# GRAND MISSOURI BANK
BOLIVAR, MO · FDIC certificate 11003 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $151.1M | |
| Deposits | $127.0M | |
| Loans and leases | $123.3M | |
| Total equity | $21.4M | |
| Loans / deposits | 95.99% (p88 of band) | 73.59% |
| Liquid assets / assets | 15.11% (p12 of band) | |
| Uninsured deposits / deposits | 8.60% (p10 of band) | 19.81% |
| Brokered deposits | 3.80% | |
| Wholesale funding | 5.12% (p73 of band) | |
| FHLB advances / assets | 1.32% | |
| Tier 1 leverage | 13.72% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -0.54% (p82 of band) | -6.57% |
| AOCI / equity | 0.08% (p89 of band) | |
| ROA (annualized) | 1.01% (p40 of band) | 1.17% |
| Net interest margin | 4.80% (p85 of band) | 3.93% |
| Efficiency ratio | 62.62% (p42 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p71 of band) | |
| Reserve coverage of noncurrent | 531.11% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 48.54% (p78 of band) | |
| Auto loans | $2.2M (1.77% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 25.3% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | losing money, expense ratio p90 |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 3 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2012-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 1 | capital falling | losing money, expense ratio p90, reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | losing money, expense ratio p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 | capital falling | losing money, expense ratio p90 |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 7 | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-06 | 3 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 4 |  | noncurrent p90, expense ratio p90 |
| 2018-03 | 5 | capital falling, expense ratio p90 | assets shrinking |
| 2018-06 | 7 | loans exceed deposits, noncurrent p90 |  |
| 2018-09 | 3 |  | deposits shrinking, uninsured deposits leaving, expense ratio p90, noncurrent p90 |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 | NIM <2.5% | loans exceed deposits |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | NIM <2.5% |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 3 | capital falling, uninsured deposits leaving | losing money |
| 2020-09 | 2 |  | uninsured deposits leaving |
| 2020-12 | 2 | losing money | capital falling |
| 2021-03 | 0 |  | reserve under noncurrent, losing money |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2022-03 | 3 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | loans exceed deposits, reserve under noncurrent, deposits shrinking |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 6 | assets shrinking |  |
| 2023-09 | 1 |  | losing money, expense ratio p90, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2023-12 | 2 | wholesale funding >15% |  |
| 2024-03 | 2 | capital falling, expense ratio p90 | loans exceed deposits, wholesale funding >15% |
| 2024-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2024-09 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2024-12 | 2 | brokered >10% | loans exceed deposits |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | losing money, NIM <2.5% | brokered >10% |
| 2025-09 | 1 |  | capital falling, NIM <2.5% |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | uninsured deposits leaving | losing money |
| 2026-06 | 0 |  | uninsured deposits leaving |

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

- 2025-07-08 [Longtime Bolivar bank rebranded - Springfield Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE5LbWJLSFl6Uml5R08wcU5QXzU4RGF1MlhtbkZzMEhlYjYtTFJUbHc4NDFQMXU5YWtzVENOcVB3Ym80N3pTZXp6TkZvTWRzUDRtNWVQVU9BZTdqcHhKUlgyTE9TQl9KRFJ3ZzJOZklpRQ?oc=5) · Springfield Business Journal
- 2025-07-16 [Lime Bank is Now Grand Missouri Bank - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcGc2djNrUUF4UjIwZTFnMXBMaURRUm9fcUR2WjVXMDd5dmNKTVN2ZXUxSEtwNm95dGMyaDlBTTFLM3JuNmNXaV8xVUhOVHUwZjNvYUl3RUdVVzZfT2tHOW9aQjJobDFCRkk3LWZoUU9Ua2x4bEZrS2dHWlVveHBmVDR0TQ?oc=5) · Bolivar Herald Free-Press
- 2025-05-01 [Bentonville Bankers Acquire LimeBank - Arkansas Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVEgwdi1rRnVkdzBhZFVpcVE4TTZRTW9KSEtjOVJWYXlpbzMyMU9tXzE3djVndW5teE1rem1OTHNDVEFreEpudzAwQmIzQnFLUHQ0NnBUT0VJNUdSVl8tVWRQWlFnMWE5c21Nanp6ZzQxRDZGU28zU3FtTDlxc2FkMmxVQTY?oc=5) · Arkansas Business
- 2025-09-05 [Newsmakers: Sept. 8-14, 2025 - Springfield Business Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE80VnROWjVmUzFDb2lULS0xSGxOZGxqSWJPSWd2OHBCc0RBVnRuVEdDQXVYN3prbDlmQW94cVctMF9IaVdrV3YzYWFnc055MHFJZzc4bXdIck02RFFjQl9xaHItS0l2UlU?oc=5) · Springfield Business Journal
- 2025-05-07 [Local Investors Acquire LimeBank, Pledge Commitment to Community Banking - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxOdmxSOGVOWFF2RVVVcWxRY0Y2SVlxM21jSUNIQjhVcVJfM2NkdGp6NTR3NjZlX0pxM2VwRTNwQUVhMElBQ2doclVyNkVJam9YcGV2N1I2cmNxTUtkdUhpVjhpSTB6b1gyeFVFZ29VSjhWMjlJR2NtVVZyZE41QzQzNk9GZzRNNWNrOHQ2b3BCWEhtZFM1ZGJ2VTRscGM2WmNwUDVLWk1zOXA0SXo0R0xSczl3?oc=5) · Bolivar Herald Free-Press
- 2025-07-25 [From the Ground Up: Citizens Memorial Hospital expansion and renovation - Springfield Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOZ0c5ZjhMcDNwMEtmRlZVRXVWVUpCaHZMc09WbkYyOHExMU05RUowMG9DalNXRVU5elBEX3d3LUQ2V3BoMS1LZXZ0QUZZSDBuN2JPUUVveU1WbXFRNjdoSlBlNG5ONU1TbWwxVXNZbEF0bVpIWHlTeDJNRGhCaUhFYWZiMEhURTk1MzE0MkYyVmdabXJQRkRJSGtreEJHXzYtVGlN?oc=5) · Springfield Business Journal
- 2025-08-27 [Citizens Memorial Hospital’s major expansion set for 2026 opening - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOdi1fNHRnODBSOXhtdTR0M2piU0JpVm54c1M1aS1zMGRVV1NjcXlSX3JXRWVoeV92d0xRUlVIcmpSQXVlZ25QSUlER09Kd015dUNCTTRpSFMza2FsVGVodnUxR2RkZVdDcjQzWHBEbzlGdWtQVGdDQkY0NEFueGxRd1A3ajZHMEZBMHhMNVRkR003U055cUdDclNRUXQxLTUzZTVVdjNRdk0?oc=5) · Bolivar Herald Free-Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11003 (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/59.json (key "11003", 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