# BANK STAR OF THE LEADBELT
PARK HILLS, MO · FDIC certificate 16107 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $108.0M | |
| Deposits | $95.3M | |
| Loans and leases | $69.1M | |
| Total equity | $9.3M | |
| Loans / deposits | 71.13% (p56 of band) | 68.02% |
| Liquid assets / assets | 30.41% (p38 of band) | |
| Uninsured deposits / deposits | 11.17% (p62 of band) | 8.86% |
| Brokered deposits | 0.11% | |
| Wholesale funding | 2.74% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.47% (p19 of band) | 10.05% |
| Unrealized securities loss / equity | 0.43% (p21 of band) | 3.01% |
| AOCI / equity | -0.28% (p27 of band) | |
| ROA (annualized) | -0.09% (p11 of band) | 0.76% |
| Net interest margin | 3.98% (p63 of band) | 3.75% |
| Efficiency ratio | 87.79% (p78 of band) | |
| Noncurrent loans | 1.15% (p49 of band) | 1.21% |
| Net charge-offs (annualized) | 0.89% (p92 of band) | |
| Reserve coverage of noncurrent | 171.63% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 56.88% (p85 of band) | |
| Auto loans | $1.5M (2.10% of loans; DQ 0.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | losing money |  |

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

- 2017-06-18 [Stewart announces retirement - fultonsun.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9TSWNvb2FoSmk2YTRZOVVnUnBIekRDNE5UYm45TXVOS1oxRjgyLVh5djByZExUX0Z6c2lHYzg1NlhYYUlzYzAtMXU2R1Z5QjRuQXBYU1pONDNkYUF5ZHhKeFVaU0cwaFJ5RHlIZFl3SjA0S3FfVktCVEFGRFc?oc=5) · fultonsun.com
- 2012-04-29 [Dawn (Lilly) Francis Obituary Apr 29, 2012 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5jbldSejBqNTdZOXR4SmVGUm4xZHBwV2pMYzZDcHhLZlJWR2Fzc0tVOGU3ekpFcUQzYUZDb29tUlZ5RnB5eG4ydXExeWJLRW9IMkl2RjdBbVFQNzVwMmUzUnlVWQ?oc=5) · C.Z. Boyer &amp; Son Funeral Homes
- 2024-03-27 [Dawn (Lilly) Francis Obituary (2024) - Bonne Terre, MO - C.Z. Boyer & Sons Funeral Home - Bonne Terre Chapel - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZ1c0YkRFSUh1ZlJBMVlyQmdHMG1sSmJ3Z1AtUnZaRmJpaW1rWWM0ZmNia1l4eXV4TjZHeWREUjY4VzNYLXFFMTlWeDA0VzlWdE9Rc003QWJKcFZodlVQbTJVamhmNm9yMzVvUXFyUkt2Um5SVnBXM2JmTzM1QWNhWA?oc=5) · legacy.com
- 2013-06-09 [Sara Lee Thompson Obituary Jun 9, 2013 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1FVWNpMTJpOFl4M2pYOGFTTU1qUTZyN091YU95TWtYWmZEWFpWTFAwUnNzR2x1LThiRUlCbHhBY1JVLXp0X29SVmxsMVpZTGRyUWFoMmVXVEF2ZTZuaWpBeUNn?oc=5) · C.Z. Boyer &amp; Son Funeral Homes
- 2009-08-20 [Andre Runnels Obituary (2009) - Park Hills, MO - Daily Journal Online - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPV1drRkxlRXUtNi1LN1hYUFZydk5QdDU5N3JQdlRBOEdjMVFaV1diQ01xTHMxcFJxZF9sOUZTNlR3TTlmQVBZWjU3eC1sYmd6TGlIZXFVS3FkNXFaUTV6T3BOaU9ZYVlUU0NSU3ZvR3dBU2pvOEZJbnNGNkRyRmw5bmJyS244YlloRlcxdVpRNndKcUVVSF9TMlRQcw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16107 (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/43.json (key "16107", 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