# BANK OF HILLSBORO
HILLSBORO, MO · FDIC certificate 15821 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $68.2M | |
| Deposits | $59.0M | |
| Loans and leases | $52.0M | |
| Total equity | $8.8M | |
| Loans / deposits | 87.03% (p69 of band) | 76.78% |
| Liquid assets / assets | 22.26% (p31 of band) | |
| Uninsured deposits / deposits | 7.09% (p15 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.33% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.30% (p65 of band) | 11.19% |
| Unrealized securities loss / equity | 1.62% (p99 of band) | -2.38% |
| AOCI / equity | -1.03% (p54 of band) | |
| ROA (annualized) | 1.03% (p52 of band) | 1.00% |
| Net interest margin | 3.94% (p61 of band) | 3.78% |
| Efficiency ratio | 67.05% (p43 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 41.53% (p74 of band) | |
| Auto loans | $413,000 (0.79% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |

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

- 2025-07-15 [Bank expanding in Metro East, rebranding - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOb2Y1c1NVTjZZTUEzSEJIbW1heDMwVFNLc2djR1NRbVVTRTZZLTg1Q25QbzE2aEpvTy1QQ3hEcHZFV3VUS2dQWlJqbHE3dl9ickI4emJDZmtlRXBPQ3VMbE0xM0NrX29XU3M1UF96X2FhdHhxOGZsU1l2cFlNeWRGS2d2WThBdVlXU1Q2b2FhVUd1bHM0bmpmV2lJcmxYS2p0WVR3OUZPLTA?oc=5) · The Business Journals
- 2025-04-15 [Bank employee accused of embezzling money from church where he volunteers - FOX 2](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcU5CVTk3eFNqUFVZY2ZpUUliYkZzZDhiOXduejFieHdabTVNREdDblpTZzl5ejE4TzhBeHhGdlA5VklqUHhoVnFHcFFDLWNRTk90ck5yRFp4Z3Ixa0stLThWOEZJNmRmUTVtaWY4UmJJc0plM2dkdVd1Nk43Z1p1ZnMyVS1ieEc2VmY0Sm1pUHVPWmc3dGVHUGNYNmQwWEg4N3pTVnZ5MlIwOGtj0gGyAUFVX3lxTE1TUzFKdVJlVEw1X29YTFlZc2pVR0tmTVZEc05rR2JyZDJMdFl1TWI2azZ0UFVYVFU3eklycUpIc0hJMjViZG5mMlFNb1RWRlNKeTdCcVA3a0xZMnBQdURLNVJhMXM1c1JxLU9YYkhXUDAzTXk0ZXN2czJXbUtuS05RNENyUmZlWUI1M01pZG9sb3ktLWtOVTcwNFZIT3lMWFFwb2FNRUJzSklpUFB2U3dHQ0E?oc=5) · FOX 2
- 2025-04-15 [Volunteer charged with stealing from church - KMOV](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVzZnelFvMTlLdXhuTExTNWwtVGdjdmwzOUNYZmxsbl9PZ0FDbEZmNGxfV0JaSi1jaVZ2X3haa01mS0Y0cDUwS2dsaDh6NG1kd2NlUnVDSGVlWUdZRXBuZ1d1MlY2MEZHRVVFUXJqR2JoUHp2dFgzRHBLbEJEaUE1Yk94Vmk?oc=5) · KMOV
- 2026-07-06 [First Midwest honors Emerson, Johnson for decades of service - Daily American Republic](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9keXk0WFdGLWU0NEtBWE1hUUkwVHVKZzZZcU9HWTVSOUJ6T0c5aTkxeklaWU83NDljT1pFQTNmaVVqWjczNmdlNENDbFZPU2RtNXIzdEN1Y2R2TDJ5OTNsag?oc=5) · Daily American Republic
- 2025-04-16 [St. Louis church has $25,000 stolen by volunteer, charges allege - KSDK](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNeXc5V3lpbHN2VE11M044R1JVSG5obENzUXlIVkVHQmQ3U3owRHlQOE9EdHNETjZCamYyWnZEVFVJQWJwY2pvUDZoMDNvWURKbEJpNG1MU3l5eHJtWnlpRlVjMzB2VEtHYWtlWHAxMTJQZWhORVd2X3VzMmwwME1NUWo5QTFISzd5d2hDdFhvRko1VkRvVUFlY0UtTV9TQzBzb1AzMlFNdlVaMmtNSkViVFVNeEZYcG9ndlM0am9ZNU1MM2RQb0lscHhmZ0JOWVQxendaZmdUdmZNeHZIWDNKZTNZbDVtbVpORlZaMmY2UkVRTTA?oc=5) · KSDK
- 2020-06-15 [Atlas Looks To Expand By Work-From-Home - thejournal-news.net](https://news.google.com/rss/articles/CBMijgFBVV95cUxOcHNIZXMxa0pjbTZPeHNLcVVjd2cybzZmSXhkdWpQM2pET3lqdHVpa0ZabWdYQVdNczhjdzF0SWh0WDRNcVRVOTZPMmZuTnludlFhbEpjNWpvRHVONjNaVHdwUTBOSWNHcGNHZFFSSU9yWHpxNUh4elFUaWpJb1J5Ul9FRHdwbUhySlNUZGh3?oc=5) · thejournal-news.net
- 2014-10-15 [Business brief: Boyd named chairman of state banking board - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMingFBVV95cUxORnhIVUNCcTQzd2ZzUDM5UnlmYUlWaUtpNk5SRXNIMmlwZXZfYURDMU1mWnhsNHlMSy1sMmpWSkJIdmh5UlNNWjZCSjk1a3YxRXFNbGx1NG5VWlBpcnVYZThQWEJaVWdzTDY4S2pvVE95T1VCdTdxSDhDdzAxSG1vUGVIY3dyUzh6UEJQT1E4NVpneW05TTBwQXBrYTNpZw?oc=5) · Bolivar Herald Free-Press
- 2025-06-25 [Madison County Property Tax Bills Are Out, and First Payment Is Due Next Month - RiverBender.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOazVscmFJT3VobGV1MHhlNUV6ajI2LXlnX2gzel90ZXpWZ0U0aUZObktRb0J6NEVOdkhJUnJBdU5PcjBMSXF4OUNUZ0dMQ0NCSzBVVnRpRU04R1pFcTRBNno3VWprWGRDNjdOQkZOZzBneDROTGhub0M4R2Y5SXQzVm1iODF4U1Y1aUdSVFJzUGsxNzNPenNhaF9DclY5WVNjWExYM2MtZ242Qnh5anpycHZvOENaZm5FSFJ2bU1WTlgtZGdQRnRv?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15821 (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/13.json (key "15821", 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