFFNb3dseUxZM29kNV9nVUljRHdESFZFY1IzandWb2g5RzhWUXd1RG12WHc3THZ2MHRHNWI3dmQ3c2NsbS1PYlhqYmYwa2hmbHNBS0g2WjFzOHpWSEl1eHUyVUpkMlRScmtoTkRuUWREMGplTGowSFczeTg0ckJrdA?oc=5) · legacy.com
- 2015-07-15 [MARGARET PLATTER Obituary (1928 - 2015) - Overland Park, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSllEMnVicnRnZlVfRm15RXFOX01TSVVDS0xSRDZ2U1ZYNzI1UngweXZmaXFCeVY4SzI3VXo0MWE2ZTFwZ1NZMXI3bVU3b0drVlYtZGZLMDFKbEFoWkFwUTdRVzgwU1VpTWhSdUFfWjRkMnd1bFJCVnlCUHM5cEpuRW0zS3oyUUk5VmFKQVpia0dRMk0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11002 (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/58.json (key "11002", 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