# CBC BANK
SAINT PETERS, MO · FDIC certificate 1421 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $40.0M | |
| Deposits | $36.3M | |
| Loans and leases | $8.7M | |
| Total equity | $3.7M | |
| Loans / deposits | 23.58% (p4 of band) | 72.51% |
| Liquid assets / assets | 76.19% (p96 of band) | |
| Uninsured deposits / deposits | 7.39% (p12 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.05% (p7 of band) | 10.85% |
| Unrealized securities loss / equity | 12.01% (p95 of band) | 2.55% |
| AOCI / equity | 8.82% (p97 of band) | |
| ROA (annualized) | 0.10% (p8 of band) | 0.95% |
| Net interest margin | 1.99% (p4 of band) | 3.57% |
| Efficiency ratio | 101.82% (p95 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.49% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 65% | |
| Construction % of loans | 1.15% (p20 of band) | |
| Auto loans | $411,000 (4.75% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | NIM <2.5% | uninsured deposits leaving |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 1 |  | losing money, NIM <2.5% |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-09 | 3 | losing money | deposits shrinking, assets shrinking |
| 2014-12 | 3 |  |  |
| 2015-03 | 5 | capital falling, deposits shrinking, assets shrinking | losing money |
| 2015-06 | 4 | losing money | deposits shrinking, assets shrinking |
| 2015-09 | 2 |  | capital falling, losing money |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 | uninsured deposits leaving | capital falling |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 | capital falling | expense ratio p90 |
| 2017-06 | 2 | expense ratio p90 |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 2 | capital falling | uninsured deposits leaving |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | capital falling, expense ratio p90, NIM <2.5% |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |

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

- 2026-01-21 [PSB Bank set to acquire Bank Star, assets to top $1B - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMllNLWxjVmlMaEF5TEk5ZklhUXlUR2tjNFJnUG85cFB3MzFtd19pTTNiQmNNeWZIc09rM0hNTHZTOTlMRjl5M0pFRTdiRWxXQXlmUXZObG5YeWVHMmk4c0ltaHlUYkpySWlNLVpaaDdyYnZHQk9uOVlmek11eG1td3lGNG1KYlc0N1lMbEx5U1BZbTNTMzB2SmhnZnVraW1oM014NjBOS0s?oc=5) · The Business Journals
- 2025-07-14 [The Twin Bandits Who (Nearly) Outsmarted Australian Police - The Atavist Magazine](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbFhpcWxtbmxJckdJTnFIdTIzdzNIbHVZcTN5ME1EY1ladG1JYjNJQXBNaEduNVB4WjY1WHBaSURpaXIzS09XZXNuSjZ5eUxzTjdLMEFtZ1JEWTZOUTh5S0dEalEtdDNPd21yWmE1d094cU5ESEo5Uzh1WlVxRXhSdVJUVVdFN3dUYzVRZW4wdmdJUDNMal9rVUFleFZkY1lnX0M2aQ?oc=5) · The Atavist Magazine
- 2025-06-24 [Missouri bank merger: Peoples Savings Bank set to grow to $757 million in assets with new acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSTIydjFyYmx1bHpPY0xLa1NNMkVBWk4zb2ZaUkdJMHYyNFNFWFNSNTJBTDhYWE1ydG4xdEM4VUR5R3l1OGQ2R0QzNjZiV1hFWTd0TzdNZVV3RDBDR3NRM3pydEFmeXNISDF5Z1E2QTNqeENtSmZGYm5ra04tWnlmNDhKeDJNcUxKclM4WWloOC1WSGh2WlZlb0tXTUxpWU9NcjJuenhKbWVTRW8?oc=5) · The Business Journals
- 2026-09-08 [Central Bancompany (NASDAQ:CBC) Downgraded by Morgan Stanley to Equal Weight - MarketBeat](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQOW5EX2pxMl9Bd1ZNREJIQm4wd19EYzJranZDQl93eUxzTU8xVTBZa3ZtWXQ0OElMa3FpRlliSWtubnJiR1l1V3Y5SW1qQjExZnA5M055TDJMY05MdDVfTXE5cGhRLVFHWEZ3Q0I5UFFkWHpEVkp5ZlJMOWdGRmZjcVdnbGFJbmUzLU9mVWxTRkRoLTdMN0U1dm8zeFFpa29ieFdieEFEczd0M3FZYlpPUWhNSEtxTExYSFBqWkhKek1VazZEYW1PR0x3SnVJVDg3U2c?oc=5) · MarketBeat
- 2026-02-21 [PSB Bank taps 25-year banking veteran to lead St. Charles region - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaG1OYVFCY0gzZ1N1ei1HaFBPX0xRY1cwMWtib1E1WHVXLTBsczNvSERIem0ySjc4NkhhcGdXT1dhOU40VkhzM0dScGtMdjdlU3FEaDJfR3FYZkp6UlZyZnNDLXNSZmF4dFRKMERtWkNHLVZfYW9Xa0NxZzFjWWxQWHh4Y2ZtLXhFQk4zSmcta21FUTBJVE1wUDZvTFhhUmMtWEttZmh1R3gzaG8?oc=5) · The Business Journals
- 2009-02-24 [Mary Allison Obituary (2009) - Saint Louis, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQb0dSeWpHNWRpbGFuaV9vbFh0UGZDSENTN3RCOENJUExsOTBqelZpejc5Vkxjb2xGNENtOW9sZjhXRF9iWmg2LWVLYzlRcHlFUDVFbEpPQU9DeDJCUnRYQzRTQkVHZjl4THNuT1c3RGdfUDhqUHhIcnY5RVhhUGFFQVF6di1ZYnc2R3FPaw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1421 (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/13.json (key "1421", 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