# COUNTY BANK
BRUNSWICK, MO · FDIC certificate 12220 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $133.7M | |
| Deposits | $120.6M | |
| Loans and leases | $105.9M | |
| Total equity | $11.3M | |
| Loans / deposits | 86.73% (p74 of band) | 73.59% |
| Liquid assets / assets | 18.39% (p18 of band) | |
| Uninsured deposits / deposits | 10.26% (p15 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.12% (p54 of band) | |
| FHLB advances / assets | 1.12% | |
| Tier 1 leverage | 8.29% (p4 of band) | 11.76% |
| Unrealized securities loss / equity | -6.08% (p52 of band) | -6.57% |
| AOCI / equity | 0.93% (p97 of band) | |
| ROA (annualized) | 2.06% (p87 of band) | 1.17% |
| Net interest margin | 4.74% (p84 of band) | 3.93% |
| Efficiency ratio | 58.45% (p31 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 32.11% (p66 of band) | |
| Auto loans | $4.1M (3.88% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-26 [Berkshire County’s Mountain One offers storytime bookings and chances to meet Mo the goat - WRGB](https://news.google.com/rss/articles/CBMivwFBVV95cUxQYzhHV2JOOUFCaF95T0NDUmNhcjRqb25LcjJlUzZzT3ZkNzNleVJwSm1lQlU5Z29lc1BmUmdvTlZmbzFpUFdwQmUwYjZtWnFlZmNVVnNodjhKVXg5NWtKME10UkhKekd1MmhtRUVrd09TSDhOZGlTYjVEMzFCenp1NENYR1NOZ3JYTklCTUxISGEwLXNXVTFJczJ6ekg4TjE1TGVvUThIMEEyYWF0UlJocE1TYjRvdHp4X0NiSjZHcw?oc=5) · WRGB
- 2026-05-16 [Man arrested, charged in Jefferson County bank robbery - FOX 2](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQmxBNDRtengyMzJoWkJpUnN5c0NWN3dDMm5zb1BhZFZBV3Mxald5NHhkN0xzM2E1M05kNm1MUHhEM1BnTnQ2TFk3dFVTZ2FRM0hTaVQ5Tk15X2N1U2QtSkpnMHlVeElzNUYtM0RYeUQ4dkVfb0JMa1ZxRUlIWDNkTktxN0FFQ2l4c3I3N1lvdFh0Z9IBlwFBVV95cUxPdDlLcmpKQ3NmQzJfX1U3eU1kdGljUHpCQ2RDSVhONFY0VlBPQ2Z5bnd1YU4zS1g5RS03SDBEcng1SnQ4c3NWNmVqV3Q2ckpGa3RzTlMwOHNjd1A1Z29Mdy1ZNjhndmZOOEhzTG4yOWFxM1FzSllyaTEzSHF3UXhLTzBRUzRROTN5VFNBT3RjVzliY3dscmhr?oc=5) · FOX 2
- 2025-12-06 [Bank teller saves the day in cash withdrawal scheme: ‘You’re being scammed’ - KCTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxQaUpUYmlVZURYa0lWTkRIYUY1UGRnZmM2TlY2ekNjMmxEOFlEdVl4OGlUTTJsSzhhclNvSE1IVUN6cmhrWTV3QWZfX1M1ZWdfU25GbjdSSkhBSGNxLWFOOE9uUDBDbllkN2FaLUtEVXE0X3M1QjJZTEJ3MVlPWDhnZ0diTHkzaE5XOUZqTEROc3dUT3VkN0YxcmVJbFFNV0HSAbMBQVVfeXFMUFAzQm90eEdSTTFJNmlkQWdFel84SzVpTEozYThzZV81bThSMkJ1M0tYZFgyQ0tWX0pKUS1GMkJkRy1kdXJ1OU1qZHNQYnJZOFJWT0RzQW1yRnVFSU5wV0VXUHp6emNaZ1ZVY3FqeDlDRFV2ZVVsWFg5RmRqU3NqUVRrX1JlZXB2QllTSF9DaXd5VGw2LS01WTNvaGYwV2QxT001TWhpamVuTTViNEsyVFdqdTA?oc=5) · KCTV
- 2026-05-18 [St. Louis man charged with crashing SUV into Maries County bank sign, nearly striking juvenile - KJLU 88.9 FM](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQY1RQeTkzb21uLXRRc1R3NVVHemZvVEZ1QjdFSl9rOTBURlB5dHNjdGxiUlVkNkRvaEE4dWFpanV6TFFKVEJSZFVfU19QbTdLYnotc1F0M3d3OFpkSDIzQXpsV0J5dnk3MERQdUFpTUxzNTkzZHc3RVctT2xNTGluYllTS2IySm11eVFjNFdaNC1YM2ZnWmhIUTl4aFAzZmp3WjRiR2tvb0o3cTJ5dklMNWM5dTBUR3ZMVXd4S2ktd0liVzd4VDB3NW5XZUhKXzF6VlcyRElYSGhyOVEzZC0ydTZFYWNDMFRwMG9nc1dKX01IZF80WFNnVjU1V3ZyUmNsTFRZMkt4SzM?oc=5) · KJLU 88.9 FM
- 2026-05-20 [Maryville man charged in Daviess County bank fraud scam - KTTN](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcEQzWW5WcFBwLXozRzRQSWdHZWItWlg1U3ZhSy1sWTRZeUhaOFc1Mmc5cHdpTm9JSDhQaVVJSGNoZXROSmNVQ0JDVVBsMXVKYkJyaTRDMmVoXzFrdFAtVnljYTg0VXA2aWNTVnEydEh2MV95UVRtekkxeG8tMVUtWWJFMA?oc=5) · KTTN
- 2025-04-22 [Phelps County Bank opens new branch in southwest Springfield - Springfield Business Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMGF6OW83dXVKZ3JSV0U3MlpOT3Q0ZzJHcGVzUmJSd0I4akdHVDhpdl93YTYzUjd6SGJPV0VOakRHUkxXcEJwRllMVnB3VDcxWXpnczJVTzB6bDRobzVDNTJzWFRkMHZ1RFJKenpwQ183djNpQkRjc21td1VsWm5IYjg1WGNWZ0JpWnhiSmhXWEZ6bEVW?oc=5) · Springfield Business Journal
- 2023-05-02 [Phelps County Bank finalizes purchase of downtown YMCA, will allow facility use this summer - Springfield News-Leader](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQNkNDZXluVFU1ckxFanlvX3FnVFBmQlB1aTVwM3UzaFp4WTNhRXJmZjQxTGlXMWIteU10NXJBemQ3RHk0YWt1ZnFqVTZXZGhwVkoxUVBZTFE3MzB1S2lWaXJrN1F5Z0JNOTNUZnhZRURoaGNQVFJpbTJxLTUzZGRFSlJEOTZnQml2ckNEeVVSN3UzTFY5R3RJQjc1Q2E2b1E4d1JhN2pVRlpnVi12ZFNncVo0TXJYMGtIQWVieDcwZndJS0NONV84Z3JsRzAwQzgyeXBHY1BreUxaREtPOVE?oc=5) · Springfield News-Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12220 (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/60.json (key "12220", 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