# CHILLICOTHE STATE BANK
CHILLICOTHE, MO · FDIC certificate 15546 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $135.2M | |
| Deposits | $122.7M | |
| Loans and leases | $75.5M | |
| Total equity | $11.6M | |
| Loans / deposits | 60.58% (p31 of band) | 73.59% |
| Liquid assets / assets | 42.22% (p67 of band) | |
| Uninsured deposits / deposits | 29.33% (p80 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.89% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -8.71% (p43 of band) | -6.57% |
| AOCI / equity | -1.65% (p16 of band) | |
| ROA (annualized) | 1.24% (p55 of band) | 1.17% |
| Net interest margin | 4.03% (p56 of band) | 3.93% |
| Efficiency ratio | 62.64% (p42 of band) | |
| Noncurrent loans | 0.72% (p63 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 218.27% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 22.98% (p57 of band) | |
| Auto loans | $3.0M (3.94% of loans; DQ 1.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| 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 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 3 | assets shrinking |  |
| 2015-09 | 1 |  | capital falling, assets shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 2 | capital falling | uninsured deposits leaving |
| 2019-03 | 1 |  | deposits shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | deposits shrinking, assets shrinking |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 0 |  | deposits shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2023-06-04 [Jean Adele Simmer Obituary Jun 4, 2023 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE5TWVFBeXljVThTLWFBMWhaVDNJYWE1eFZPZzVmSFNyM21QZUZmOEJPYnRsTTlac0tBYUR4Tk44RXpqZGRxNTE2S1BndFFfM3lQOHhhU1EyLWdBRDJsUVRvSlJkQmJnRXp5SXc?oc=5) · Lindley Funeral Homes
- 2020-08-13 [Roger D. Batson Obituary Aug 13, 2020 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFBTdDFSTmlidUhoSURDc2ZLWUZncnhnbTJIRV9aQkl6a1drQ25nZnRMSUUxSk5tZi1FVUt2c2ktbVlORWtheDZPc2I0UnBHMkxlMzhhb2hmTHZaeERoSEVhTXN1ZG1ndXFGa1VKSUNMbUtpQQ?oc=5) · Keithley Funeral Homes
- 2024-06-30 [Bernita Elaine Mammen Obituary Jan 31, 2016 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1ZSHRSM2Zzbmdjdm1mYVYtX0FfeTRSN2JQX3pKSEF1elplNlUtWEZUNEZtQXRvOEZ4empGRGtiZlRaWW84RjlDSGtxVlRaM013UTBGVWNYVWxBNHUtcHJoVUpkQXoyZGp4bzR3Uzh3?oc=5) · Lindley Funeral Homes
- 2015-11-11 [Nearly one-third of CHS student body receives academic honors - Panama City News Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMFM4UVFOMmpJbEwyMV9JeThDYUx1MjQ0VlBoMWx1QkpqZXYyaGNEMDZVNHc3a3J0SDRsZEI5MXRwQ293QW9UcmZ6MjJ6QTRFSGJNNDB6bmJxZlc3SjRuLUxoNm1TMTB6U3NYdUJMY3lxX1M1YTVzOEdzZnA4YjZlNndkMnhWMVY3SDl2ZkdBQzg1blow?oc=5) · Panama City News Herald
- 2024-06-28 [Norma Elizabeth Pearson Obituary Sep 9, 2011 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE5NYWlaLUpFVWFEZTk1NEVMd2M0WDhNdmtrWmN5MXdpQlR3eFRpVmtVRDFKaHlfTEdFYmJzQjJCMlRXN3h2VXVDVWlLTk42SFBjb2F0YUIyYWxzVTgydXBZSDcyZ1dQSVB1Ni1LUDJLMA?oc=5) · Lindley Funeral Homes
- 2024-06-09 [Marcella Baker Obituary (2024) - Carrollton, MO - Bittiker Funeral Homes, LLC - Carrollton - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQcW0tNjQ5OWN1d3lLT3lORWEwVUdGTUh6bDlFTHRSc0pDaTBnYWJ5U2xBcWZESEhJbWkwX2dTQmhwc0wtS0c1Q3YyV2RQUDZSTWc3MlQzY1JoTkNHT0tKalpKcEVNajRRMmtEakhiaUVVQXVUelBoQXNDOXVkeXBxTWFNOA?oc=5) · Legacy obituary
- 2024-06-30 [Marilyn Sue Brown Obituary Feb 26, 2011 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBBcFRFeXF1RU1xMVFXcHBNUUwtM3dMMnhmQ3BZSklGZzMwSzZnS2xPVTJIWGlPMTBYRGhaSjd1Y2hWU1A3RHhTYmMxNFpFdzNZY2ZlbnluT2thMVFCd3BHWW5FQUpaSVBYck5QUld0RVA?oc=5) · Lindley Funeral Homes
- 2020-09-06 [Charlotte (Case) Edmundson Howe Obituary Sep 6, 2020 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMie0FVX3lxTFBPSXBVWmJkUF9jZUZCX25RSE5WeURTSDExYThhbzlzVnFzUEgwV3VQbmM5NklhQUtTckVta2lOdzdfUjcxZW1zcGpURng5Y1F4dVJLYjEzMk96aVdfcFVqQnV4dHd5RGE5MGx5UHVOTS16eUJLX0xneUlhQQ?oc=5) · Lindley Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15546 (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/58.json (key "15546", 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