# BANK OF KIRKSVILLE
KIRKSVILLE, MO · FDIC certificate 1635 · asset band $300M-1B · latest filing 2023-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $407.4M | |
| Deposits | $343.0M | |
| Loans and leases | $122.7M | |
| Total equity | $55.1M | |
| Loans / deposits | 35.21% (p3 of band) | 80.89% |
| Liquid assets / assets | 66.74% (p98 of band) | |
| Uninsured deposits / deposits | 37.06% (p83 of band) | 25.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.18% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.15% (p92 of band) | 10.29% |
| Unrealized securities loss / equity | -11.85% (p62 of band) | -17.38% |
| AOCI / equity | 10.25% (p89 of band) | |
| ROA (annualized) | 1.35% (p71 of band) | 1.01% |
| Net interest margin | 2.84% (p20 of band) | 3.46% |
| Efficiency ratio | 55.62% (p23 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.24% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 1283.22% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 0.73% (p4 of band) | |
| Auto loans | $852,000 (0.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -16.9% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 1 |  | reserve under noncurrent, capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2014-12 | 3 | assets shrinking |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 1 |  | deposits shrinking, assets shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 4 | noncurrent p90, reserve under noncurrent, assets shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | assets shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | charge-offs p90 |  |
| 2020-06 | 3 |  | charge-offs p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 4 | charge-offs p90 | capital falling |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 4 | expense ratio p90 |  |
| 2022-06 | 4 | AOCI drag >20% of equity | expense ratio p90 |
| 2022-09 | 4 | securities losses >30% of equity | reserve under noncurrent |
| 2022-12 | 4 | reserve under noncurrent | securities losses >30% of equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity, reserve under noncurrent |
| 2023-06 | 2 | deposits shrinking, assets shrinking | NIM <2.5%, noncurrent p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |

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

- 2026-03-27 [Bank of Kirksville disappears, now called Equity Bank - ktvo.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNclZpV2xBeW1fMW5pTkY5c0I2YThpRHV3ZEpBT00ySHZVeTVXeU43MHpvUk1rNHVna1ZCbVBWQ1NvcmQ2SGdpNFVvbGFtMU50WkpTOGZ3MFZaQmEtS1V2R1ltd3RYaTNiWnJTeHZmM1hVZW84cm0yeTB5RVd1a205YmdscEtwWkdFYnVFYlJSSkktY0t0YTlzTHVCVEszNW1sZ3prWEF1RFc4YW5UQW1BeUNCVDFfWDBycXB6WE9uZV9JWElSenVkcEtLX1ktLWc?oc=5) · ktvo.com
- 2024-02-12 [Wichita's Equity Bancshares adds 8 Missouri bank branches as latest acquisition closes - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWmg1N3NuZUhkaTF0bzR0LUdNY0Q4RWYybTlad2hVdkNYZmxkd0hXLWdNdTJZbVlVWWoxb1dUUEJMcjYwcWFiZGZ4cTczeFVmYVYxb054YUtXOEZzVFl2YlZlUlNmb3hYclljZXNqYTdhVzdGUGo4MkVCRkdGalh1Mnhkc3M5TWJIRGpZXzBkOWxEY01FQzdfVjBINlBqX1V6SW5wZFQ1eHgxTTg?oc=5) · The Business Journals
- 2025-04-20 [TURNING THE PAGE: This Week in Local History - Kirksville Daily Express](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRXpDZ0JpcWs4cVpLczE2aFNzNDlqcUwzVVZjc1ZLNnJpMm5qYXo5UlZlT05vRkVMSS1WdUNUYURhY2x5bEMycHR5VkxLVEZ4cXFFc2NMNzloRm1MelNwcUhCOFltdjlfS3Y1dDMwVW1uWkxwTVg2ZFdSNldyNDRqaFRWV0tsU2E3VkEzOHRUb2JSSFhQUHJRdm5rUXM?oc=5) · Kirksville Daily Express
- 2026-07-02 [Carol Corrine (Jones) Blacksmith (March 27, 1934 - July 2, 2026) - Travis-Noe Funeral Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxObFlMamNDWWw3TWNYNkZBTU1sbEVjM3lMdVNnM1IzRlRZc1h1SEw3UDBHellQdUhva19DS1dObGdsMHZfNGI5X2JFMFE1aDNvOHZnY2x0U2xJQ0pHNktST3dzbnZlaFI1LUh4XzVHbFhVb3FweHp3cW1LZnlieFJvcGc2SQ?oc=5) · Travis-Noe Funeral Home
- 2024-03-20 [Equity Bank divvies up its Missouri footprint with regional CEO addition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdHpUUUZHRDZ4SlA2V2YyMzhWdEpUMVFQREk4akdKNjJfbmxzaXdvTUtTTVhtXzhzRVhBdjdta1Fpem9JSWowdTRUNUVUdFpFLTVYZzU5THVxeWJxS3pBWmlJMUdBNUM5S0xqeEprSEFQZWdTdkJ5Qi0wMTctWWVvWFBhOGJ0QlZMNFFKT0JzWjItM2Z2LW5hRWlvckhxS1VNd2xpZ3EyM2hHdw?oc=5) · The Business Journals
- 2021-02-02 [Couple arrested in S.E. Iowa following crime spree that started in NEMO - KGAN](https://news.google.com/rss/articles/CBMiowFBVV95cUxNV0pCQnRFS3RDN3JTazBBVUJVLWJGUlpKdjE4UHpDMFhPUG8tdnhDaGVRT2s5WlJ4MDRub0pNOTFObWxEdUNXYWQ0RGxqckwxQmV5dVVaM0FCYW5IRDZLSTNmXzZjdWRBRlNGYW5mT1lTei1xVHhROVQwdm9LX2pKU1E1WWNPMXVXaE5adkx5VFZUNkNldnR6ZXd2S19DdV9ncHdj?oc=5) · KGAN
- 2026-02-15 [Patrick "Pat" Thomas Kriegshauser (June 9, 1960 - February 15, 2026) - Travis-Noe Funeral Home](https://news.google.com/rss/articles/CBMihgFBVV95cUxQS2NnNVhMYnY0YUVSVmt6cDNmZDlhX29EQnZaZFZ1ZXc5blE0VDNyVmI2VzVrWEFBLWlISXNSNE5Yb3dlbmdtM2VjSmc0Q1psd05VVV9QekFXenl6N0RoOFFGZzZEb1ZLNFlHbXR4cDh3SU5OdkZ0ZHRJNlUtOE9vU0prcElyQQ?oc=5) · Travis-Noe Funeral Home
- 2022-12-07 [Barbara Josephine Conley Obituary (2022) - Kirksville, MO - Playle-Rimer-Millard Family Funeral Chapel - Kirksville - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQQXpudlU1YVUwdWNrelhna3hTOXBzOFVYeFZEdlRsQzNjYWRVWml1eWppNU81eHhIc2hQVUVLZTJiVzh4VnlyV1NlX3JyYnVwdWRCbEE2dTNiRUNzOElpaTlXMVFnRGVFY3NvRXljckhWNFRpRkJHMjBFXzd5QVk1MGs0bw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1635 (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/35.json (key "1635", 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