# PEOPLES BANK OF THE OZARKS
NIXA, MO · FDIC certificate 1650 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $264.4M | |
| Deposits | $217.6M | |
| Loans and leases | $181.8M | |
| Total equity | $29.8M | |
| Loans / deposits | 83.36% (p72 of band) | 71.36% |
| Liquid assets / assets | 24.26% (p29 of band) | |
| Uninsured deposits / deposits | 8.63% (p31 of band) | 12.72% |
| Brokered deposits | 4.15% | |
| Wholesale funding | 10.20% (p84 of band) | |
| FHLB advances / assets | 6.05% | |
| Tier 1 leverage | 10.06% (p42 of band) | 10.52% |
| Unrealized securities loss / equity | -0.14% (p34 of band) | 0.17% |
| AOCI / equity | -0.08% (p6 of band) | |
| ROA (annualized) | 0.16% (p12 of band) | 0.81% |
| Net interest margin | 1.02% (p2 of band) | 3.65% |
| Efficiency ratio | 60.67% (p20 of band) | |
| Noncurrent loans | 0.91% (p52 of band) | 0.86% |
| Net charge-offs (annualized) | -0.02% (p13 of band) | |
| Reserve coverage of noncurrent | 23.40% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 75.62% (p91 of band) | |
| Auto loans | $1.8M (0.97% of loans; DQ 0.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, charge-offs p90, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 6 | reserve under noncurrent |  |
| 2011-12 | 5 |  | reserve under noncurrent |
| 2012-03 | 4 | reserve under noncurrent, deposits shrinking | brokered >10%, losing money, construction >100% equity |
| 2012-06 | 4 | assets shrinking, uninsured deposits leaving | wholesale funding >15%, reserve under noncurrent |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 0 |  | charge-offs p90, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-09 | 5 | NIM <2.5%, reserve under noncurrent, deposits shrinking |  |

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

- 2020-09-08 [2020 Trusted Advisers Banker: Scott McDonald - Springfield Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE9RNjJVekhhVXdCMGJPcjFZUTZFN2dybHRIRXY5OXI0R2pSWTJVUTBzbEZhUDR4aXkxa044YlFyRm16ZjRXV3NFY2Ital9LRU1aSnVSQmF6YmFiWE9VODdJVFhQY1V5Uk80a040UERUZjd6bUlXTWo2N2tMUmtQQQ?oc=5) · Springfield Business Journal
- 2024-05-04 [Business in brief: New crisis counseling firm launches in Springfield; Moxie gets director - Springfield News-Leader](https://news.google.com/rss/articles/CBMivwFBVV95cUxPYjVkMkd3aTZoM29DOFVzdHFRMmF1M0tMb1lRd29hTHRkZHZ3aWl1QkVJTVdFYms1a3FDV0xuZUZSVkNCWjMtWGxNYTdqbjJFemIwcUxSaEhDcXdPTlI2cFNRMXVGQ2VLeElnVXRVWTZueG9RTFNQd1Z2MGxzYmpMZlIwOGV1QTdBbDV4ZU5mejJRa1lZcUo1NUxCSjkxWTA2d2lfenNvNmJNZDRoYlVuRTFYblc0ekVLNGJ6Nl93QQ?oc=5) · Springfield News-Leader
- 2023-06-23 [Open for Business: TelComm Credit Union - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE9CWlM0Sk0tN3RrSVNnZGxIQ2c3TFVaQ1JhUlYwSDlKaVZOMFVmWHMtZUxhbG51R0VXdl9FZlVnZUtIQ0tIUlE1U25fTDNBV3Z2d3U3Z29RaXdrZVBTQkE1MF80UXJsaFBwakd0a3dVWWotQ1pCYkVF?oc=5) · Springfield Business Journal
- 2009-06-23 [Library Board acquires land in Clever - Christian County Headliner News](https://news.google.com/rss/articles/CBMigAFBVV95cUxQbUUxQ1RpeEl3LVZtUndMMjc3V3F3d3pnZXRkR2s1NW5PUjc3UTRtNktKVDZlckhuSElWNThpT1lhVkVTcGJLZ2YxOExJMzFheHdPUUtZM21lVmJuenJFWDJKTTZLRm1Hck5BNmV4RzhXdXczLW9QRS1XbmR0Z3BJMw?oc=5) · Christian County Headliner News
- 2011-08-05 [Logan McConnell Obituary (2011) - Brookline Station, MO - News-Leader - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQSHY4VU9FQ1lveUoxeVg4VU8tMnp2Si1KdnhIRC1wNmhYYTN3SnJ2SXJ2TWVhYWN2VFNXZUc0ZE5JNDVjV2N4dHBOUVdmWXA3TzVtVEVwR3NZOHB3RnJXTDdLUWFBLTFKTG92a2hnMmFNTG5Xc213SEI5RlRWTnB3aGNTNEVMNFVSeHJJbVJBb0h5MXhx?oc=5) · legacy.com
- 2025-03-07 [40 Under 40 Alumni Spotlight: Robin Rees, 2008 - Springfield Business Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE8yVkVTanpZT1MySjV2OU05QTFCVk5hQ3o2djlELUhMOUYyWWlWVTJoMmJKM05IMEpvLVFiUGE3emY5T2I2QVUwcE84dm5jRWV2YmZncWxWZjFJTFBxWHl6UVUwN0F2SkxJbXZCRFVMbElpVHp0NDFaWHA0NXItWHM?oc=5) · Springfield Business Journal
- 2010-01-05 [Local historian names county’s 25 oldest existing businesses - Christian County Headliner News](https://news.google.com/rss/articles/CBMingFBVV95cUxPd3gzblhSbkUyRFBfUERHUF9aa2xWQU9tVTlhVW1JSG5ILW5WdzFYWUtNdFAwMWNSUTEtQVBCTk9Qb1BRWFY2UFU0ODc2WW5qZnFxLVQzVnduVldacXFKRFI5MnB2YlZuNUk4LWFPc2Y4Q3J6bHZNUmRDcXFPMG43UGdyYmVRTDY1cDFHc0hmR0dlX1JhQy16SExTTXE4UQ?oc=5) · Christian County Headliner News
- 2015-09-14 [2015 Trusted Advisers Banker: Karen Hall - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTFBaSWF4YnBnZF8yX2I4TldzWXdLal9IMlh3bDBKMVk3eG02Vzh4dHh6Q1FHZFdUTmF0a2h0bDNJZTBvRE9WUGh6ZjRjRTNoX3JvdjhtYjJjSlFMZTdkajBibTNfdkc1dHFQelRmc3BkRHR1RXhnTFNJ?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1650 (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/50.json (key "1650", 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