# LA MONTE COMMUNITY BANK
LA MONTE, MO · FDIC certificate 16423 · asset band <$300M · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $44.0M | |
| Deposits | $40.4M | |
| Loans and leases | $25.8M | |
| Total equity | $3.6M | |
| Loans / deposits | 63.23% (p46 of band) | 65.69% |
| Liquid assets / assets | 40.64% (p55 of band) | |
| Uninsured deposits / deposits | 15.53% (p30 of band) | 20.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.33% (p10 of band) | 10.88% |
| Unrealized securities loss / equity | -6.42% (p76 of band) | -23.02% |
| AOCI / equity | -0.64% (p83 of band) | |
| ROA (annualized) | 0.43% (p17 of band) | 0.90% |
| Net interest margin | 2.71% (p19 of band) | 3.32% |
| Efficiency ratio | 79.51% (p76 of band) | |
| Noncurrent loans | 0.62% (p71 of band) | 0.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 145.91% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 45.30% (p69 of band) | |
| Auto loans | $549,000 (2.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 2 | deposits shrinking, assets shrinking |  |
| 2015-06 | 0 |  | deposits shrinking, assets shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-09 | 1 |  | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 5 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2021-12 | 3 | reserve under noncurrent |  |
| 2022-03 | 0 |  | NIM <2.5%, expense ratio p90, reserve under noncurrent |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |

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

- 2023-02-06 [Holding company merges one of KC's oldest banks into another regional brand - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZk9UQkFrQUpXV2wzLWt6V3QtZG5DSDA1MktTWFlGbU12VWlZX0RjZ0N3Vmdpcnd2RzY4VV9hMnZpYnBBNlVxVkwtY3V2YXVhWjNTbW9jV3NEMFVWbVdPa01QUjRlbVVsMVRieWJFblIxSDIwRkQ2SnZFdVRsMnF2T2xMbFVTVU10YVZ1VDVOaXNpdFZ3TlJBMjI1cVdoWERFX1h3SVloZXJrOTVSeXY4?oc=5) · The Business Journals
- 2024-04-03 [These 10 KC-area banks grew their loan portfolio the fastest in 2023 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNWjdfdVJTOXJ0THEzVU1iOFdYQ1pjcGJPU3NscnJVLVEtQ1hkMEFPV19VdXlCUndkdUpYOWs2WXVvTVVJMGNMa1BIUVgzVmNTenNTSjJORHpkbTZaUEo0bHB5Zl9SNmFYaWdBM2U4cjZSZEZGeVVKMEIzUC1hUU5DaWpkMU9ZUlhmQ0hlbUIyRDJBR1JzcG9hajRWNS1RQQ?oc=5) · The Business Journals
- 2016-04-22 [Perriguey-Merriott engagement - Sedalia Democrat](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQkpXNm5jR0FORmo1NDJXVFVoZ2NoU3JYdi1xN3VPXzE4UldlYURUVXUwVlFmVWdrQXYtdzJrTWlzbTh1bkNpVWlBMDVoVmlGb1h6RXItc3Ewa2V2M3pNYjFDOVEzM2RQTnZVY1RQU0VYaWFfb0kySjZuN1pLUzlUcw?oc=5) · Sedalia Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16423 (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/39.json (key "16423", 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