# FIRST STATE COMMUNITY BANK
FARMINGTON, MO · FDIC certificate 17323 · asset band $1-10B · latest filing 2026-06 · live

**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 | $4.51B | |
| Deposits | $3.78B | |
| Loans and leases | $3.45B | |
| Total equity | $562.2M | |
| Loans / deposits | 90.40% (p61 of band) | 87.10% |
| Liquid assets / assets | 16.37% (p29 of band) | |
| Uninsured deposits / deposits | 22.97% (p24 of band) | 30.76% |
| Brokered deposits | 1.41% | |
| Wholesale funding | 4.16% (p41 of band) | |
| FHLB advances / assets | 2.75% | |
| Tier 1 leverage | 11.68% (p72 of band) | 10.50% |
| Unrealized securities loss / equity | -8.21% (p48 of band) | -7.75% |
| AOCI / equity | -0.30% (p50 of band) | |
| ROA (annualized) | 1.82% (p83 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 48.77% (p21 of band) | |
| Noncurrent loans | 1.07% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p75 of band) | |
| Reserve coverage of noncurrent | 100.35% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 78.09% (p78 of band) | |
| Auto loans | $44.7M (1.30% of loans; DQ 1.56%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 703 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 | reserve under noncurrent | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-02 [First State Community Bank Junior Reporter | Axton and Brett LeBlanc - mutigers.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOQjVyS0E1X3NFc005dzlKbVE4dlVveVRnSk1TLXF0emE5dndnLXhBcXB0RVRtTkZ2T0k4b09fSGpBcEU0RWNqdGxUaTZ5dmlqODlzend5MDZlT1lsUzI1U0JxRDFfS3E3TmNGZU9GT1BJM1RkRm5WSDVKaEFNYm5odTAtbUtUUDltdEpld3RfMHNKWllhZHNPdk9zZzZ1M01ZYVEteQ?oc=5) · mutigers.com
- 2026-08-31 [Southeast Missouri Food Bank grant backed by First State Community Bank, FHLB Des Moines - Daily American Republic](https://news.google.com/rss/articles/CBMiyAFBVV95cUxObDJBVmVQMmtCNzdhVzVsaW02TEFZUjBKZ3FyMXU3SU1xZi0xTVZ4LUw0X0Y5a29weVRZZUszQ3VvLW1oZGVhcW1DaFhveXBUbWZWNWdabjRGRlZKQ3I0cTJRVU5HNHlWV05GbUpZLXptekc3Ri1CU0FFcGpSUW9GWFV0X0lfNHI2OHhWMzFvVDN0a0dYZVlsc2xrNjFqSmtyeXozZmF2ak5jUHMxS2trTWVlLW9xSFJLZjZFVG9sWGJCTUVBaFdSMQ?oc=5) · Daily American Republic
- 2026-06-18 [First State Financial Management Selects Mili, Bringing AI-Powered Advisor Workflows to Community Bank Wealth Management - Private Banker International](https://news.google.com/rss/articles/CBMigwJBVV95cUxPNTZfMWRCMDVzdzEybjRmSm1mNkpyeGdtbzR5OXhkNENNT2pJQXZ0dVV0UkJiSVl2XzBFTWRyRjhWVHprOE1XSjNjSS1EdktrcjlwNzJmRXV4Tm1qRnF6dFlrZi1Fc0RRTFI4dnctRnpSX1ZXeEJBOXFTSWlBQzRXLUtCaUgtVnZFUi1IT1FOWGFzTjBBNGl0S0M3QktJc1lBQUVRUkhvVFAtV0s4WFJHTW5fX2xwYjZxWVZ5WXhrekdUS0VXX1B4WmZHMFNuZ1lSQ0c2dUw0VXZ5Z25leVhOZXJkVnRxUS1maU5ZaUFrdmtKV1g3d25wd1NfcXZmU3plRDJF?oc=5) · Private Banker International
- 2026-08-21 [Southeast Missouri Food Bank grant to provide 40,000 meals - kbsi23.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZS0tcXZmWFdGZzN4TE04bVptUU43a2x0MDV2REI1b0NUS2hvYlFIaE03Tm5VeEdiTzk1aTZWM29IZHhZN25GR3NUTzJFMDNHVUdtN3V3cWZfbHE2dkpOM2NLY0x3cm9fQTdXaW5RbHhXakV2NEJUdXlDcGU2RldiUERRUElCY0REUExaekhXVQ?oc=5) · kbsi23.com
- 2026-06-15 [First State Financial Management Selects Mili, Bringing AI-Powered Advisor Workflows to Community Bank Wealth Management - PR Newswire Canada](https://news.google.com/rss/articles/CBMiggJBVV95cUxNWERuUnRpRHh0eWtHT21KbWFBbDlHZ1hkNG1EMGhYanZnOHc1cWtGMXlTbDhmZWEtQ2lFeUpmalhoLXZQUWJBd3ZiMnN4MVhFeV9lelIwS2ZUZ1N4aVJ6ZXBhamc4SDJlOWhJV0VCUldpM201VTFSZ1F2VjJuNXliTzVnbm9xbTd4VFVhcXMwWVhXNlRKUDBobDE3aUpjZUx6VGlwS0IwNHdPcHQwRjRDUjIzcXdrWm00NktVekFyZ1B1Z2pqT3E3bFpmekg5dGhTSkZ1Ulh3Tm1aT0V4WG9qR0FObkZfc0sxSm9hSllwVUU5ejhQOHVBdlh6V25YYmJJQnc?oc=5) · PR Newswire Canada
- 2020-02-26 [FSCB to buy seven First Bank sites including Owensville, Hermann, Gerald - Gasconade County Republican](https://news.google.com/rss/articles/CBMixAFBVV95cUxNOTREVDZfSFM5R2N1UlRLa0xvczBpeXVBRlpqWDFqY2VtN0NrVEVlV3RrWWVWOV8tUDVOSUtzVlFkcXhOaGNETE90SmZEVFlCR1JKYWkzZ2w0bGhnVUpFM2RvQVBibmJ4Sy1reVZGQXpPeVg4MFA4ejRlTGlLTG51Njc0UEU0OUZ2akhMQVZla0xhc0FXNVBEQ0s2UkZBay1VT3g0N1VOa2pXR2NjYkcyN3pyazZsZG9lS1huejJjcDh4VGNv?oc=5) · Gasconade County Republican
- 2024-07-18 [Mexico’s First State Community Bank Introduces Senior Vice President And Commercial Lender - KXEO](https://news.google.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?oc=5) · KXEO
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17323 (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 "17323", 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