# FLAT BRANCH BANK
RICHMOND, MO · FDIC certificate 15751 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $92.8M | |
| Deposits | $79.2M | |
| Loans and leases | $58.2M | |
| Total equity | $13.4M | |
| Loans / deposits | 72.57% (p48 of band) | 73.59% |
| Liquid assets / assets | 34.12% (p53 of band) | |
| Uninsured deposits / deposits | 17.69% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.58% (p59 of band) | 11.76% |
| Unrealized securities loss / equity | -0.58% (p82 of band) | -6.57% |
| AOCI / equity | -0.51% (p44 of band) | |
| ROA (annualized) | -0.96% (p3 of band) | 1.17% |
| Net interest margin | 4.74% (p84 of band) | 3.93% |
| Efficiency ratio | 115.56% (p96 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 69.05% (p87 of band) | |
| Auto loans | $207,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.7% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 3 |  | uninsured deposits leaving |
| 2015-09 | 2 | uninsured deposits leaving | noncurrent p90, capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | capital falling | reserve under noncurrent |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving | capital falling, assets shrinking |
| 2017-03 | 3 | assets shrinking |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | deposits shrinking, assets shrinking |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 3 | losing money, NIM <2.5% | securities losses >30% of equity, assets shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  | deposits shrinking, losing money, NIM <2.5% |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | capital falling, losing money |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 | uninsured deposits leaving | capital falling, losing money |
| 2026-03 | 3 | losing money, expense ratio p90 |  |
| 2026-06 | 4 | deposits shrinking |  |

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

- 2025-04-01 [New Columbia bank location features coffee shop, martini bar - Columbia Missourian](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNaDlKaU1KaUZ3RUlzQkhoR3dNanRTZW1MQklVMzNOQW5IZnhpU21RYi1aQjdHemhVQV8tMGE3MFhXeTY5dC04RExUd1dla3ZqZHYtUGt3eS1DUEVLSmVuc1hDdGxNS2N5NTZGTFlqY21hNGIydTIxbnBZa3FuWnhqcHNyc1dCQnpPOC00RzdvaTAzdC1PaHRiRnZtbkJVZl9TQ1d2N1dLcEptVndMTjhGY05VUVFpQ0c3dHJtdGdGOGZicF9uZDZkZ2d1ZTRWNzhtYmVYeTVTSmNGd3VOX2hISEFzWUV0b2tONDE0?oc=5) · Columbia Missourian
- 2025-10-13 [(LISTEN): Downtown Columbia banker says homeless residents continue to harass employees and damage bank property - 93.9 The Eagle](https://news.google.com/rss/articles/CBMizwFBVV95cUxNVmhPUWsyX0x0VXJxLU83bFBoX0hldHZ1MVBEYkhqdVVxNHYwdXRHNzRMUlhseEF4d1p3MlZOWXJ2bHI3RHU0RjlnbHEtQWE4d2JHaWlOSlZXOFRJalF3dWx6V2NUZXByOEVwaWlzYkM4YjQ1NnRGTzB0RzNHYXpfQkFWTGRpR1hQaGVzVURuMmstZFN2NE1FcHBHdk5uNDlWUXcwVDlkZS1kY3NsdkY0TjlkeTlVVGU3VmJXdlE4N1NnRlNXRl9hVUdIbTdKZmc?oc=5) · 93.9 The Eagle
- 2025-09-30 [Gala celebrates alumni, donors’ commitment to Columbia College - connected.ccis.edu](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaDZ2WGFyOVVEYkdHTnRvSDU5eHVGRkNuNmVsVnpCNFk5OUdlYTU1UTAyaHdNajNyU2dxX0RYYzdkODlYNzVMVXlFWTFfajR3YV9zNWlmVEZENDJNRkhQU0JWbGFFNnRUYXNZa2dRaWNJRk9ESmRDRzZsOEFlNTN3Q0ZxMktQR1M4SGZIdzREbklRT1VWQUloZFQ4WnBsaEw3?oc=5) · connected.ccis.edu
- 2025-10-07 [Downtown Columbia business owners react to added police presence - KRCG](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSTQ3MEhyaGlpdDE1QkttdnNXVGdaX1lYYXdvOVNvTU0xV1RyZkFmRHB4ZHlwRDBoeFhVSEYzZFNJeFZNNlRTNkVsaERNT3BYNmpIV2xjTHlwcDBaMG1FUDVSRlFRbmthSTdJRXNvbVpsWV8xc2xiTnV4TUhId2JXdjBlNTRZcjQxLXpUTGx5RXdfb2hTeW5uUXJR?oc=5) · KRCG
- 2025-09-06 [The Heist offers a collaborative space for leaders across Columbia - Columbia Missourian](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPODVOamdFUm1yaTlQVi1WVEVFbkpwb3J2Sk5TQkxoQnRUaDdSdnpGZmI5S2VHdE9tV2dsb21kOWdYUUM4X3VPQzBtMVIzYnR2WnlxblNOQWZkZFRlbTBmamhNMWZEbEhQazhGMlJaZHVsT0NlVWs4YjZhRjZZQUQ1VktFWVRpYVBJTUhiSzFjcUNMSXZkZEdTMGNLMjhEV2ZmWG00d2JkU2lISkhlS2U1d29mLWdnMWF1c25QdG1xZnBFZ25BUFBIRWNZbXRjbjVVNVdOOEhVU2c0S0lrYjROS194LWFhMURiUXJaamNsdEgxclRt?oc=5) · Columbia Missourian
- 2026-07-08 [Downtown Columbia business owners voice support for urban camping ordinance, dissenter questions effectiveness in other cities - ABC17NEWS](https://news.google.com/rss/articles/CBMigwJBVV95cUxNNXFMWVRwcDlwWG9HbzU5TXhydlppSG93Z2Zfdmd3b3VZU3ZVSkZKUGJGdFp5Wm1yUUtZQnBtUFZuZURVN2JjdnQwQzU2Q1hKLWlTZHZzWXQzS1hyby1kTDRkOV9UQ2RNZC0yeHlfa2hsU0RqaGRnemVmanMtVkdKYkRQdTRvMHBjMzh2VDhMSm4zQkRpT1RoalVnc0xRYk9rME0tbng3ZUhNdy1weVdMX1NwMXBSb1o0UlVheE11RzlHUmVkN0FGSFI1ZW4zMUdVM1pjTHo4SGpubTB1STZRaVUzOHNjZnF5M2xHUU51YmJ5ZGtua3VNdjdLZEdNTkZDZmVJ?oc=5) · ABC17NEWS
- 2025-08-28 [Five new places to eat in Columbia, and two that closed their doors - Columbia Missourian](https://news.google.com/rss/articles/CBMijAJBVV95cUxQRHVjbzVnVDRfY2hsOTRhZjVFeXRwSmFhZ05XY1hkZU5JNHY5WDVLN2hCQndOZzV3YUZSTVF3Q1hZRC16MmVpX2h3NGlRNVp2aHh5dkV4QVZDa1QzUEJqdi00WVg3U2dwaUxKT19BOUN2a2I1bkpiMzVQUTRQX080RnJDS3ZuRUpTNHBJVWwzc3ZfeWRwRDdidzRsUXU5UTg5QWVHY2d6d1o3cUVxRll2QTlub0F6b0ZPLXlGWTVJNVhDcXhpanQzTTk0b29USWVwN0c1bVUycE9OUEZCWlhURUhEcTNhN3ZGdnI5QW9fbzZZYkNEejlPX0JSdEpUNlAzTEJEem1lVnJMQjZU?oc=5) · Columbia Missourian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15751 (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/7.json (key "15751", 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