# BANK OF OLD MONROE
OLD MONROE, MO · FDIC certificate 1655 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $994.6M | |
| Deposits | $916.6M | |
| Loans and leases | $669.2M | |
| Total equity | $70.4M | |
| Loans / deposits | 71.73% (p28 of band) | 82.04% |
| Liquid assets / assets | 30.65% (p66 of band) | |
| Uninsured deposits / deposits | 21.01% (p32 of band) | 25.97% |
| Brokered deposits | 26.26% | |
| Wholesale funding | 26.34% (p97 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.55% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -54.98% (p4 of band) | -8.10% |
| AOCI / equity | 0.98% (p95 of band) | |
| ROA (annualized) | 1.62% (p71 of band) | 1.28% |
| Net interest margin | 3.66% (p36 of band) | 3.91% |
| Efficiency ratio | 46.64% (p13 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | -0.03% (p3 of band) | |
| Reserve coverage of noncurrent | 61163.16% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 335.01% (p100 of band) | |
| Auto loans | $1.2M (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## 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 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | brokered >10% |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | deposits shrinking | brokered >10% |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 0 |  | construction >100% equity, capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 | construction >100% equity | capital falling |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 4 | brokered >10% |  |
| 2024-03 | 5 | wholesale funding >15% |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | capital falling |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 5 | capital falling |  |

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

- 2026-07-15 [Obituary of Carol Jean Schulte - Carter - Ricks Funeral Home](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNQVctejhrQnFjUzBrQlZ6dU82SXBGYnJyc253NmZETkhXTWEwVHpPRXlESENwa0pPS051VEdzbXJ1cXdYWGlWQmY4ZWx4d0x4MEJCeTNoS21ZRDVPa0xXbHFyV0JiRWlyeDBkQ2hHaGJ3ckVMZ0wtNEwtMEtHSnJhdHpackRUNGlCdmpv?oc=5) · Carter - Ricks Funeral Home
- 2026-06-16 [Modular construction speeds up Missouri's first Cambria Hotel as guest rooms go up in days - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPX1EzVXNxNHhkWEh5U2ZHbTF6R1l1Y3Y2ZVdXQUtva3piZ2hZMHE1cjFOcmtmbllhZ3NJNnVOcGc3M1RxRnQ3RERLWGpUUHFmcTY2emhXQ2gxUFZGbmlNU2o5MVJMck9tRDZTY0tRZnB1SHlaY05QTnFaS0lhQkc4NVFBdDluSEdVSC01M21aUWt5Z0NnNVpWM0lJZG9mb1F3eklLVktVT1BaUQ?oc=5) · The Business Journals
- 2021-02-25 [5 St. Louis-area banks rank among 10 best performers in Missouri - KSDK](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOSUJTYjRMaDlyeHdXV0w5U3ZTOTVnQ1I1MjBnZTVlVS1sbkVVWUdNY29jNW1QRm12NU4xZ1lUc05nTDB2dVphN1BlU2NzRlN5U3NGSFRaNWhsZFNVdGlxUF9sd1c4R3VuMEFGbXNoNlg1b0s5Zm5PRnpjS1o4TDNreDhtRlU4NE1HQ3dzVlZkM1JYWEx3WGY0cjBGOExqYXU4S25DcU9hVlRJMUpNd0FkeGE4bi1XQkFwV2tzSkFsZ25XZ09sZ2xOYkEwS01QYU5LdHl0LW05bVN0VmpsSVBv?oc=5) · KSDK
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2022-08-22 [Lincoln County-based bank hires former state examiner as new CFO - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeVBIaHBBTDRDSzRvUUNVRnBFZmhPNlpGcmZpdUhWeDF4d3NEcTE4bk1DSE1XRHRvNUJSWkt1clFhbERUdkRlYXR6SmVVcWRyMnBackNMTVhIMHVFRGVCcm45dW14dVExV0NfQ0tjME9naXgzZFpROUk0Sjg1SW5ZZkN0azNJRVJ2Z2Z1eGdkNlE1UFB1RU5pZEI3UC1ER09VcjdXT1QxQQ?oc=5) · The Business Journals
- 2017-04-20 [Alex John Boschert Obituary Apr 20, 2017 - Baue Funeral Homes](https://news.google.com/rss/articles/CBMiX0FVX3lxTE16U3lzMXJNZTFFWVVFa1dkLXhUa2tTZTkwRkZIZ0xtR1hZajNBQU80THBMTUNYY0dkS0pxNmdGUGNUYnctNXZzU0pYNGxETk1hXzB2R1FYN2V0YVdSVG5Z?oc=5) · Baue Funeral Homes
- 2012-10-10 [Donald Kevin “Don” Dallas Obituary Oct 10, 2012 - Baue Funeral Homes](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5hOVNvQ2x2aU9EdF9kYVd1cVdFWG5FUHBNQTdyREgzZmlYN1o0NVlaRGhhMVJNSTB6Zlh3Nk1sWlBJeVhtTHY1bG40VWFyQ25Vek5kaXRwVGhpbm5RZ2x1amxrUkExUQ?oc=5) · Baue Funeral Homes
- 2021-06-02 [These St. Louis banks rank among top 25 performers in Missouri - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNc0k0cDc2OGJfWGg5T195Z3JfWTF6d05wOHZGdlgtdkl2YTlXWDZzQlgxYkkzcTNvSVpCOTU4U2JPRTMyZURMUFVleGUzLVdzUEE5SXlNSU9haGh0TXUxZjhpV0tzV2NOTmEwT0pIMWtENmhJY1V6TXREQjRmWXlhbkdUcU03NlBVSFB0OGlrdjB0eUh0enplOGd4MmUxQjVCTG52QkNOTmRIZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1655 (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/55.json (key "1655", 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