# BANK OF ST ELIZABETH
SAINT ELIZABETH, MO · FDIC certificate 12236 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $225.7M | |
| Deposits | $182.7M | |
| Loans and leases | $165.7M | |
| Total equity | $35.2M | |
| Loans / deposits | 90.66% (p87 of band) | 63.45% |
| Liquid assets / assets | 18.50% (p13 of band) | |
| Uninsured deposits / deposits | 20.97% (p52 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p69 of band) | |
| FHLB advances / assets | 3.32% | |
| Tier 1 leverage | 10.14% (p41 of band) | 10.74% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -26.93% |
| AOCI / equity | 0.00% (p93 of band) | |
| ROA (annualized) | 1.98% (p94 of band) | 0.89% |
| Net interest margin | 3.99% (p86 of band) | 3.22% |
| Efficiency ratio | 50.19% (p8 of band) | |
| Noncurrent loans | 0.01% (p27 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p63 of band) | |
| Reserve coverage of noncurrent | 586.67% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 41.67% (p67 of band) | |
| Auto loans | $13.2M (7.94% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 34 | |

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | loans exceed deposits |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-03 | 3 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 | reserve under noncurrent | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | capital falling | reserve under noncurrent |
| 2022-09 | 0 |  | capital falling |

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

- 2020-03-05 [Blaine Luetkemeyer crusades for community banks - Congressman French Hill (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTFBmTkY1Tnh3eWNLVWJ5XzA0LWtFRUk0VjJ5TF95dmR5QjhGSFQ3cmhTU1YzckZIQmZnOERDLU5vSFF5blY2M3FzcElYSzNrcmcxeTduV0R0YjRsOE5QNzV1aXoteWN1N28zWjlqMURSZUM?oc=5) · Congressman French Hill (.gov)
- 2021-10-26 [Mid America Bank to acquire Bank of St. Elizabeth - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxQd1hyQjdqbmdTNHNmX3cwRm9ZY0lHaldlNkVZV0p6ZEh4V3haOUNqS3FmWUstWVhVNFU2UTRXaG1kbDAxOGtBMHR0VXZvbjcyZXcwS3VvTjhMY2xVSXg0TUlmTWNPSklDYVpUUUdxdGZXQkxGbmVGY0MxX0pIckxxSUdhUlZGOGJVMEZSclRFLUR6b0lNVndrb2xn?oc=5) · Jefferson City News Tribune
- 2025-08-02 [Obituary information for Leonard Joseph Doerhoff - Millard Family Chapels](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSnlVTGRYV1FKVEhqRTN0bWlVS3Q3dlZZWkZPNXc3dnBEbUZ6eHVkQ3FYSUE2eFFmWng1S1VPTDlRTUQ5TG5XMmlkOTJra2I5ZlRZR3dEdWxUSWwtbmRON0NONktFeGFBdC14QnBpcGxsUENZWERFMUZXLUpPakdBNDMtNnMxeHI4VzdVN2NB?oc=5) · Millard Family Chapels
- 2024-09-30 ['It's time for me to step back': Blaine Luetkemeyer looks to retirement - Columbia Missourian](https://news.google.com/rss/articles/CBMimgJBVV95cUxNRE8zT0hZUEZCWkFRMmRYb0I2MjdqVk5PWGZ3eHdwUnc5YzRtZnZrSDdEVHRmWnpfTEpqRGU4MTVIR1h4elFSajZmaDBTaTBZYzZ0dUFOQjllMWhvYU9lRU9xcDJQZWlaRXhEMFZHQl91U3A5VklZZnVmQ2RKWlctMFlWNXc5NFdTcjdzTUUxakNUbGpUeDFtdDM0Ry1jTU1jTlhSY09XejQzdEpONFh0THZNdjdKbTVSQlpCTjVfRlkwNERObHNQdm8ydlZrcmV4OUYyMjJyZV9FbkMtVkxKTHBnZkxnUXEtOWNXMVhzUTdXQXIzcEI5ejN6YW8yZVA1WkgyREdKdHFOcnJJV3JzYUtSTVNTVUQzd3c?oc=5) · Columbia Missourian
- 2023-12-12 [Luetkemeyer, Hill favorites for top Financial Services Republican - Roll Call](https://news.google.com/rss/articles/CBMingFBVV95cUxNZmZqaE5UaUpZUmVlYXduVkhCMm9fY3hDZUotYVk3T3M5b25qNm5STVdoeUxpVWxiQmZSZ1VGdE1WVm94ZTNxQmZLSXlUQUNlT2xGYmI5UlBGZ3g0aWFmM2tYaTBYMUxFblc3YTQyV0FQcnNudldFYWF6WFFkbVZwd1ZCRm1ET2NPT1ZSc2JKZnFpTWtKa1Y1aEVza01PQQ?oc=5) · Roll Call
- 2019-07-29 [CECL: A solution in search of a problem - American Banker](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNk0tZW5fdU9BNUdkLU1XWF82SHUtZU16T29sT1V4X2pSUUJTX3VXRGdTMm1lR3pIOXI2a1BBR3BVV0xCUnhISW51VFRLbUlhUE1qanVJUkpFcnBSN0JoT3RBdFVSMkVpSG9ZUHVKd01OWVk4eEJ0eGRWa3NxbkxDYTA5WQ?oc=5) · American Banker
- 2021-11-11 [Head of Missouri Bankers Association to retire after 30 years at helm - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYU9ndUlnTld2TkU0Z3k5bzMzMlg1ZTdyTy0wV0doN0oxT29iaXVsUTVuVHJQR1N6a2x2TnBmX2t3VkJnY3BvRGZ5VEd1OEQxNURMVGM5WTRwU3RNd0dyR1liMnVwa0xNWGktcFE0VzVpdkEtc1duc2VHSFZLVzVvRFdSb0poVFVzVTdwR054QlRpOUgwSmlwR0JNdzNuc1ptYlg3S2Zn?oc=5) · The Business Journals
- 2025-10-10 [Citizens innovates around its legacy core - FinAi News](https://news.google.com/rss/articles/CBMihwFBVV95cUxNb3cyNVlwd0d2NFhxWnlBaU1nMmJDS0RpUHJhbVUyTUk3dzNBSk8tSHBvU2pRRHZNMjNIV2VfcmRJc2Q0U0JxT0F4NFZERE1sSVRVdzFDLU4xMkl1ZmtOX2F5MG9OOU9CSC1SVlZobUlRN1F3ZWhxY21ScXN0Szh0VDBuOWxkMlE?oc=5) · FinAi News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12236 (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/12.json (key "12236", 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