# CENTRAL BANK OF BRANSON
BRANSON, MO · FDIC certificate 16924 · asset band $300M-1B · latest filing 2021-09 · 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 | $554.3M | |
| Deposits | $461.3M | |
| Loans and leases | $256.8M | |
| Total equity | $44.2M | |
| Loans / deposits | 54.56% (p20 of band) | 70.11% |
| Liquid assets / assets | 52.68% (p87 of band) | |
| Uninsured deposits / deposits | 34.01% (p74 of band) | 26.09% |
| Brokered deposits | 0.82% | |
| Wholesale funding | 9.29% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.85% (p7 of band) | 9.79% |
| Unrealized securities loss / equity | 0.26% (p37 of band) | 0.82% |
| AOCI / equity | -1.33% (p44 of band) | |
| ROA (annualized) | 1.11% (p43 of band) | 1.18% |
| Net interest margin | 2.64% (p13 of band) | 3.35% |
| Efficiency ratio | 60.10% (p43 of band) | |
| Noncurrent loans | 1.29% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 151.37% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 65.93% (p76 of band) | |
| Auto loans | $9.2M (3.56% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 36.0% | |
| Employees | 65 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent | construction >100% equity |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | assets shrinking |
| 2015-03 | 3 | construction >100% equity |  |
| 2015-06 | 1 | capital falling | deposits shrinking, uninsured deposits leaving, construction >100% equity |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent | charge-offs p90, uninsured deposits leaving |
| 2017-06 | 1 | charge-offs p90 | capital falling, noncurrent p90, reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, capital falling |
| 2019-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |

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

- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2017-05-13 [Crowell named mortgage leader at Central Bank of Branson - Springfield News-Leader](https://news.google.com/rss/articles/CBMivAFBVV95cUxONkVaTVEzUXpSSG92THFQaHRNSlI5Vzd3V05UUVI2NmN1bmgyaERSSE15WklaNWlGUTV2RU10SEFwTmpjOUFpNHA1TjE0RUFrNUVKM3lma1ktOE9INzI0RG5vaUFfZjd2M09wMlpvbzFTdFlsTFB0YUZNUHVjSmJ5ZEx5aGpyU2stNE5JQ0V6UEtjZTQzTGdjY3BiQmFpRFE0Z0J1N3VfejhBZmxRaDgzVjRzQVBrdDctNW5qdQ?oc=5) · Springfield News-Leader
- 2022-06-07 [Central Bank of the Midwest signs nearly $4M deal to become official bank of KU, plans to open branch in Kansas Union - Lawrence Journal-World](https://news.google.com/rss/articles/CBMigAJBVV95cUxOZzhiSHl3OHlkZWYxZGcxUUpYdklqNGtnRkIwcWFWNzdGWGEtWTlBMm1iSHBPZnNyNHhPUTJvYllhYmx0Q1ZSWkI2djNOaE9BT1pHN2I1ZTliTlFFZVltemk5UTA4UjlZeHF0VHdBQ18xY1M2WjZ1Q1hoSnBMMy02TnRqMGZBTXZzYjE3OUg5VFhMdktmUDd1aWVmblp0dWZTNnc3SVEyd2UzdDE3YTdDYWlJeUdBZ2FsNmtNdWdYOTlTOFl3cThMRW1IWVVXd2x0M1hHSWRUN3QzZEN6TDR5R2oyRTVfZXhKUXhEZ1JmMUhLZ2V3cGhPeDRLMHVPc3ox?oc=5) · Lawrence Journal-World
- 2019-04-12 [Central Bank makes a $104M buy in KC - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN2ZPbDl1TTdCa1V3M3ZQbmVYcFlKVC15LUpDRmJEN0ZlVlZBTzZBay1hbGVYdUlZZ3ZqYlNwZi1zM3Z2d1lIeTFHNHkxSkhkenBJaDlZNHMwTkUyREg2eVhQQ2gwYU02eGRBU2FnTnlwVnU3WUI3ZEZ6UmExc0VUZ25LMUFqOF9NMkh1LWFINnRQaTZCY2pR?oc=5) · The Business Journals
- 2023-04-06 [Free shredding event happens Friday in Branson, Mo. - KY3](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZ21BTW5rTm0wRnFMZThUWGxSTFcyaFFnX1luQU54dWZNYTBOcUI2czhocHRXcTYwM2dhT0JUX0lBcU1yQVE3bXB1cTJPdk52d1RTaExQRGt6WThtNHdfcmdXeVE4TnpONWJtR2FUNmJteVV0cUQ1NjVHRk9ScHdSWXVCZWjSAZgBQVVfeXFMTXFGaTJ3MHVxRFpVaHd6amtudUxiTlNtbUl1RWRCd3NCRW93Vk5LZkliLVhqVmVpMXlEQ0FQaHBZRG9JRFFOdERObVhsOUNnb0lFZld3OXQzcmVleU0xWWxaY18ta2IwWmluaHdWUGlMWUFIbW1iWUZ5ZHNxREdjSHQ1aV9BR190ZmdLdEJiNFRCOGhGZWowcEw?oc=5) · KY3
- 2015-09-14 [2015 Trusted Advisers Banker: Karen Hall - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTFBaSWF4YnBnZF8yX2I4TldzWXdLal9IMlh3bDBKMVk3eG02Vzh4dHh6Q1FHZFdUTmF0a2h0bDNJZTBvRE9WUGh6ZjRjRTNoX3JvdjhtYjJjSlFMZTdkajBibTNfdkc1dHFQelRmc3BkRHR1RXhnTFNJ?oc=5) · Springfield Business Journal
- 2024-09-29 [Branson Teacher Nabs First "Out of this World Teacher" Award for 24-25 School Year - KRZK 106.3](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOckkyUVhGaWYtSHRhd1BTd2ZDQW5WVzgxWlhCR2lZbmc0cXk5X3J1LVJ1czlOWmdhOW5JLTdPUkJOQW5MMHo2VVRCMWZ6VEJ5LUUyUFBLMUwyUDJFSjlyWmZCdmZ4eldrMkZUMGFkZldod09OZ3NJREZyZTNPYVBMcEoxaGlEcURRcFVYclNoNzFYbFM5V2ZkNzQtZlNFdUFWTndvaS1yMVRVb3dyU2RLeXNFcm94YWxQNHBxSzU4Z1ZpQQ?oc=5) · KRZK 106.3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16924 (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/28.json (key "16924", 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