# MISSOURI BANK
WARRENTON, MO · FDIC certificate 14036 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $461.5M | |
| Deposits | $403.2M | |
| Loans and leases | $314.1M | |
| Total equity | $57.5M | |
| Loans / deposits | 76.94% (p39 of band) | 82.04% |
| Liquid assets / assets | 27.43% (p57 of band) | |
| Uninsured deposits / deposits | 24.45% (p44 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.57% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -6.05% (p58 of band) | -8.10% |
| AOCI / equity | -0.34% (p51 of band) | |
| ROA (annualized) | 2.14% (p89 of band) | 1.28% |
| Net interest margin | 3.93% (p52 of band) | 3.91% |
| Efficiency ratio | 46.30% (p12 of band) | |
| Noncurrent loans | 0.13% (p25 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p48 of band) | |
| Reserve coverage of noncurrent | 985.82% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 70.70% (p72 of band) | |
| Auto loans | $667,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.5M (3% of equity) (p92 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 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 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | construction >100% equity, capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 1 |  | assets shrinking |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | uninsured deposits leaving | capital falling |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity, construction >100% equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2026-05-04 [Bank drive-thru collapses on multiple vehicles in Jackson County, one person taken to hospital - kmbc.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRWFEdmdqNEhudGhidmZsYkZVWmxaMkt5cmxYLS12UHo3YWxXWl9oLXdMb0RDcG5YZkk3cHhCZjVWTDdQbUpuOXhwMU5ZaGZhN0lkTXdYZ1ZzMzYxSlhHUjdZdnUza3BiM0lLRTNzODh1dHJLSVhSRTJlT0lLZzhEZXJFZWptMWdsS19mMFoyYw?oc=5) · kmbc.com
- 2026-03-09 [COA: Missouri bank accounts can be used to satisfy California judgment - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSDAwVmR0RC1ZdHZwQ0dnYTh4UzVBTDR3RHpadGlzYXFoODVJeTZKdUozZmpDX2dwUHp0WV9EQnJmR2RnRlpNYXhvY2tMeWlLX0c4Ml9SN2w2ZTFtaEk4X0NPRlZweWhFeHYyOXZpYlpEYlVTb1RFTWxlUWNDRXR1Z0NEU2VkTVJMM2dNcHdEX1I?oc=5) · Missouri Lawyers Media
- 2026-05-12 [Missouri bank faces call for boycott over data-center controversy - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOE9pYngwdGphb1Vmcy1JZjN0UkF1cG13cTQxMldkcHBMU19keDlDVWhESTdNQXZPS0NWejVVT3IwYUdBd0wwdWo5N1ltOEVGNVJzTDhVc2pudlBiVzlQWGFaMGtoRHJlVlF1LW5KakZTeDg1OVg1YTlOZTZ2OU42SndtV1pTZnJfUVZYWW5valY0bm5DYWt3N2ZHSF8yam0yUEZr?oc=5) · American Banker
- 2026-01-19 [Missouri bank CEO eyes data center on farm land in Franklin County - stltoday.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNQlVWZE5TdzVrNnRNVVlLUlhQVTVuWEZzeWxQRk5SNGZyODZSZjQzMUhDd2lnRDRNZ2dIUjc0Vl9EbEdDSy1QZ2JxWkdQSzBCYzJ3blo0ZEhDaUN5LTh6ZVRfLURPSTlQT2dSbmxJWmp6YzlqZ0FOTDVBWjNsSVJHN3lld1ZCQVFRVVcxLUdCdzJkRWhSMlk5TUgtekpYd2h0UFphUFlhRUM?oc=5) · stltoday.com
- 2022-01-15 [Missouri bank breaks ground on second NWA location - Talk Business & Politics](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTjd3WTVwRmRJUHNiV3hPNExuUFM3WkNnNjFJUGpCdFlNUTlZeDl5SzM3bndkUl9manhpX2xMSHpNR3pSWElJcEFUeVRhZVh5cWJWTEtuSk1USHRFdWdKd01CRlN3MnM2SkYwQ2MzaTdtd205Q1pLUDRBY1JyRTAwZlVZeDIyeDdSTU94OQ?oc=5) · Talk Business & Politics
- 2026-01-14 [Michael L. Miller, Mid-Missouri Bank - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeHVKWUhVWU5YMncxWnByd2RCX1BZUGtqbzhHcEVmcW5hNDhQSk5QWk5NSFk2TmtzV1l2UjgxMEtPRTRCUHh0cUp3WEg0bVZTUDZfZEtBcTI2ckQtcU1aRXN2QlkwVXBJWU43V3g2UlRsc1V2TlZ6UUx2TUJoNGtoRVZSZ29McnVzSVNlZFVROWFFcUU?oc=5) · Missouri Lawyers Media
- 2024-03-08 [Mid-Missouri Bank in Mount Vernon gets new leadership - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYnVRZlBVS0xyUmdKd3ZDcHpxM0tYOUQ5d2NfQUFvMnpqc3ZkQ09UbG9SeW5LZ2E5ODkxZnFSTHllWWotYmhkQk9mNGpQRXlwWG1RUThLYVlCVDZRYXRZeEl0b1dJT1lkWVlPOEV4eW5xT3dHVkJNOC1oWGllX29Scm5FdXpfTC1fY3dz?oc=5) · Springfield Business Journal
- 2024-04-10 [Mid-Missouri Bank and Insurance opens new facility in Webb City - koamnewsnow.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOckhMaFEtQU1IMWdaZUNQeVZIWS1OaG9pcXA2TlIxZ0xDTDhSTV9HUHJZUkVVVUsxVWZQQU5VTDNWY28zZnpvajJwRnJrdzVIekZ1MG1hVzZqaFJ0dGZwSTZXTHJsaV84LXVfdGs5d205TEZvZ01qVFBpRm9aZHBfOXdKOFhpeEZoeHg3MDZYVWt6LWdpSnN1Z0FxOGFmZVU3aVFfUTlmOWhrN1I5ODBOclkxaTZ6UFJRbXotQmY4T1piRm42Nk5Zd3pkLUFTY0ZtcXJzYWg1X21pZjRZOEIydG9MNDQtYW8?oc=5) · koamnewsnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14036 (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/20.json (key "14036", 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