# CENTRAL BANK OF MOBERLY
MOBERLY, MO · FDIC certificate 15142 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 2 (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 | $257.1M | |
| Deposits | $226.7M | |
| Loans and leases | $99.3M | |
| Total equity | $18.4M | |
| Loans / deposits | 42.89% (p19 of band) | 63.26% |
| Liquid assets / assets | 60.58% (p83 of band) | |
| Uninsured deposits / deposits | 36.38% (p92 of band) | 18.86% |
| Brokered deposits | 1.02% | |
| Wholesale funding | 5.43% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.21% (p3 of band) | 10.61% |
| Unrealized securities loss / equity | 1.47% (p61 of band) | 0.71% |
| AOCI / equity | -1.52% (p38 of band) | |
| ROA (annualized) | 0.98% (p46 of band) | 1.03% |
| Net interest margin | 2.30% (p12 of band) | 3.29% |
| Efficiency ratio | 60.97% (p34 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.32% |
| Net charge-offs (annualized) | -0.04% (p8 of band) | |
| Reserve coverage of noncurrent | 3419.67% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 16.02% (p53 of band) | |
| Auto loans | $14.9M (15.03% of loans; DQ 0.50%, NCO 0.00%) | |
| Loans to nondepository financials | $44,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 24.6% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 4 | NIM <2.5%, deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 4 | capital falling |  |
| 2013-06 | 2 |  | uninsured deposits leaving, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 | assets shrinking | wholesale funding >15%, NIM <2.5% |
| 2015-03 | 1 | wholesale funding >15% | assets shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 1 | wholesale funding >15% |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | charge-offs p90 |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |

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

- 2026-08-06 [Sandra Jones Obituary (2026) - Moberly, MO - Pathway-Millard Family Funeral Chapel - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNc0lyQ2NOLThiczFUR0pLNTNGUGd4QklscVlSS0lCRV9WWFJQMkc3dTNyc2Frd1hWelV2amNSb3M3aThTeDVCaEpiWkJnOXBmYWJiTEVwQkp2UHU2U0twaTlpZnJTMTROLVpZMTNHNnNhQ3NHMWIzUXAzZ1hLdHlreQ?oc=5) · legacy.com
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2019-04-12 [Central Bank makes a $104M buy in KC - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN2ZPbDl1TTdCa1V3M3ZQbmVYcFlKVC15LUpDRmJEN0ZlVlZBTzZBay1hbGVYdUlZZ3ZqYlNwZi1zM3Z2d1lIeTFHNHkxSkhkenBJaDlZNHMwTkUyREg2eVhQQ2gwYU02eGRBU2FnTnlwVnU3WUI3ZEZ6UmExc0VUZ25LMUFqOF9NMkh1LWFINnRQaTZCY2pR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15142 (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/38.json (key "15142", 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