# BANK OF MISSOURI
PERRYVILLE, MO · FDIC certificate 1617 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $4.23B | |
| Deposits | $3.58B | |
| Loans and leases | $3.18B | |
| Total equity | $496.1M | |
| Loans / deposits | 88.23% (p53 of band) | 87.10% |
| Liquid assets / assets | 14.78% (p22 of band) | |
| Uninsured deposits / deposits | 25.30% (p31 of band) | 30.76% |
| Brokered deposits | 11.66% | |
| Wholesale funding | 12.73% (p73 of band) | |
| FHLB advances / assets | 1.07% | |
| Tier 1 leverage | 9.63% (p26 of band) | 10.50% |
| Unrealized securities loss / equity | -7.79% (p50 of band) | -7.75% |
| AOCI / equity | 0.05% (p82 of band) | |
| ROA (annualized) | 0.93% (p26 of band) | 1.26% |
| Net interest margin | 3.37% (p29 of band) | 3.70% |
| Efficiency ratio | 74.52% (p86 of band) | |
| Noncurrent loans | 1.53% (p85 of band) | 0.51% |
| Net charge-offs (annualized) | 0.63% (p96 of band) | |
| Reserve coverage of noncurrent | 42.88% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 58.00% (p61 of band) | |
| Auto loans | $4.4M (0.14% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 41.8% | |
| Employees | 573 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | brokered >10% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | brokered >10% |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 1 | wholesale funding >15% |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | wholesale funding >15%, capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2017-03 | 2 | wholesale funding >15% |  |
| 2017-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2017-09 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2017-12 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2018-03 | 1 |  | wholesale funding >15% |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2019-06 | 0 |  | capital falling, reserve under noncurrent |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | expense ratio p90 |  |
| 2024-06 | 1 |  | expense ratio p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | expense ratio p90 | capital falling |
| 2025-06 | 0 |  | expense ratio p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | brokered >10%, capital falling |  |
| 2026-06 | 4 | charge-offs p90, reserve under noncurrent |  |

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

- 2026-07-14 [What Is The Bank of Missouri, and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMif0FVX3lxTFBKdGVhM0FwdDJibTBmSnl2MWN0YmIwdWhLQ2RSWGFERGItT3lBUTBNLVpaek53RndSb2Z2dkk1cG96TWlVbnU3YkdRSVhOWjFWMGFyZWJoZWRtTUhrdnEzUW1iYV9XdXZVeGdadjYtRzVZVVJVTlRIby01ZEFwU3c?oc=5) · NerdWallet
- 2026-03-24 [The Bank of Missouri enters St. Louis market as M1 acquisition closes - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOR1Rob0kyZlAxY2R1Mzc4UXdTZmxGakFHSThtenF1THVweE9udXZ4XzNvdVhTcFBXMHY0TWhMV1BoX1BhQ1JKOXdUT004dldadURSWDdPWWx5a1BHTEt6UmtuX05HMUhlTGRRRHREWUpqTktiSzdOcTgtemdLa3hKd2x6Ym14emhTNjZ1cXk0TlM3RXFsc1d6NVNuejhDd2dXeHptZkRn?oc=5) · The Business Journals
- 2026-08-05 [Furrer, Guerra Appointed to Reliable Community Bancshares an... - waynecojournalbanner.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQZGxnU2xmVHVMUnlkTVMwSHlQOEU2QmRLNm9YVU5DWFpSeVJQQTZKQ2ZhSTVvbWFQc2ZjMGktVm9BRGhJekxYUTJBRW9yRVBuQkRBRGZOZnhnUDZTTEg5MUFFUnpTNllKenhsQ05nQ0tjQ2hBZC1RTGo2c2UwUWgtY1U3NF9PWVFPaDN1UFF5Rk5TaFV4NGY5QjFVdi1oVXVLMTY5cHROeWhHRnBwTGthYXg5OU1xd3BEaTNoVXhVYy1XWmZSUVJIeVhGVmluNWc2WEh3dG1B?oc=5) · waynecojournalbanner.com
- 2026-02-17 [John Thompson: Building community in Jackson through banking and service - The Cash-Book Journal](https://news.google.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?oc=5) · The Cash-Book Journal
- 2026-02-12 [Bank of Missouri’s parent company completes M1 Bank acquisition - Perryville Republic Monitor](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTUM5dmxFbF9vRjVFSTh1ZnlfUnNBbFpBMVprQlJFQkN3WWZYZ2xiUGhpbzlkZWxINWxkM3BCOWhKRjJSVUhWWU90cEtRZmJBWUYtc0g0dFBNQ3p1dGpvZjhvaWNlYXJjbnIydkEtV0F1cGFISTZCcm04NXBQbG5ZSHQ2cnI0bnhUbWxEaUktelIwVkRSS0szQ21KNm90WlBxRUFCY0tNTW4?oc=5) · Perryville Republic Monitor
- 2025-10-01 [Great American targets $2.3 million bond after Missouri bank fraud claim - Insurance Business](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNQzBobVl2Wm1GNjVmTFprenJIYXNlMmZXcGNXM3d4cEVkR2VjUExvVHVGOTYyYnh3RUF4RDZocENPLUpmek12UEJfYmp6d25MeXF5OWtvY2ZlbFFiNk9vUHMzeWo5UEVFUHRqUVdYcVZmblUyUlcxaDNVVmNHejZDdmJkX1k0V2FPbjNQRzV2c293UGdySWxHRS0zdE1rODVNNGpDYU52VlVYUTFkU3lQb0tsbDZVQ0lEamhEcGJyRERoWFBKVzdYQUxaazVLNzhUR1NhUWRhUFRRaU02MXU3cFhCeHg?oc=5) · Insurance Business
- 2026-01-16 [Bank of Missouri acquiring Clayton-based M1 Bank to expand into St. Louis market - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbjVvVTVELVhlNGlWT0FnWWkzZXMzeG9HelVyMHQwZElBaXpZVzVTdFFyTkpfcGppU0RuRlRvQThTaXNzVHBaekIya1BvelBnZXpIR1dRc3NOQTQ4WjFkTnBrVzFic01nNWEzWm1tRlpwNklZeHFYMTdBaGZ6RWE1REFDekVHTm5zNFdnOHlKZkRHckRSMzBOMlpSSjN3RkdiWXk2YWpQSzAzQQ?oc=5) · The Business Journals
- 2026-05-09 [Photo gallery: Perryville soccer vs Notre Dame - seMissourian](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNjd2b210cTBtVDU1OFNNWXFYRUxDMWo4TWg0c1R0d2M1b0h3ZnRKVm51M1FnM2ZMWHNSOXp2VzBWNkV4dnZuM2EzVmVIaldXS0JwTXREWXhxTDc4cU5LVzBhUUU2WDNPeG1GRVdUQUtRRlN4SWNueHNpV282U0FqcVFaWERrOWlPZ2xZamwteGVBa3pt?oc=5) · seMissourian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1617 (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/17.json (key "1617", 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