# FARMBANK
GREEN CITY, MO · FDIC certificate 16103 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**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 | $78.6M | |
| Deposits | $72.9M | |
| Loans and leases | $50.3M | |
| Total equity | $5.0M | |
| Loans / deposits | 68.11% (p41 of band) | 72.79% |
| Liquid assets / assets | 30.50% (p43 of band) | |
| Uninsured deposits / deposits | 7.70% (p8 of band) | 19.24% |
| Brokered deposits | 1.44% | |
| Wholesale funding | 2.08% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.78% (p2 of band) | 11.81% |
| Unrealized securities loss / equity | -30.28% (p16 of band) | -7.16% |
| AOCI / equity | 11.43% (p86 of band) | |
| ROA (annualized) | 0.26% (p13 of band) | 1.07% |
| Net interest margin | 3.53% (p36 of band) | 3.81% |
| Efficiency ratio | 91.65% (p89 of band) | |
| Noncurrent loans | 0.79% (p68 of band) | 0.35% |
| Net charge-offs (annualized) | -0.02% (p6 of band) | |
| Reserve coverage of noncurrent | 166.33% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 18.06% (p51 of band) | |
| Auto loans | $1.4M (2.88% of loans; DQ 1.38%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 21 | |

## 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 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | wholesale funding >15%, capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2018-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2018-09 | 2 |  | uninsured deposits leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 | uninsured deposits leaving | charge-offs p90, capital falling |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 2 | capital falling, reserve under noncurrent |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 3 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2020-09 | 2 |  | uninsured deposits leaving |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 4 | capital falling | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 | uninsured deposits leaving | capital falling |
| 2023-09 | 1 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2023-12 | 3 | expense ratio p90, charge-offs p90 |  |
| 2024-03 | 3 | losing money | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2024-12 | 3 |  | capital falling, uninsured deposits leaving |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | capital falling, uninsured deposits leaving | losing money |
| 2025-09 | 1 |  | expense ratio p90, capital falling, uninsured deposits leaving |

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

- 2025-06-24 [Missouri bank merger: Peoples Savings Bank set to grow to $757 million in assets with new acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSTIydjFyYmx1bHpPY0xLa1NNMkVBWk4zb2ZaUkdJMHYyNFNFWFNSNTJBTDhYWE1ydG4xdEM4VUR5R3l1OGQ2R0QzNjZiV1hFWTd0TzdNZVV3RDBDR3NRM3pydEFmeXNISDF5Z1E2QTNqeENtSmZGYm5ra04tWnlmNDhKeDJNcUxKclM4WWloOC1WSGh2WlZlb0tXTUxpWU9NcjJuenhKbWVTRW8?oc=5) · The Business Journals
- 2025-07-02 [Peoples Savings Bank of Rhineland Announces Acquisition of farmbank - The Mexico Ledger](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNUlXYnBHN0JhZkZoX2lPSlRfYnhpWWREeGhvbnFpNDRNT1l5UDNxX3NJbFpsT1pZQmt4ckJhYW5jcEZNbWVIMlVuY2ZLYUtvMnNFVmhmMXZsblFtM2xVRlk5azk1cGNEN3VuMEcyZXp0NVVndWFCQ0dGU1J3YUx2Y2xUZDFHRnRNelltd0x2Nk04ZElhNHAzM251WVRFelZySkFzdWdTZVdTa0k?oc=5) · The Mexico Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16103 (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/39.json (key "16103", 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