# BANK OF BELTON
BELTON, MO · FDIC certificate 1623 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $45.8M | |
| Deposits | $43.8M | |
| Loans and leases | $18.5M | |
| Total equity | $1.9M | |
| Loans / deposits | 41.25% (p12 of band) | 70.22% |
| Liquid assets / assets | 52.39% (p80 of band) | |
| Uninsured deposits / deposits | 11.95% (p48 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 3.27% (p1 of band) | 10.41% |
| Unrealized securities loss / equity | 2.14% (p76 of band) | 0.24% |
| AOCI / equity | 1.55% (p53 of band) | |
| ROA (annualized) | -1.14% (p2 of band) | 0.79% |
| Net interest margin | 2.59% (p9 of band) | 3.62% |
| Efficiency ratio | 141.53% (p99 of band) | |
| Noncurrent loans | 5.84% (p95 of band) | 0.88% |
| Net charge-offs (annualized) | -0.03% (p11 of band) | |
| Reserve coverage of noncurrent | 42.47% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 158.66% (p99 of band) | |
| Auto loans | $92,000 (0.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | expense ratio p90 |  |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 9 | leverage <5% |  |
| 2012-03 | 6 |  | capital falling, leverage <5% |
| 2012-06 | 12 | leverage <5%, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 7 |  | losing money, expense ratio p90, leverage <5%, charge-offs p90 |
| 2012-12 | 5 | losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 9 | capital falling, expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2013-06 | 11 | leverage <5%, charge-offs p90 | uninsured deposits leaving |
| 2013-09 | 10 |  | noncurrent p90 |
| 2013-12 | 11 | assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2014-03 | 9 | noncurrent p90 | NIM <2.5%, assets shrinking, uninsured deposits leaving |
| 2014-06 | 9 |  |  |

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

- 2023-04-20 [Suspect in custody after allegedly robbing Central Bank of Belton - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMisgFBVV95cUxNRDNvb2lTaTk3ZV9aZy03bEdoZGpGMWJjT2Zoa01nNlIxUnJ5c3lEdF9BV2RwbXBKcG4wdThoam9CUTZZbEQ4ZHR5UjBXZWdqalNSeUFWSE8xeUhmajRWS19ldVBFOVAxN3dRejFzcloxVlJFNjVyQXFWOUJCb2pic3Q4WXoxOWJTdGw4dFpHVDRDOTFRUVlLcnU1RVo0WV9EZ3NkOVJYbmthWkRqcTRweGRB?oc=5) · KSHB 41 Kansas City
- 2018-01-19 [Evelyn Turner Obituary - Belton, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBkVWpGeUQ3c3hJMVdsSGl1VkdzRlZzWTZ2ZHF4QlZCMzNmVk9nTU1xekptSTVyd2hjdGc3aGZYUHNmNzVCZnFaRmh2Rm1WVGZoaXEzTW9ybXUyMU1WLTZuNS1fQ3dlNVItUFN6Z0lzY2hDMjBOeURlTzUzVk82eEE?oc=5) · Dignity Memorial
- 2021-05-26 [ARTHUR ELKINS Obituary (2011) - Belton, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQaThHTWhFbVB5LXdVWEo0WVhqSENNWk1GYU00X2NFRjRwX0d4Y1RtRUJraHJxcDEyYUNycEJJdHpHSWZUTXNOT0VDRmMyYzdYQ0FBN1ItTUVlWXNHYnNpMVdncjNpNHoxQ055WE9FeVpHcjgyeHpKVnBHLTNpTFhfNnBBc2p3TC1RRTZWZ2l2NA?oc=5) · legacy.com
- 2023-02-19 [Janet Sharp Obituary - Belton, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTFBISnFqcFRSQVRuaGY3cjcySjRTRTJpS0lYYWxCY3FxaEJaQS12dGdVa25GZWNINVhYd0ZhMldwYWJaZG13cVVmSEdxNGN5SnFNUURNTExvcGM0V291RnY0WHFKYWJFUGY0bHIyZXRRaFhBTDhnZ3dpcG1fSkdhQQ?oc=5) · Dignity Memorial
- 2006-10-06 [Kenneth Oehlschlaeger Obituary (2006) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNU3FUZDB3NFgxaDhnYTlsR0hRMmxidXVIbkxtUldob0FvRWdhdGdURlZ4RURSMXlWUTRQM2tJVGxCb2RVaVZJa3QwQTlIdUdJM0JvMk55aGFTT0hPM19md3FGanYtMzNEcV9DcjRsOWZYb0IwTEZ5dV8ycXl6QjNQZEJybXhLSzVYa1dJb0RoQUV5Vk1ZQnNyM2Jn?oc=5) · legacy.com
- 2024-07-02 [Joyce Callahan Obituary - Grandview, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOVG51TXA3cHlLR2N1T3dXQnRZMFlmRmp3N3ZBZ3hnMU5heXVnRjEtWjRDOTZiNGNWT3lveFJNOEY1WjhpRVYtRFpJT1VnZzJXWDhsZTdRTHZnMjJKU2RzcWJ4enR4VVJETFd1VFR3YXhpcHo5VzdZVEdKOVhkRlp2Q2lCR2w3Zw?oc=5) · Dignity Memorial
- 2026-07-27 [Barbara Dawson Obituary - Grandview, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNNkxxZEFib0FMbjNCYnp6TjZwcVowaDhZSmVGQTBBd2hvNUFyZzFhc3o4Zmp0VC1xSDhDYmlYMzJfd3E1NEZMQkRoRmtqVlhOSmFVOUM4Q3FMbEZWVTJpZTRMRU9uMC1YRXdGTkZQUF9PdkkzUzdsTXFIc2VCOWRFbjF1T3Z4QQ?oc=5) · Dignity Memorial
- 2006-01-06 [Noelani Renee Marron Obituary (2006) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQXIybjh6ZHpQc0JpVUhweVdiUTMwR2JIM3RCX2xadGhyMDk1T3BRYUdfLWNIV1c1TTRaalVhZy1nYWw5OXk5LVpVeEJVY2FKc2szTHJ2ME8zLVdDNndPNzF0ZWZWNm9FLUlFQXlfYlZhaFNYb2YwQXJHTWY5WGxGblpLTXg0VTNVYXhoWFhBblBOYnNRNlpDRg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1623 (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/23.json (key "1623", 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