# PLEASANT HILL BANK
PLEASANT HILL, MO · FDIC certificate 13915 · asset band <$300M · latest filing 2016-12 · 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 | $80.6M | |
| Deposits | $72.1M | |
| Loans and leases | $41.6M | |
| Total equity | $8.4M | |
| Loans / deposits | 56.98% (p24 of band) | 74.46% |
| Liquid assets / assets | 45.83% (p75 of band) | |
| Uninsured deposits / deposits | 12.69% (p41 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p51 of band) | 10.76% |
| Unrealized securities loss / equity | -0.35% (p62 of band) | -0.86% |
| AOCI / equity | 0.01% (p92 of band) | |
| ROA (annualized) | 0.30% (p14 of band) | 0.85% |
| Net interest margin | 3.05% (p19 of band) | 3.68% |
| Efficiency ratio | 84.69% (p79 of band) | |
| Noncurrent loans | 0.30% (p36 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 371.77% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 43.15% (p76 of band) | |
| Auto loans | $899,000 (2.16% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 15 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | capital falling | uninsured deposits leaving |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | reserve under noncurrent |

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

- 2023-04-06 [Woman, 78, charged with robbing bank in Pleasant Hill, Missouri - kmbc.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQTl9ObHdhcjQ3T1E3STRtWElrMDVYMFh6SGE2NnNCZUxzTVRhcEJERHhkdnBNdXRmUV9tQTlGSkM5aWxxMTJSYWp4R3RYSkU2Zm1GTHRXRkFqRnZPT3hrZWhPY2FlcVpuZDhydzkxUGRFRWRKc2hzQlJIeDdQb0FTQ193Nkd1NkhlV1FHdURrNEVoeW12?oc=5) · kmbc.com
- 2023-04-06 [78-year-old woman accused of bank robbery in Missouri… Again - FOX4KC.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9lU2RiSWZSNzh4Z1VnSzBlMVBLNEF1eUJmc1FDRnFMU3RsaWhSekNUNDR6ZXJEOVBKTVlFSUhlX3ZBYjNsRWo2VUNLbm9RQjNRam1TZl9TZEVPekNqdjF1ekZLeXJYalhyU1ZMWUZybDVqemRVeWJ6YldWWWzSAYIBQVVfeXFMT2tqczBHb2pMbHc4eW1XcUZ4bTl5TUtmUWZ5elVaVVJ0NzhGZDJjWjZjV1VMQm0yX3BXYlBncnJhdmI4YkdWNm5pUnk3bXpuSzl4OU05dDJQZGIwUWxkWWxyVlNSS3IzOEV0TjROS0c1YjZQanRfOWdtcHVoa3paTlB1dw?oc=5) · FOX4KC.com
- 2023-04-09 [78-year-old woman charged in 2nd Kansas City-area bank robbery - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMimgFBVV95cUxPeldwdU9vWmhicDAtak9jVXBtZjdSVzlhWms5MUtfZTNvamhSUjRqNzBYTzE3VFJWb3ZsX0FmMjQ1YkJRQUxqRHZuSS1yNUwtajJoMWhndWVZdDVWSmJhdzE0Z3F3VGpYT19rUWhGeDRqODlPanhGdXRjaVE4T1hLSXZPajJWWmNRUUtjRjdrNlRFQWVjbUNoanpn?oc=5) · KSHB 41 Kansas City
- 2023-04-08 [A 78-year-old woman is accused of robbing a Missouri bank. But it wasn’t her first time - kansascity.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE9ib1Q2SWR6X0NSM3ozU0lkMEZ2Z1o4SVNEcjcwSUZwZFFaekRCVl9FM2E2VzNrVFFZSWs3a1cwTVZBRXpIOXJ4c0xwMXJzcEEzZUtZRU9RaTMwVEF2dXlBc2ZSWWJydTJHUDgtc3o1TmFicW_SAXNBVV95cUxObE0tSUNhS3hSM1FmYlNvam12Z1BIcVppR1FiMnBsSEpudF9WNzhyTVkxQktKQnNqdHRzaTNqSGprMlBNUWhQRktVMEswcEhIbTRaUjlrcFQ3a3FzQnpZdzJfTzd3LWtUazAxT0hzMDdWcjdr?oc=5) · kansascity.com
- 2023-08-02 [Police confirm 78-year-old woman accused of robbing Missouri bank has died - kmbc.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZklJR0MzczBBMGRnWG84blRsOVJXWXcwVnlvOWs1MjExUWhINS00QTZHeXRTX19qb0hkRmg5Y3F0SzZjOGFfQlJvQ0tzcjJNX0tXd2V5LV9GdktxbDJrQTlJZ3Y1QzNaX2JXeVJRME1kbU5OZ05ZLXJTcmpNbFU5bUdhUlJuN3dpWUQzRHBQb0s4bjlidVRhUV82UnNvcVhLTUw4?oc=5) · kmbc.com
- 2023-04-10 [78-Year-Old Woman with Two Prior Bank Robbery Convictions, Arrested After Missouri Bank Heist - People.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNLVIwQ1h2NmpsR01iRXpkaUZlcF9DLUdOMWlvUXFmNFJaR3RneWc4Z0RrbXhka3daRnFJelExeFVmbXdJVmxsYXVaeFZ2WGNOQ1RnMUp4ZE5WZ1NEM1IyU1VPRE9rUVN2U1VpNU5reUpNdzBqLVlaM2xQeUl6NFEzcU9uX2xUUFpZdFN3ak1YUVZCc0JodWVhbUxyQW4?oc=5) · People.com
- 2023-04-06 [78-year-old woman suspected in Pleasant Hill bank robbery – FOX 4 Kansas City WDAF-TV | News, Weather, Sports - FOX4KC.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNM0tTYUhwLVFJWDFic0tqUW1XR21sQ0o4NVhhZWJkNlBmc2ppM3BOZEU1QVNWR1cteHlnb2lYN0lyaEN0QzBjaFJwRUltUEd3RnZLUmthaWpiX19mU21vU3pMb3g5Vjdna3M2MWZnOVUxZE1TX202MmJucG93NTZjRkV5QWtWNVFFUHR4MVpuNVlnNlBzMlE?oc=5) · FOX4KC.com
- 2023-08-02 [78-year-old woman accused of robbing a Missouri bank has died, court records show - kansascity.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFA2MWZMQjcxRURuVkFGNWNEcVJDTEY4Zng5eHNLM2hGMzVKNGYxdDB4cVNTYXp2N1JfZ012dE9qOEZmYlVwR3JETEk0WFdxMVVYNU1RbkNjNFdVS256dGd1aDZrdFQ5VkpucXlDTDJMRmJqeXfSAXNBVV95cUxNemdzdFp6V3lqRWpSZ1pfc3k1NHhLUUVxMklmeUsxd2Z1ZVVyeVdxcFloS2tJS3BjZWV4a3NUME9ScmZybTFwWG1SX0p2YnJwRXVsWG5RUVVWSzFTX0pCZThRRmxpaTZ0bE1LZVNQNWp4d19V?oc=5) · kansascity.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13915 (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/27.json (key "13915", 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