# NEW ERA BANK FREDERICKTOWN, MO · FDIC certificate 14546 · asset band $300M-1B · latest filing 2026-06 · live **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 | $453.1M | | | Deposits | $387.7M | | | Loans and leases | $254.3M | | | Total equity | $63.7M | | | Loans / deposits | 64.67% (p18 of band) | 82.04% | | Liquid assets / assets | 40.10% (p83 of band) | | | Uninsured deposits / deposits | 17.07% (p19 of band) | 25.97% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p11 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 13.98% (p85 of band) | 10.81% | | Unrealized securities loss / equity | -1.41% (p83 of band) | -8.10% | | AOCI / equity | -1.34% (p15 of band) | | | ROA (annualized) | 2.46% (p94 of band) | 1.28% | | Net interest margin | 4.15% (p64 of band) | 3.91% | | Efficiency ratio | 44.97% (p10 of band) | | | Noncurrent loans | 0.02% (p14 of band) | 0.43% | | Net charge-offs (annualized) | 0.14% (p88 of band) | | | Reserve coverage of noncurrent | 5839.34% | | | Real estate % of loans | 89% | | | Construction % of loans | 80.99% (p78 of band) | | | Auto loans | $3.3M (1.31% of loans; DQ 2.55%, NCO 0.01%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 3.9% | | | Employees | 66 | | ## 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 | 0 | | reserve under noncurrent | | 2012-03 | 2 | capital falling, reserve under noncurrent | | | 2012-06 | 0 | | capital falling, reserve under noncurrent | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 2 | deposits shrinking, assets shrinking | | | 2013-06 | 0 | | deposits shrinking, assets shrinking | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 1 | capital falling | | | 2014-06 | 1 | reserve under noncurrent | capital falling | | 2014-09 | 1 | | | | 2014-12 | 1 | capital falling | reserve under noncurrent | | 2015-03 | 1 | | | | 2015-06 | 1 | | | | 2015-09 | 0 | | capital falling | | 2015-12 | 0 | | | | 2016-03 | 1 | capital falling | | | 2016-06 | 0 | | capital falling | | 2016-09 | 0 | | | | 2016-12 | 1 | construction >100% equity | | | 2017-03 | 1 | | | | 2017-06 | 0 | | construction >100% equity | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 1 | construction >100% equity | | | 2018-12 | 1 | | | | 2019-03 | 2 | capital falling | | | 2019-06 | 1 | | capital falling | | 2019-09 | 1 | | | | 2019-12 | 1 | | | | 2020-03 | 1 | | | | 2020-06 | 0 | | construction >100% equity | | 2020-09 | 1 | capital falling | | | 2020-12 | 0 | | capital falling | | 2021-03 | 1 | NIM <2.5% | | | 2021-06 | 2 | uninsured deposits leaving | | | 2021-09 | 2 | | | | 2021-12 | 2 | | | | 2022-03 | 1 | | uninsured deposits leaving | | 2022-06 | 1 | | | | 2022-09 | 1 | construction >100% equity | NIM <2.5% | | 2022-12 | 1 | | | | 2023-03 | 1 | | | | 2023-06 | 2 | deposits shrinking | | | 2023-09 | 1 | | deposits shrinking | | 2023-12 | 3 | deposits shrinking, uninsured deposits leaving | | | 2024-03 | 1 | | deposits shrinking, uninsured deposits leaving | | 2024-06 | 1 | | | | 2024-09 | 1 | | | | 2024-12 | 1 | | | | 2025-03 | 2 | noncurrent p90, reserve under noncurrent | construction >100% equity | | 2025-06 | 2 | | | | 2025-09 | 0 | | noncurrent p90, reserve under noncurrent | | 2025-12 | 0 | | | | 2026-03 | 1 | charge-offs p90 | | | 2026-06 | 0 | | charge-offs p90 | ## In the news (Google News, unfiltered, newest first; check the city) - 2023-04-26 [William Arthur Banks Jr. Obituary Apr 26, 2023 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5EZDRBNkdjcnVCRHlRWW85UV94azd6T1IwbzVfQTZqYkdoSzMyaDBITW9CVGt3d1gzcGRiRmd4V3NwUnAxdzFhZEp1bnNReVczcE5yaW8yMlN0TnBWZG1rRw?oc=5) · C.Z. Boyer & Son Funeral Homes - 2025-12-13 [Wanted suspect on the run in Fredericktown now in custody, police say - KFVS12](https://news.google.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?oc=5) · KFVS12 - 2026-06-19 [Betty Lamargaret Faulkner Obituary (2026) - Fredericktown, MO - Follis & Sons Chapel - Fredericktown - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOd2l3akFISnl0cnIwdGw3MHo2Nmh3dlZvWUVXMENwUEd5Zm8zZ0lmUFRyTlZSbVdCMjdHeElXY3dQYzNMSTNaYWdCelZpSlk1ZGFDR0stWUtIb3hqTVNqcUVDS0Z0Uy1ZOXdlaUlEY2JlV2h4NWprdkhvalgyOWJvXzBmUQ?oc=5) · Legacy obituary - 2023-11-18 [David Alan Hughes Obituary Nov 18, 2023 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1adXBSdlhLeHZVV1JzSnRZTWxZRzJvWmlSSWZoZjhkTjAzQzUyVlNZQ0dXbDQzUlRQNmozbXc3RXpfLUcwTW1yb3h2VG4wLVpkSlZIbUY5WkhsNHd5OXJOSzZB?oc=5) · C.Z. Boyer & Son Funeral Homes - 2024-11-02 [Marietta Bone Obituary (2024) - Fredericktown, MO - Follis & Sons Chapel - Fredericktown - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOM0JTSlFfMWd4U1VRZE0yTGM0R05Nd3owUEVGSlZEdHdtbFV2a1owZVBmQVRtc1czMnZZVDQ4c1VaQWwtc2JJQVYyRDlBZlZJemg4MElCQ2JtMXF1QnhuZmhEWndnWDduMmwzNGNxX3AtWE9ubllOdXVabjFrRWFwdzVB?oc=5) · Legacy obituary - 2022-02-25 [Theresa Elaine Moyers Obituary Feb 25, 2022 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBTMV8zb1V2cjVOUVpqeVM3MHlzN0JTWFBMdmJ1Q3BVVncwaHdFSHUzUUQ3bFEwbmZ2YlhZdWxtQ2lxVGhvdzBiOXFsY0tlMndRRHdtYTZfa29CVjF6Ync?oc=5) · C.Z. Boyer & Son Funeral Homes - 2024-05-02 [Mary Ann Burch Obituary (2024) - Farmington, MO - Cozean Memorial Chapel & Crematory - Farmington - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTE4tZ2pCVS1LNTJ4dU9mVHBDQU9Cbmo3SGt4NERvSUVxZUpSdlVySWg4dnIzYW9jUjFaVlZFbUtSaW1CUEUwSHNDRHJDM0UyQTlzWTFtNVA1VWJ2dlBCZHZpWDUyMWF4NjFlWERPczZEaW9QUlNWaDhZVDdQdjJVUQ?oc=5) · Legacy obituary - 2008-02-24 [Dr. William "Doc" Bryson Obituary Feb 24, 2008 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE41aVhVNGg4cTN3ZGhvOHRYUHpqS0JrVFlIRGc1SDNFTEJYWW90OW1qMVFmUGpKUUdHMXREemJ4WVdtcjhqZEpuMXIzcmtqTjYybkpQWU9ldzgzSEt1b2c?oc=5) · C.Z. Boyer & Son Funeral Homes ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=14546 (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/18.json (key "14546", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide