# PROVIDENCE BANK
COLUMBIA, MO · FDIC certificate 1643 · asset band $1-10B · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.04B | |
| Deposits | $870.3M | |
| Loans and leases | $817.2M | |
| Total equity | $138.4M | |
| Loans / deposits | 92.41% (p82 of band) | 78.58% |
| Liquid assets / assets | 13.62% (p10 of band) | |
| Uninsured deposits / deposits | 21.12% (p23 of band) | 30.21% |
| Brokered deposits | 3.87% | |
| Wholesale funding | 6.55% (p64 of band) | |
| FHLB advances / assets | 2.67% | |
| Tier 1 leverage | 12.08% (p87 of band) | 9.59% |
| Unrealized securities loss / equity | -0.35% (p31 of band) | 0.45% |
| AOCI / equity | -0.25% (p75 of band) | |
| ROA (annualized) | -2.90% (p0 of band) | 1.23% |
| Net interest margin | 1.73% (p5 of band) | 3.23% |
| Efficiency ratio | 93.74% (p100 of band) | |
| Noncurrent loans | 0.45% (p48 of band) | 0.47% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 354.49% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 50.17% (p59 of band) | |
| Auto loans | $1.4M (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $38.3M (28% of equity) (p96 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 171 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | losing money, charge-offs p90 |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 |  |  |
| 2012-09 | 5 |  | deposits shrinking, assets shrinking |
| 2012-12 | 6 | expense ratio p90 |  |
| 2013-03 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 4 | charge-offs p90 | expense ratio p90 |
| 2013-09 | 5 | expense ratio p90 |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 2 |  | losing money, charge-offs p90, expense ratio p90 |
| 2014-06 | 3 | expense ratio p90 |  |
| 2014-09 | 6 | capital falling, losing money, charge-offs p90 |  |
| 2014-12 | 6 | loans-to-lenders >50% equity | losing money |
| 2015-03 | 3 |  | noncurrent p90, charge-offs p90, loans-to-lenders >50% equity |
| 2015-06 | 3 | loans-to-lenders >50% equity | reserve under noncurrent |
| 2015-09 | 0 |  | expense ratio p90, capital falling, loans-to-lenders >50% equity |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2016-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2016-12 | 1 | capital falling | expense ratio p90, deposits shrinking |
| 2017-03 | 1 | uninsured deposits leaving | capital falling |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | expense ratio p90, charge-offs p90 |  |
| 2019-03 | 1 | capital falling | expense ratio p90, charge-offs p90 |
| 2019-06 | 1 | expense ratio p90 | capital falling |
| 2019-09 | 0 |  | expense ratio p90 |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 3 | loans exceed deposits, capital falling, reserve under noncurrent | charge-offs p90 |
| 2020-06 | 2 |  | reserve under noncurrent |
| 2020-09 | 2 | reserve under noncurrent | loans exceed deposits |
| 2020-12 | 0 |  | capital falling, reserve under noncurrent |
| 2021-03 | 4 | losing money, expense ratio p90, NIM <2.5%, assets shrinking |  |

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

- 2020-09-28 [Providence Bank acquired by Illinois-based holding company - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQRUwtUnBhOVNGYWNNY2lNWDVxSy10TFY5UmphVVhZaUcxSXA4Z1ZOZmdxaU1VRXZtZi0wOHdUYmZZRHhvQlJXSlBkU1huZU9uMFJPQ1BuRWpraG9jTGhPSHhDYUZsVmo1bXp1dTQ3b2UxeG9mRFhzNmpsWTJ4WVN1Y1IwTlQ5QzMxN2VhNkRvSG5ZcDVHN20wbmQ0V0Z4TDFCV0FyT0hzcUcwaVFZN2lCQjFBdmlHUURVM0RYQ1JhU3RSX3ZPZnBHQw?oc=5) · Columbia Daily Tribune
- 2020-09-28 [Illinois bank grows in St. Louis with $145 million purchase of Missouri bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQV0pEaWNSSzh0ZTRlclM2UW5uUjJIcU01YkVNVkV0TXI1YmQ2ZWsxZTlhR0xOQlVSMkJTOXVTTjhTZGtIeVYtaVNMb2dIOUZUTEt2UDItdDJpcDhEQ0ZkbFVWQ3BlUE1LaG45REc1Q09keDBCME0ybVI2U0IweFFJSVlRZUxuN0NUbTJqT1ZBMUNKeW9BZ0RGeXd2c18xWHF3WnhwRUpUal8?oc=5) · The Business Journals
- 2011-01-07 [Providence Bank evolves with Premier acquisition - COMO Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxQZzRaaVJiZmNiYV96Y0U3cWZCRjltMVIzZTVyZ3diUUFON2F0emRFQ3llZ0VQV2wzeTF1UVF2ZkM4c2drdkRwSUpyU1ZPbnVtaGJxZFFRVzcwbzZMVmZwQlBCc0hXSkQxcm00aS1JcnV6RWkwVG9VemdRV0dFUDNiUDkwNURyR2c?oc=5) · COMO Magazine
- 2020-09-28 [First Mid Bancshares and Providence Bank owner to merge - Illinois Business Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxQRHRBdFVqQWw5UWI3Q3lmZlVJRng2UlN2ZlNWU2FvQVhJdTNMMTU3Q21SUTZLcVMzZWJnOHVlajk3amYtX0cwbkxnMS12TUZISTdNMkV5VWJKWUZuVVFqa0Y0MVFHUHRnamlxU0lETGZtWTFxLXNrdXFzVUxUOUVkbVo0TTNBM1ZhUjI0YllNc2RERko3dWxQZTZndmdVdw?oc=5) · Illinois Business Journal
- 2023-11-07 [Karen Dickson joined Providence Bank as an assistant vice president - St. Louis American](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPUmhFRXBBcjgtTlBFYlQzUTBiM0dBWjVHSG1IM2J5Ykp1MjZiZ3NPUTBjRmRXOWNER2ZIOVhKSThWdlhQTk9XbG4yQjBtRXRBX3BDalVoWUxjZjVnQlZWVEhpMmkzTUZVZW8ySWhoajBybHN3NTNxb1p3VG5hRTRzZlkxVDBjT3o3bVRIX2JSSUpGdVFVRzU3V2NLR2VSQk5pczllUGFlRDJ1d1l2SEJtOXhLeXFoa19Fc1dySUhneGpaUQ?oc=5) · St. Louis American
- 2021-03-21 [BizBeat: Providence Bank sold to First Mid Bancshares - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMWVabGRkeXFhaFdmSjVUZXQ3bnZOb2RBVlBIdjVMNy1WaUZBSDFXbW5uR2YyU1BMa3Z6VllhdnhHa2plRXZaMFg0RHJQT0VRLWIyTDlfcWE4MFRrLVEzNGxQbWtYdGFOVXhyQjAxNkJ1eWwtU2FCZDhzS0MxRmR2MzU4ZlVmbmFhWUtzdlhEc0RZRUx6NklfTjhwOA?oc=5) · Jefferson City News Tribune
- 2021-02-22 [Providence Bank (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeWQ3NkJ0SHNpQ0pVaDlGMWdybUpYczNSTVUwUnMxMzZnNUdKejA2TEw2c0hnd3otMGFCN2pPNGxhNGl0eUhYZ3BZUEdvRHRNTkdnSlJhamJTVkFaaloyOVhFQ1lBMjU4WldxZGFtUnpDM0Y1ZFpWM2JLTUdiR3JSdQ?oc=5) · SmartAsset
- 2010-10-15 [Premier Bank taken over by FDIC - KRCG](https://news.google.com/rss/articles/CBMibkFVX3lxTFBQS3pxMWhqTEV4cUt1T3lVLTNtbkJjNW16N2lTS0Mzd1o0a2Q2TGN5UzV1UENpMmdST0dUTDhHbl9PV3hZd2c4cmlhYXVWd2RNRDhEWDVzaU9sNmN3SjM3dDZFWDRzZlVqa0wxa3p3?oc=5) · KRCG

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1643 (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/43.json (key "1643", 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