# BELGRADE STATE BANK
BELGRADE, MO · FDIC certificate 12208 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $548.0M | |
| Deposits | $495.3M | |
| Loans and leases | $412.2M | |
| Total equity | $49.1M | |
| Loans / deposits | 82.33% (p51 of band) | 82.04% |
| Liquid assets / assets | 21.17% (p35 of band) | |
| Uninsured deposits / deposits | 21.55% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.13% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -12.97% (p36 of band) | -8.10% |
| AOCI / equity | -1.27% (p17 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 4.30% (p73 of band) | 3.91% |
| Efficiency ratio | 55.14% (p31 of band) | |
| Noncurrent loans | 0.35% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 301.37% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 109.12% (p89 of band) | |
| Auto loans | $18.1M (4.39% of loans; DQ 0.88%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, charge-offs p90 |  |
| 2013-06 | 0 |  | capital falling, charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 1 |  | charge-offs p90 |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | charge-offs p90, construction >100% equity |  |
| 2022-12 | 3 |  | construction >100% equity |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 2 | securities losses >30% of equity, charge-offs p90 |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | construction >100% equity |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2025-12 | 2 | charge-offs p90, construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2026-03 | 1 |  | construction >100% equity |
| 2026-06 | 1 | construction >100% equity | charge-offs p90 |

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

- 2026-03-24 [Farmington Regional Chamber hosts fraud prevention talk at March business luncheon - Park Hills Daily Journal](https://news.google.com/rss/articles/CBMiywFBVV95cUxPRHN2bUZibTlDVkw2OFUzY19hcnowM1c2ZnZwX1BVVWlEVnlrUXJ6VFl5T1VIQkQ4Zl90NUdLX2k4MEFOUk5IT2dDZmhUY1BzcFR2TFlwd01jY2dJQUdXYTFVYmhBbFo0TUNBbEVPRUJvcFhHN1Q2MzJjcnpXRTZ6RUFiSUNJVTcyU1BhbkxsQVNFQnVwY2NFWkxhVmtBN3FSY05XNGlfeE51elE0LWthS3J5dTJCVndnM0xnMlFGTWsxYnNRLV93WGc3SQ?oc=5) · Park Hills Daily Journal
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2021-09-14 [4 accused of stealing cash from Mo. ATM believed to be group members in nationwide thefts - KFVS12](https://news.google.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?oc=5) · KFVS12
- 2026-05-18 [Get St. Francois County PRCA Rodeo Tickets Now - My Mo Info](https://news.google.com/rss/articles/CBMie0FVX3lxTE84RXN4c2x0NklwcmlISjZIZGpEa0dmUGdHa1lZbVZpbVdxSWNXc2gzb2Y5OS1kRm8yUGljSHFNdkpRTUExdkpFeHBYdWpWQzZkbGJGU1dQMUhJOF9uNzJmR1pDdXVjek5UUTFRaF82VlZ6WmZSMkYzU1BXOA?oc=5) · My Mo Info
- 2015-09-13 [Harold Turner Obituary (2015) - Park Hills, MO - Daily Journal Online - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPMDQtb0owMlR2UWJsS1lqMkVSWk9mX1NlMFJmVkw3MWZ0TV9RcEtab0ZvTDNYMWIwMGdxUllTaGdYSDFacTBtM18wNldlcm5KN1RKNDhOWWdod1EtZFoteVJRdzItS1hIckhUWGJlajJsbk5wNkpkczJ2Ynk4U25oWWhHZDJzWlRnazRSRVh0SWdQVHY0N0h3ZmhNYw?oc=5) · legacy.com
- 2017-11-20 [Terre Du Lac officer killed in crash - KSDK](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbnRBdDlUYVpadjJOalA5VV9fbjdvN3kwV1ZEOWZNbXZQMFdkS2hkNTBNM3pjRWNsdjVBZExwTXM5SURkeUE5WUQ4UlBzcm5YVVVCTTVuTko4eGYxUEx1YU11VW43Y1RTZ0xBdHdkVXpmTGJsVHc5Q3VaaFdiSWEtU3FzSGRHVENHYk9KSV9KdWlhUTg?oc=5) · KSDK
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2026-02-12 [Pamela Susan Vineyard Obituary (2026) - Potosi, MO - DeClue Family Funeral Home - Potosi - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVi13bGg2d3BkdmJ2QUlLclJzbWhhSTRvYlhUY21CTTdKTjZVZEJYR0hwd3lYZmtqTTBneGdjWVNFd3FkR2dncGY0bFg4YXR5a3ZKdGpYOVpSZEFpeC0xajcxQ0JyS3ZGQXhWVEtGRWx6RFV5T0FNbVZoSTRUQmhEV3dSNzE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12208 (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/48.json (key "12208", 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