# CITIZENS BANK OF CHARLESTON
CHARLESTON, MO · FDIC certificate 17830 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $185.1M | |
| Deposits | $146.6M | |
| Loans and leases | $150.6M | |
| Total equity | $37.7M | |
| Loans / deposits | 101.50% (p93 of band) | 73.59% |
| Liquid assets / assets | 16.83% (p15 of band) | |
| Uninsured deposits / deposits | 9.80% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.51% (p90 of band) | 11.76% |
| Unrealized securities loss / equity | -0.74% (p80 of band) | -6.57% |
| AOCI / equity | -0.12% (p63 of band) | |
| ROA (annualized) | 2.47% (p93 of band) | 1.17% |
| Net interest margin | 4.98% (p89 of band) | 3.93% |
| Efficiency ratio | 37.94% (p2 of band) | |
| Noncurrent loans | 0.83% (p66 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p83 of band) | |
| Reserve coverage of noncurrent | 141.92% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 2.32% (p24 of band) | |
| Auto loans | $10.5M (6.99% of loans; DQ 7.01%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | capital falling | charge-offs p90 |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 2 | charge-offs p90 | deposits shrinking, capital falling |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 | loans exceed deposits | uninsured deposits leaving |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | loans exceed deposits |  |

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

- 2014-09-15 [Charleston man sentenced to 15 years in connection with bank robbery - KFVS12](https://news.google.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?oc=5) · KFVS12
- 2023-03-16 [Man convicted of southeast Missouri bank robbery gets 16 years in federal prison - WPSD Local 6](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPQy1zZjhRWmI1bFF0MVRyeHY5TEFLZ0lIUnFDOXRIZ3Jjc1djdTBIdmplbC1PVVRIVWQ5TElJUVZNbEJxaXZNZVZZSUJFdjk4VFBNQldDanFZZDBzS1ZYaVVlRHNhUW9DR1lFRXZFSkJzR0ktT1Y5UmltcFhWOHlPYVFwUmFpTC0zNU0wb0tGTExSN3V6VnpYY1R5QWJBeVJfSEsxYXVkQUgybGI3LUIxYkI1VEFsdkZybGZ1T1g0YkpuMWVVS2lWdlM0TVFlYlpPTzBTZlo5bFBlVXNfZWxjcnZxUWFFTDZab3o5WmJGaWRjSUs2?oc=5) · WPSD Local 6
- 2014-06-17 [Charleston, MO man pleads guilty to bank robbery charges - KFVS12](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdVFFNEYzRmtKYUxHcFg2RTg4bXRjRFJOazltZHlnWS1UU3ZCMzIzdE4tcUlQUFJiTExqWnJ0ZDlQMEtKdzhZWWhtRC1GdmFndUtVR1R6eXNvVFZ3TkY4N21nYkxnSDFkRUxUMnlmWFd3NDhuSkpHZWlEWndFV1k0SGRod25wMVlmWUhvaHNsU0xUeTBWSnJYc2hR0gGsAUFVX3lxTE5JRWhPVjI4dFpFZnVkTFNEQ3hub25PZTFZTHppR2EyWmhOOXlYeXltVnNkXzVBLTJGX2FHdGs5MXJNNWhSVXNPeVpmVTRkNE01SkJCQTBlZ2hkbWtQTUNYZHpackVTYU8tOEVlZnU0MUUyNnBPNXlFUUhJRUN6eWl2NVNKN2Nxa244N2VLLXRNRGE3VDBHcE1oT05TNzBpWDBGVFRtRGhUZ09BQ3U?oc=5) · KFVS12
- 2014-09-15 [Man sentenced to 15 years for bank robbery - seMissourian](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcU1DOFFNN3Q3d0t6RTRxaU55MUIxQ3RtZlJhcUZmUXduY2ktYWtmSGtaZGJoQUZzZmZOTVBCbnhhYzVoYUU5cTVnSjM0V2NadlNhUE8tQ09DWkJDb1gzTG9XaGhZb3VEYVhvUlVHOG5EU1p2dkUySEpIaHF4ZjdMRU80bDFPcFVzdjloWg?oc=5) · seMissourian
- 2025-08-06 [Corey James Medlock Obituary (2025) - Charleston, MO - McMikle Funeral Home - Charleston - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTmU5MVM2aGRTck9fWVRDUWxnRER0TWwwcTdPZjc4RnN6amY0RHUwaVpaRHNPQ1Z5enA0VXpyVGt2bzZMeldfYnNtbktURDZtWW1YTFRFX2E0dlVzTjBVMkhvdDNVcjBjMDgyWWlLbGFibElSX1BORHo5SjNwbWZTUUR3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17830 (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/38.json (key "17830", 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