# FIRST STATE BANK OF JOPLIN
JOPLIN, MO · FDIC certificate 1652 · asset band <$300M · latest filing 2012-09 · 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 | $172.5M | |
| Deposits | $148.4M | |
| Loans and leases | $82.4M | |
| Total equity | $22.1M | |
| Loans / deposits | 53.78% (p23 of band) | 69.20% |
| Liquid assets / assets | 49.43% (p77 of band) | |
| Uninsured deposits / deposits | 9.05% (p53 of band) | 8.50% |
| Brokered deposits | 1.57% | |
| Wholesale funding | 1.62% (p49 of band) | |
| FHLB advances / assets | 0.06% | |
| Tier 1 leverage | 10.91% (p62 of band) | 10.13% |
| Unrealized securities loss / equity | 12.58% (p89 of band) | 3.81% |
| AOCI / equity | 1.24% (p73 of band) | |
| ROA (annualized) | 1.60% (p86 of band) | 0.80% |
| Net interest margin | 3.52% (p36 of band) | 3.77% |
| Efficiency ratio | 71.28% (p47 of band) | |
| Noncurrent loans | 0.46% (p28 of band) | 1.27% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 682.40% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 17.21% (p53 of band) | |
| Auto loans | $2.1M (2.58% of loans; DQ 2.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.6% | |
| Employees | 60 | |

## 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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 3 |  |  |

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

- 2023-03-02 [Missouri man sentenced to 8 years in prison for bank robbery - KTTN](https://news.google.com/rss/articles/CBMiigFBVV95cUxNamE0bF94TWlXa2pGX3dzS3Y4VWEwaE9NZmJsendXWFdLR2FxeHUtaXUyTTBJU1loa2lObzFYeHFnQTJWRHB4TDgtdk9GOEYycmpFNGpQRkEzTTNxelpQdmNQbDBuSlcxLWZMUzBONE1GV0FFMW8xN3V5b2c2OEpvV0RpZ2RiS3hiUnc?oc=5) · KTTN
- 2023-01-20 [Myrtle Irene Compton Obituary Jan 20, 2023 - Clark Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE5SMzlKczA1VTNLa2c1QUpQS3BISkJmX3NURkRoZWtXVzRZdzB6ZURUWk02dWE0M3JkeUdaY2JrMDl6andPRVlRTFlMYzBjSGlBS1NSLVExUkJxQ2Yta2tfM3o1ald4dzBUYlJV?oc=5) · Clark Funeral Homes
- 2023-06-20 [Alden Dale Buerge (May 1, 1951 - June 14, 2023) - koamnewsnow.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQLV9ZRkVLeklaTXVXRG1nRExCYXk0VkRDb0E4THhZaU5aN01pNVRKckpNVEMwZGYyZUUzQm1wMEpnclZxbnVnblpveG1CSk5IOTNDS2lSMDl5RnFraC1WR1FieHJDeXJCa3RfaVI3VzFUQ0t2Z25MdFFsWnVVM3ZnYUNyUkpLUmZXUDNSTU54TDA2RFdFTHNNaTVwZG9BNGdHMEtiRWtkZTBEOXdmVVhxYTJvYUdWWlJNYlBpYjRFWmJBbE15Z1BnVlFKTGg?oc=5) · koamnewsnow.com
- 2017-06-18 [Shelby, 1923 - newyorker.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9ZdG92SlpqaUMzbHdWMnFIS3BpbkI3VmtvaTVySVloTGVjMFdGNmR3MkFqSUdWY3ZhNXkyb2ZLRm1Qd1VpVXptbFdNS3ktT1pON1V4ci1mSVI1VjJCeDlDOW1RcVhSZFBv?oc=5) · newyorker.com
- 2003-06-10 [Carl McConnell Obituary (2003) - Oklahoma City, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOV2dkUUoxNzBXX2NMSWpYcHJGcU1vZHI2VWJ5bGxIdm1Cc0tTT2tVT29aekplcXBLRFRPV3U2SXJpMmdqUFJrUHhNZU1qYjZtUE5JVjZ6UjVoQUNrWjNSd1BDWWJRY3hVeEdoV00wcVppaXlBakVCMGMxMjZfbGRlRUs1TXQwalpYazRCYXRrQUg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1652 (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/52.json (key "1652", 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