# NEIGHBORS BANK
CLARENCE, MO · FDIC certificate 16247 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $115.6M | |
| Deposits | $82.1M | |
| Loans and leases | $89.8M | |
| Total equity | $11.4M | |
| Loans / deposits | 109.04% (p96 of band) | 73.59% |
| Liquid assets / assets | 15.57% (p13 of band) | |
| Uninsured deposits / deposits | 18.13% (p44 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.71% (p88 of band) | |
| FHLB advances / assets | 12.71% | |
| Tier 1 leverage | 11.06% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -7.11% (p48 of band) | -6.57% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | -3.84% (p2 of band) | 1.17% |
| Net interest margin | 2.53% (p5 of band) | 3.93% |
| Efficiency ratio | 107.44% (p95 of band) | |
| Noncurrent loans | 1.38% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 21.45% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $89,000 (0.10% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.1% | |
| Employees | 339 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | deposits shrinking, assets shrinking |  |
| 2016-09 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 4 | capital falling, losing money, expense ratio p90, NIM <2.5% |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | capital falling, NIM <2.5% |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | losing money, expense ratio p90 |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 0 |  | deposits shrinking |
| 2019-03 | 2 | losing money, expense ratio p90 |  |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 3 | capital falling, losing money |  |
| 2019-12 | 1 |  | capital falling, losing money |
| 2020-03 | 0 |  | expense ratio p90 |
| 2020-06 | 2 | NIM <2.5%, uninsured deposits leaving |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | uninsured deposits leaving |
| 2021-09 | 3 | expense ratio p90, deposits shrinking |  |
| 2021-12 | 3 | reserve under noncurrent | expense ratio p90 |
| 2022-03 | 5 | losing money, expense ratio p90, assets shrinking | reserve under noncurrent |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | reserve under noncurrent |  |
| 2023-03 | 5 |  | NIM <2.5% |
| 2023-06 | 3 |  | deposits shrinking, assets shrinking |
| 2023-09 | 2 |  | reserve under noncurrent |
| 2023-12 | 3 | reserve under noncurrent |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 | loans exceed deposits | losing money, expense ratio p90 |
| 2024-09 | 3 | wholesale funding >15% |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2025-06 | 2 | loans exceed deposits |  |
| 2025-09 | 3 | capital falling, expense ratio p90 | loans exceed deposits |
| 2025-12 | 4 | losing money |  |
| 2026-03 | 6 | loans exceed deposits, NIM <2.5% |  |
| 2026-06 | 5 |  | NIM <2.5% |

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

- 2026-06-18 [For the Third Consecutive Year, Neighbors Bank Is One of America's Top USDA Lenders - Morningstar](https://news.google.com/rss/articles/CBMi2gFBVV95cUxON3EtQUdoTVc4dWRqYVpTbHBHV1o0VkxRblNjMThUWnl2OExLeElWZl9DdTJFREx0R0IyMTc4NjNWdkF4VDdhOWlCaHJWT1cxaFZpRThhM1Z6Q2NXeFFPY3JrVFZsY2wzMlRPd3JnN3BmNnE2ZmI3RjBrelV4MEM1ZlNJbWZOZnFKdFVPR05QTE1fTkpqNEtxZTB4VGpTcW1QOVA0TWF0aTZyZ2V2U2M1MWxWbXFHVDI1QV9rOTVfeFpxdDdSRTlFWi1DYk94WlJKLW4wZV9jaTNPUQ?oc=5) · Morningstar
- 2026-08-11 [Neighbors Bank Named to Inc. 5000 List of America's Fastest-Growing Private Companies - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-03-04 [Property taxes, insurance now account for 21% of mortgage payments - HousingWire](https://news.google.com/rss/articles/CBMie0FVX3lxTFBwZ2Q0Qjd6bk9LUWJFdHZpMnBTWGJISXhheloxYWNWbDQtdXN6akFDZ3EzclNZYjFvWGNUT2tqQUM5ZXdlaWJwY00tQzE0aEl5c0dNY1I3ODNPYmVlb2lIM1JvYWROdTN0NzdHSVR2bTk5TFkyXzc0dEhWdw?oc=5) · HousingWire
- 2026-04-02 [Wichitans have big bite of taxes and insurance taken from mortgages - Times Record News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQSjBEYWkwRGZuX1pyYS1Ra2c4WWZ1VTB1NkVqVC1HUVNVR0NfamlycE50U0dCTlJYdE1MLVpIUzBFeVFkV3M5Q3FCY0IzYmJSVHBrQ0pfcW50a1ZBZVBPQnh5TWJOdUhUMGc1dVNUMjR2N0VQQVBlX2g4SHZJSF9kTFp3ZkJxZ0p6RV90RGVTell5OTVSSHBSOWVtdjkwZjJzT0ROc2tOclJ0ekV3MW91UHVZV3llSVdvVUVHZk9DN1J4NGlhOGZHVDlsT1RWY19nQjlUYjV3Y1Vjdw?oc=5) · Times Record News
- 2026-08-05 [Neighbors Bank Launches Neighbor of the Year Campaign to Celebrate the People Who Make Communities Home - The Manila Times](https://news.google.com/rss/articles/CBMiiAJBVV95cUxPd21VbUhoZmtrNU1jT3FyeDBsTmNQVEtyTFRSUmlEX0VBdHphWlVvMWhjb1VFNWtSNFR2Y0tyb0NWQmtBNHl6dDZWZUxFckJqQTRQTU1hNk5TZW1QVE1sVFgzMEhVSFZZZGlyVjBfcF8wbmpnM3pLczJQTEVsQThDWENZLWY4ZHFfVFNkT0R2ZGRiUlZuMkJ3ckl2S2tSNUdfVVhLekJMM0ZWdnV2TXF2bHBjT2Y0U3lTZTQ0S0V2UlZfTkkxT2xkMVZsamtFR0NRRjU4bWs2SzJRNDVNU3lZTV82WG9lR0tVNnZSLVVXMk1OZVZVaWxTaHZ3bDl1M0c0czd0MzZCZW_SAY4CQVVfeXFMTlExZ0lwbHYwZ3ZRTTVjZUFjLW90NU8tdkpkVUdGVk1xWEc2cGJ4UFlNNFp6dkt1WlotRU8yUVdkYVFHV290SkFaVmFoVk5zdWJZaVg1NDdIaXRsaGZCdDB1YzB6dXZ0RGE5OEpBVEhWMXFXRlFlenVmN1RlVzYtTk1NZTBCLVhBcnZJQ2xjMTJQRzNUTnlEOXNnOXZSaDZGc3FmSklNNG90TjFrbmpmQ1MwaFNGVDhfOUVVNzFyZHFGdTFMdVBxb2U5cERPRzZaY3lhbVNTa2dCQ3luVV9DdDdFUVRYbmF6XzNRcFNGLTl4b0FXeTlEY0FxOTZyRXROVmJGQU9waERibzRSbGln?oc=5) · The Manila Times
- 2026-07-15 [Why The Midwest Is The Go-To Destination For Affordable Living In 2026 - islands.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9pRUxuMmdFd1BLU0pvYXZ1aEZwZjZmYlBUcnVVTkZaRi1xQnBOLXZkRXREdVh6ZE5pbG13U0wwM3NITHBQUDZwWUczM3RjNE52OVQ4TFpQcHkwZjhKUWRBV1lrRVZYNXFFcm0ycXVsX2J2UXgxRmdZaVJyNVRLdw?oc=5) · islands.com
- 2025-07-10 [Neighbors Bank Reveals the 10 Best Metros for First-Time Homebuyers in 2025 - Yahoo Finance](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSVA3NjAxbC1SUTNienEyb0dWYy1FM0tUejR1TmxUdW1UbWl4WDBjeElVUnFmaDNJOUFFUWxKRU9TUmo2MndzM3V1S2tXZW9FOTRMWGFVak9PejRlemRyZzhtY3cwWVF2dDVuYlNfUnd3SXQ5cTVrREljLXUwS0l3Y0pn?oc=5) · Yahoo Finance
- 2026-08-22 [Is the Central Coast a good place to buy a home? Here’s how 2 local cities ranked - sanluisobispo.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9KV2NUQ2hJVzRfdXE0Q2dWamZvbUxhcGFQMDcweGc4VENWTEJkTGpxWWN5MWVxWlBCX0tSb0E2ZDVnMVpxZktldUJDamszZ2xLVC10X21ydnlIUWVaaWN6dTROLTAzZWFtNHR0NDg0Y9IBb0FVX3lxTFA5WmpTQTNmQ25IUEhfQWU5eXRQYlUxSFNNQzBELXktMWM3WllWQ1lmOEk3WHNiLUktQmtURUtMaVlfWDdwVnlmZHZOOHd5b2xkcVJPenVKcW9SZ3loX1dqbFZMVGFtcjFzSzdBeUlhOA?oc=5) · sanluisobispo.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16247 (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/55.json (key "16247", 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