# BANK OF THAYER
THAYER, MO · FDIC certificate 12474 · asset band <$300M · latest filing 2013-09 · 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 | $78.1M | |
| Deposits | $68.4M | |
| Loans and leases | $39.5M | |
| Total equity | $7.2M | |
| Loans / deposits | 56.56% (p28 of band) | 69.26% |
| Liquid assets / assets | 46.52% (p72 of band) | |
| Uninsured deposits / deposits | 6.56% (p23 of band) | 11.87% |
| Brokered deposits | 1.75% | |
| Wholesale funding | 4.44% (p65 of band) | |
| FHLB advances / assets | 1.28% | |
| Tier 1 leverage | 9.36% (p32 of band) | 10.33% |
| Unrealized securities loss / equity | -3.77% (p26 of band) | -0.53% |
| AOCI / equity | -11.11% (p14 of band) | |
| ROA (annualized) | 0.42% (p26 of band) | 0.77% |
| Net interest margin | 3.70% (p55 of band) | 3.62% |
| Efficiency ratio | 84.85% (p74 of band) | |
| Noncurrent loans | 0.12% (p18 of band) | 1.08% |
| Net charge-offs (annualized) | 0.12% (p67 of band) | |
| Reserve coverage of noncurrent | 1651.02% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 28.58% (p65 of band) | |
| Auto loans | $1.5M (3.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 29 | |

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |

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

- 2025-12-31 [50 Years Ago: Murder trials, bank robberies and a new factory - West Plains Daily Quill](https://news.google.com/rss/articles/CBMisAFBVV95cUxORnRWVVFsckhpbGFNd2s1emQ2anp6ZmkzSWx3YkdpQWY5aVBMVl9SYng4cGtGUEJKSXRYUHpWOUVrUENCWkcyTVZjbWdONEM3Ukk1OUtUVEZBcVJnWEptM0dzc0Vkd2Y0NDQ0MkFwcnY3ZEliVEZjSUpIWTJpNWdOU2ctYmFGNG80TG5HT09KOU9WVDQ0VTROUUhWbUhuUjJBWWdQbDdyalVzSGh4WGhTMQ?oc=5) · West Plains Daily Quill
- 2022-08-02 [Helen Ricketts Obituary (2022) - Thayer, MO - West Plains Daily Quill - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNSm9UcU9CRlVKLUFyaFpBYkFpdWhfdlBJX0g0a05iQ3dibk5qbFZ3TGdiLUk4Um1LakRFTUotcWYtNzQ0RDBDcHl0OG5DSE1iZXRKMWszNTc2N014VktDeVdZSkFfTVZCUldHYWdpSlN3UGFiTTBTaE1yR2pFeFNzdDNRcW9wUGsyZWtPOW9qWnJmQjBMM3YzRWI5ak9hYk0?oc=5) · legacy.com
- 2016-12-02 [Jury acquits man from Oregon County in murder case retrial - KY3](https://news.google.com/rss/articles/CBMifEFVX3lxTE5Sa1c4cnFOSlFMSnpjVFgyN2R1QmhFN05ka1hGZDdPZnRSejY3NEp3dHdwV2ZaVU96aGQ4b2FDQzg0SWhpQURXUE43dWtqcm9jRm05LXUxMk1WN19SUExyNE4yRVV5MV9vR3lDNWRfTWgzeFl1Vzk5Y0RxN3o?oc=5) · KY3
- 2015-07-06 [Eddie Honeycutt - West Plains Daily Quill](https://news.google.com/rss/articles/CBMidEFVX3lxTFBFVWpmUnJRRFZyTkl0Mk54eW9PdXhTZXJQLVdSVFFSX2hsNl94cDRJUUpkRW1SUUNqTEIzQ0Noc2VBMmJpMTd0RkZHSDYxZWppOTZCQmdwcE92RUtUZHN3TUEtekh1Wml0UlFCcUlrOWxnMkI2?oc=5) · West Plains Daily Quill
- 2014-03-04 [Harry H. Sorg III - West Plains Daily Quill](https://news.google.com/rss/articles/CBMidkFVX3lxTFBPNDcxSmpSajJ4bjBMcXlQTWJQRjJLbHQwVVRHMWp0UnY2dERTUWhubGNDazJ4ZlZxVEEzYzQ2R2dUU05fOFp5NnhjdVJUb2s2SDNZUFlBbzU4RkViSmVKM19POFFNODFvS21mU0NFaWlmNFN5a2c?oc=5) · West Plains Daily Quill

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12474 (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/58.json (key "12474", 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