# LAWSON BANK
LAWSON, MO · FDIC certificate 11457 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $124.0M | |
| Deposits | $111.3M | |
| Loans and leases | $55.8M | |
| Total equity | $12.7M | |
| Loans / deposits | 49.32% (p16 of band) | 75.02% |
| Liquid assets / assets | 49.83% (p81 of band) | |
| Uninsured deposits / deposits | 22.05% (p75 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.51% (p41 of band) | 11.04% |
| Unrealized securities loss / equity | -0.21% (p81 of band) | -2.21% |
| AOCI / equity | 0.42% (p100 of band) | |
| ROA (annualized) | 0.50% (p21 of band) | 0.95% |
| Net interest margin | 3.32% (p26 of band) | 3.73% |
| Efficiency ratio | 73.94% (p59 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.60% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 87.92% (p92 of band) | |
| Auto loans | $446,000 (0.80% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| 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 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |

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

- 2015-01-06 [New Lawson Bank CEO's past suits bank's future - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQbG5kT2dmZGhoX2NwdEJuNWNaYWpGVkp2ems2WGtCc2ZHUDhWeThVLU5QSkdqTks1TDZRNEZCRllqTHNha3NYV1lQUTB3MVJTSVc4TXRKQjMxREhQQUJFaU5BZEpjeHU3a2R4cTZsV1kwNkx3aXRENTNDZWx5WUQzQnZhSmpVbHR4V1R5bmtrdFNidHNVcjIycw?oc=5) · The Business Journals
- 2023-01-06 [Central Bank announces new CEO - Northeast News KC](https://news.google.com/rss/articles/CBMicEFVX3lxTE5EMGVUTGk2am1kR1k4c25kSWIxSG1PSkRjbmx3TllZTG10ckt6OG9meDg0Wk9GaEwxVTVKNlRTSWpaWHNESHZJVjVDNUhIS0tLTDZJRTc3QVU1b2djRC1mZkplUWNKMFVjaElRZmh6NlE?oc=5) · Northeast News KC
- 2026-07-16 [John Michael "Mike" Schwarz - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNc29TQUlYR3Zla2pUMG5BcUt0cTMzek9FWjJqVFN0MGN5N0VHQU84XzRTSkt5ZEp4NGpmM3ZNUWVVWlljZ3Nvc0NPV1RDajRsdGlIV2tybzBVSTZxOXAzcDhqeGstUjU1aTE3c3gza0N5eEFwOEVxMXNQaE94VGJkbA?oc=5) · legacy.com
- 2015-02-09 [James Vernon Alderson Jr. Obituary Feb 9, 2015 - Speaks Chapels](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5wWjNiSGtYOVhSN2hlVlpvalFBdkdINjBZTE9IRDRjdVhOMUdYTTBrcTdSMlR1dHhCNFFhemJ3eXdkRWpzZGRxWXM0aVdZWmEyWDJadW4zcWFMWXVhU2VDMzJSR2s?oc=5) · Speaks Chapels
- 2018-02-09 [Park mourns the loss of former social work professor - stylusonline.org](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQWE4bFZzRHl1ZWhXc2NLb0hoUS1sbUdSZzhrVEZsOUROaFhpM2JVcVNlRUJSdG15NkRuUk1XUTZ6amxEUEVIU1N2b0xSU0lvV2lwNVRhX0VwRFpjbUoxcjk3RVQxWm1kR2JPM2FmSkg1MG9IM2RkS0pQT0NJXzR5LVQyWDlIWGJjT1RxOUM1Q3Azcy1ybWVHTTJBX2M5ZlU?oc=5) · stylusonline.org
- 2021-03-30 [Springfield school board candidates raise more than $93,000 for campaigns - Springfield News-Leader](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQRHZDRDhxMFR4S2lZWFRfR3I2SVIzenpSX3ZKUUxNSHNfUjI0ckkzVkcwNDdaLTFTRVpUREZibkFHRTF0NWJYeUlpNEpwbllfeGhtSFVRSzZsLXA4N1pJWGw3Wm14aEhZZHVPbjFZdFlBQXNzQjlFZnR0djNPa1pQYU5LSlpWY1B0X05uM0gxQm9pcEtrcWVzM2c5Nlp4NEl3aUtDendWZWgzcGNDQkx6UUxhQl96NUdLcEhwYUJGdmxwU3cxQVNkWjdnR1hBTzJIcUd3TjFMb21ieFc4?oc=5) · Springfield News-Leader
- 2019-04-11 [Behind the Deal: Central Bank's acquisition of BankLiberty - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNGhxdHFFVmlmZVBJYTZGaUVpV0tmb1gycDNCeVF5MjczUjhqYU5RUXEwYkFUdDhHRG5SVmRQNTFEaG8wY1Bna3RlMDBKVENsSGNOTm93S2gtYmNEcUxyUDRLVmN1Qm5qamlJSU9nS0NyWlhhQnhFSFBkUVgwX3lEMFQ0cG1rRVBIbWtMLVVBQkNlMlVxbGwyMmd0ZkZJVTlKZVVoUjFjT2NKV0E?oc=5) · The Business Journals
- 2018-01-30 [TAMARA TUCKER Obituary (1968 - 2018) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbWl4bkxHdXRUU2djOXJJUTFJRHkxWmxuSXFEN0lramxGLVdOOFZwSjQ0d3BkLThqbWdyUjVOZE9xT1dLenZ3S0VHa3JwQVJkOTZYTjA3X2h4cUljbzhmRlNsMWV6V1VqZS03WVVySFU4ZHV3R0VvV2JPNVRhOURCTXpjZ3FhaGJiQUU4b1AwSQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11457 (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/1.json (key "11457", 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