# BANK OF NEW MADRID
NEW MADRID, MO · FDIC certificate 14701 · asset band <$300M · 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 | $116.6M | |
| Deposits | $98.9M | |
| Loans and leases | $66.5M | |
| Total equity | $16.4M | |
| Loans / deposits | 66.33% (p39 of band) | 73.59% |
| Liquid assets / assets | 41.48% (p66 of band) | |
| Uninsured deposits / deposits | 32.65% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.86% (p52 of band) | |
| FHLB advances / assets | 0.86% | |
| Tier 1 leverage | 14.11% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | -2.11% (p70 of band) | -6.57% |
| AOCI / equity | -1.19% (p23 of band) | |
| ROA (annualized) | 1.91% (p83 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 57.67% (p30 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p74 of band) | |
| Reserve coverage of noncurrent | 3369.23% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 19.75% (p53 of band) | |
| Auto loans | $1.1M (1.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 24 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | reserve under noncurrent |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | reserve under noncurrent | capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 1 | AOCI drag >20% of equity | assets shrinking |
| 2022-12 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2023-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-04 [Bank of New Madrid, FHLB Des Moines award $10,000 grant for MDMC cath lab - Standard Democrat](https://news.google.com/rss/articles/CBMixgFBVV95cUxNLUZnU0d6bDBxSzg3UnlVZFFuZFBHeERrTkRsYlBCUzVpal81T2VWMmg0Mi10NXc3dUh2VHNDa0M2M296alJ1SzRkT2RMY2M4QVFobDF3RXpyc2ZCdkhpS2dlX2s0Nzk1ZkJ4a21XaVpyS3FpeWFhbmhGaWR2UVc5SzZwLVJ4ei14dDBkd2xGUG5nRGVOQWRHUUxOYmxzeDVoOE41V1RIN0RrWjFxMHA4WXgwenZhZzQxQ1E1bmNBMk0yY1NVN1E?oc=5) · Standard Democrat
- 2025-11-22 [LIFE IN THE BOOTHEEL | Inside the legacy and future of the B... - Dexter Statesman](https://news.google.com/rss/articles/CBMivgFBVV95cUxOLXhYc3JFbWtwazR1Nmd4aE5rYVFjb2hSWUJvTlJPM0tvQm5lLVlkUlZPT2ltcmRETjJOY3FsM29zcDhUaHNkcWU3QlotMGl6U3JkeHdKQ3hJZlhta2ZfdTJHTzJKNHBvWFdjYkJGWEsxM2JWcHV2dEIweDMyZ2VWbVR6TGZuVGx5S2ptS0hTdWVQUzRVd0RpRlg5ZDJaYU16YzAzSG1EYlA3TWtmazlBdXpfT0pQRXZvbFpiMVVn?oc=5) · Dexter Statesman
- 2024-02-03 [Rebecca Sharp Obituary Feb 3, 2024 - Amick-Burnett Funeral Chapel](https://news.google.com/rss/articles/CBMid0FVX3lxTE1FMEVCdURZZm5pN2ZWN0ZLSnZYWThaTWNfUHZNTWN0amRJaGt6VF9uejNrcTNYRnJRNnMyMFlPcFRzR2xDSnNrSDdVTUJ6TjZQcnU1b2VGQjhiVHNZVmR0MzNmb19FbVNlalBRWC15UUxKVWdMSHhn?oc=5) · Amick-Burnett Funeral Chapel
- 2025-10-22 [Half of Missouri ZIP codes see postal service cuts under consolidation plan - Missouri Independent](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOZF9DV0NuT0prbVpYT2JFVUtDN3RXZTVOX0J3dF9JVUZqSzhHd1BneS0xTUwycXhaZWRTQ2NYb2dFaW5GcVhqSnFIYVA5VjRxRWZEVHpNUnNYUXNzZkV2U1lhNERma3NzMWZIZEk0eUtLTHFWMmJoSHp3UmZFbUxhWG5KLXVtSm42NUhyMEN0S1JyTkl5UkRNYTBmZlFNMWQ0S1VTVkp4cVZaUGlhUjEwV1JOVG9VaVUtT3JR?oc=5) · Missouri Independent
- 2021-03-08 [New Madrid Co., Mo. woman sentenced to 6 months for wire fraud - KFVS12](https://news.google.com/rss/articles/CBMijgFBVV95cUxQaFpQTGp1cTViQ2RuMGE2TVlqZWk3QVNvOGlyT2lid0g1VGppVEw0a05iUXJ2Nmx3NlFDSWFSOER4M19LNWZmU0pCU0dOMXJuVzVCOXJBdlE3VEstTk1FNTc5bGNaNjFtbmhFU3ludlpLOXlNVWN2eWtSYTZQRk8xTzNLTTJBYXAtVmloeER30gGiAUFVX3lxTFA3S1BkUVJQRWs0QXVWcUFCWGpmQXdVdlhza1FBYjhWb1otcjZRM3RhX0Rhd3dodVM2VDExNEdwSjE2Y09MX0FrMEl2ZkR5REpjcXYyemVnejVYckhOMmVJRUFaUTZGNDFHZC1wZ3JFbWdIUUtkaDREMDU2TnZQM3g1UEg4NXdoSHlkdDBBMTNwRlZuS1BReDVqWDctTE1kekJBdw?oc=5) · KFVS12
- 2025-06-08 [Decades of dedication: Bank of New Madrid honors employee’s 80 years of service - Standard Democrat](https://news.google.com/rss/articles/CBMizAFBVV95cUxNR1NiSXd1UkN0QnVqLV9LR3A1UW0tSUtGOTJRLW1LVlpRU1BMWEFfZ2M5LUhWZ2FlUGNTQ29NZnhZZHZJMUVwNWhHTWZiMThJMzdRSzlpRWNzbDQ1Ui1IZm9vZUM3bl9udVN2SmQ5eW42eTA2YW5jR3FvU255RUxtckd6bi1xVGpCNmxHNm1Yb2gtSkExR1d2QWVzOTJScURjMFhZblNpeG9YajBUUkFhSVJCNS1ZbmxEbW5JX0pVSGZ2Q3FQd0loZ2R2a1A?oc=5) · Standard Democrat
- 2025-01-11 [Samuel Hunter Obituary - Sikeston, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQNWRNUVhBVFRlTzczSTRfWnhkanhxbzFrcnl4WWJZS1B2eWpLRWNJQXRQT0VEZ1JOakdoTWtyczg3LTVqZXJvMmhDWXhEaHR2bWhNdm5VVk1XMEo2V0lJeEVkMklNUFhDaWxWTnVzaU9VUlZyZXBIU0JLRjI4SzRKYlJpUQ?oc=5) · Dignity Memorial
- 2024-08-20 [Bank of New Madrid celebrates 90th year - Standard Democrat](https://news.google.com/rss/articles/CBMijwFBVV95cUxOaUUzc3RmWWw1NXlHOWxncnBWa2N5aHoxR1ZkUEdrTDJJNzVLM2pBWWVIQTNxWHZidkFjNzZNeS1DaVAtRWVsUGViMExNYlNLWXJySFQ5eHBJUEtGY011X1p5cmhQbXc3YVlnc0hIc3pJNzJpcVJHSzRCRW1NeU1SbFdSUTIxQ2xnZmlNRUhhaw?oc=5) · Standard Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14701 (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/45.json (key "14701", 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