# SEYMOUR BANK
SEYMOUR, MO · FDIC certificate 15701 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $224.7M | |
| Deposits | $194.3M | |
| Loans and leases | $143.6M | |
| Total equity | $19.7M | |
| Loans / deposits | 73.12% (p49 of band) | 73.59% |
| Liquid assets / assets | 33.48% (p52 of band) | |
| Uninsured deposits / deposits | 23.05% (p62 of band) | 19.81% |
| Brokered deposits | 2.91% | |
| Wholesale funding | 7.35% (p80 of band) | |
| FHLB advances / assets | 4.45% | |
| Tier 1 leverage | 11.30% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -34.51% (p12 of band) | -6.57% |
| AOCI / equity | -0.71% (p36 of band) | |
| ROA (annualized) | 1.02% (p40 of band) | 1.17% |
| Net interest margin | 3.80% (p43 of band) | 3.93% |
| Efficiency ratio | 68.53% (p57 of band) | |
| Noncurrent loans | 0.46% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 244.55% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 27.86% (p62 of band) | |
| Auto loans | $2.8M (1.95% of loans; DQ 1.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking |
| 2017-06 | 1 | capital falling | uninsured deposits leaving |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 | uninsured deposits leaving | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 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 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 | wholesale funding >15% |  |
| 2023-12 | 3 |  | wholesale funding >15% |
| 2024-03 | 3 | wholesale funding >15% | deposits shrinking |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | wholesale funding >15% |
| 2025-06 | 2 | wholesale funding >15% | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-14 [- Tourney: Top local draw - webstercountycitizen.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVzNGY1M3SlpnSE9LR2o1RXl0S0EtWXk0VHRQRHZsaWhkOHU3cXl2NlczTFdhY241dUNQTEh5ck05bERfZHFlMmtKRU13b2lCOF9STS1aeENQQ19pdFEtMVRmdElzVkVQNWw3VVFQdkk2LTl6bTZpV1NrMWQ1ZGZuQmhSdHA3TlJ3Sl9qaHRwWFpGZmF4TGc?oc=5) · webstercountycitizen.com
- 2013-11-07 [Gerald Rudolph (Seymour)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTE5qdUw4Sm1Za3BPLWtZU2l2MlZxekhfTnFVN1JuUi1LM3haNHRiREttM1o4dG1Ka0wxd0M4bWlIYWMwV0lyVG8xZnN1bnBmRmlTRVc5OTJrdHRhQzlMaGtVaHY4N2c1VWNvUmxEako1Q0hWZkswNVZB?oc=5) · Holman-Howe Funeral Homes
- 2024-12-06 [Nate Mcintosh Obituary Dec 6, 2024 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5mYUxvQnRoTzM0aHA3c1h0b3pybm9ycmhLSEUtZ2tfTW84X3hFS0lEOGNmcGE2ZmdGSHRjVjR6a1ROMWRMdHhnZlV4X0pvQ0tFMDdYVlRia3ZmZlBkMGhobm9kZmo?oc=5) · Gorman-Scharpf Funeral Home
- 2025-10-13 [Patricia "Pat" Lorenz Obituary (2025) - Seymour, MO - Craig-Hurtt Funeral Home - Seymour - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQeHA2M0Z2eEFIWFl0Nk9NdHlxVDM0cl9VNFZUMWYyYW5hMmRyektjS0YwbHZkdGFZU1g4aVlYb1htamNmLUVFQVRkUWFmT0hIZUNCaVkwSlpuSW5tYklIZldKY05uVUJOcUUyZHVYdWtlSjZGcUlEZzJsZElfV0hBWHd0ZGM?oc=5) · legacy.com
- 2026-08-26 [- $40,292 to R-II - webstercountycitizen.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPNEZTemwtMkV4a3RWV0xfQ0FaeGtVRkRMVFUzUVRFY3Y4OWlnem8wb0FSaHp0NGJXdEgzdjV0UlROTWcxenkyS1BJcm5fWjgzUk5iNjQ3bnRRaVlqVUY5aVJ5U1p2QzlVWV9ubW94R0MtZTZhUjBXM2FJeEhxZ2FiOGlhajlLSmR0eUtXelVjMG5kOHJiLWtjSw?oc=5) · webstercountycitizen.com
- 2018-03-02 [John Medley Obituary - Columbia, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE0xZEJUN2ltT3dHN29ReUh0VkROSGt6Q1BwM01JZGlqZGpMcTN1amJqUXgtRHlvcFNPNU0wcmEwWE9jZjl0WDN0TG9kd19FWTQ2MnlXaUVNbjVMX3h4bHhDaTNfWmRndmlMMXByOThqRDluTHpKS3hCakZfc0hmams?oc=5) · Dignity Memorial
- 2017-02-27 [Anna E. Ipock (Seymour)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE5DcjB5QUVCczRnZ2RXQkZWRVlZRk1XLWdYalViX0V3UURqbVozaWRBbEwxLWNabkgwY3pYaDFLZWRmZ24tUUl2enBybEtIdERaOC1DUVpJN1Y3LVFBSEJtYW1fMlAxM2hDTG5lcUJUQUg5TUk?oc=5) · Holman-Howe Funeral Homes
- 2014-07-20 [Misty Deann Lane (Seymour)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9CeUdMc2JGak0wemZNTlYtX0hOMmhiRG15WlpqTmhsQmVHc09CN2M0R05tampJVEJIaUdVR0lyVHZwWWpBcVY1eDM0QjVZMDA0X1ZFTUJzWUJHVS1VdnI2MFFEMXVZcE9WV3ZwTENoaktWRFU?oc=5) · Holman-Howe Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15701 (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/21.json (key "15701", 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