# CALLAWAY BANK
FULTON, MO · FDIC certificate 12223 · asset band $300M-1B · 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 | $511.5M | |
| Deposits | $429.6M | |
| Loans and leases | $381.8M | |
| Total equity | $50.0M | |
| Loans / deposits | 87.84% (p66 of band) | 82.04% |
| Liquid assets / assets | 21.43% (p37 of band) | |
| Uninsured deposits / deposits | 23.62% (p42 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.71% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.12% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -6.00% (p58 of band) | -8.10% |
| AOCI / equity | -0.82% (p29 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 4.45% (p80 of band) | 3.91% |
| Efficiency ratio | 60.95% (p49 of band) | |
| Noncurrent loans | 0.78% (p66 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 149.86% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 80.37% (p78 of band) | |
| Auto loans | $2.2M (0.58% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $2.8M (6% of equity) (p94 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 107 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | expense ratio p90 | capital falling |
| 2016-06 | 0 |  | expense ratio p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | wholesale funding >15% |  |
| 2018-12 | 1 | loans exceed deposits | wholesale funding >15% |
| 2019-03 | 1 | expense ratio p90 | loans exceed deposits |
| 2019-06 | 0 |  | expense ratio p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 0 |  | capital falling, construction >100% equity |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 2 | deposits shrinking |  |
| 2023-03 | 4 | capital falling, expense ratio p90 |  |
| 2023-06 | 0 |  | construction >100% equity, deposits shrinking, capital falling, expense ratio p90 |
| 2023-09 | 1 | construction >100% equity |  |
| 2023-12 | 0 |  | construction >100% equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | uninsured deposits leaving |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-01 [Callaway Bank lands $186,000 in charitible giving for local nonprofits - fultonsun.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcUxJZkZrZXp4THprVUJFMDMtdXByb29BV01HcVg5TWtOdDFRWHpwUmdXNHByczQ4cFo4MVhTbklYYnJPbXV6c2xSVnF0dmlCcC1KRFREV01WLXM2eW5CN202LXFDQnJkN1pKWXI1MTRqT2FtbFZhSDU1TUJZaWRSVlZsVHpEUnNpX1BYVWV0N1EyQ2l2RUE?oc=5) · fultonsun.com
- 2026-07-29 [The Callaway Bank awards $186,000 to five nonprofit organizations in Fulton - KRCG](https://news.google.com/rss/articles/CBMipgFBVV95cUxOR0hCN21Nd1ZkYktqeEZPaEcwMTM2TXByREszb1FGMHNybnpndVVQd25QTFg5QWZhTE5vaGRNSTFDdEk4Mk9IWkNQV0RITGpSMVNVcDFGckNDcWpsY2ZGRWJaMklkLVliZnJqODd5enFwNWdwRWdtNDE5cmpiajhKQzVQVFBORUVkS1dPYmF4anNlV210eW5BX0hXNWZXWHEzWGZOM0lB?oc=5) · KRCG
- 2008-03-07 [Callaway Bank’s legacy in limbo - COMO Magazine](https://news.google.com/rss/articles/CBMib0FVX3lxTE5acEUtZXZLa3daWlhKTEp5aW8tckNYZm5oS0dQYV9mRTdiUjVhSEpLRi1Lc09PRDZ5andDV0pDUDgzRXVGVnZWcjdaTVVmTkZ2RnBiUEs5WTJZMWVNZmFPQTZ5dzU5N3JXUU1ydE83RQ?oc=5) · COMO Magazine
- 2019-06-26 [Throwback Screencap Recap: Callaway Bank Cat Classic 2006 - College Gym News](https://news.google.com/rss/articles/CBMimwFBVV95cUxOOWtfTW12azd3c3V6bmhLcGw4dVlMYU00QXgzd1hQOGxueHJORlZsNzdPSTZzTUJMRGdSTG01WmI0b3VYeklXNXNTSWZLWDNWZmdQM0d1cUlXVG4wU1lISnlWVWRLZUdKUHgtY2F0WkQ4R2VNWVZJODNnMjIwSExybTdsT0lhZEU3Z2RaZ0J4WHhCMlFMa2NmcnFUYw?oc=5) · College Gym News
- 2026-08-18 [(LISTEN): Callaway County YMCA and Fulton's Serve among non-profits awarded donations from Callaway Bank - 93.9 The Eagle](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQQksyWEtoZWVlY1BmMmpYcXFtY2dOSWtqMlA3cnB1R19zeUpkVGZtQTFGNC1OeGFUak1ZVVlQSElrX2VhQWkyeGk5SU5oeTNqaVNiTTcwZlN3QlRIaHRvUElVZW1oN1VUTF9BN3hqWFo2SE1tYU1STU1FVjFySWVYdGFzNVN1UjVFWTg1NzB3NldXUnItODBxdFVQQjV3ejVRTjF1c0pGYVlhcnNXRlhUV0RrV09sTFhQLWJsSF9KckRpbkU?oc=5) · 93.9 The Eagle
- 2012-12-17 [Callaway Bank CEO dies after cancer fight - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxPYUNxeTlCSFE1dDFUOUljblZlZm1YeURHamtRVGRQRnpVUEU0SEJRQXhFNVZ6N2tfeXdwbXlNcDhOejdMMklKYlJfMmxvcllCQ2ZNZWtjbHNBQlhEZFJETlVyZlhGVms2NXljOHFJc2NzcC12NUY4N05CT0dXazV3aGk1V21ZWUdJRUdUTnhnX1hUMElUNDhVSmdwUEo5dzV0Z2lR?oc=5) · Columbia Daily Tribune
- 2012-06-04 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE1OX29hbmczSjR5SUlyZWJtRW1raWd5VHNYU0todHhfdHZJUTZnZjFFTnFRTTlieG0wbW5oQ2MxRHRPREhqYVN1ZzB2a2VpR3ItOFNrckxtV053YXFRRl9UZV9WaVhjM1hVVENIYm1yNko3UQ?oc=5) · Department of Justice (.gov)
- 2023-12-22 [The Callaway Bank announces Jason Ramsey as new vice president - fultonsun.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQZjgzRDBxVHBmQmxlQXVzWkpJWHZtcV9tY1VQTXM1bWhlY0ZzZDlqV1hqYVFTYm4zc19ZVmw0Z3VYNkVMaVJYamQ3QUtxT1hCSnVvMjlGUDhPRHVLdngtM2hqYmxrOTdVQ3BDaTdKV2V4Z0c0RlFfNkJ1NDJxMmUtRkt1ZnVETDFWVTRPeXg0ejJRM2NuVEE?oc=5) · fultonsun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12223 (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/63.json (key "12223", 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