# BANK STAR ONE
FULTON, MO · FDIC certificate 18124 · asset band <$300M · latest filing 2017-06 · 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 | $79.2M | |
| Deposits | $61.5M | |
| Loans and leases | $49.2M | |
| Total equity | $17.0M | |
| Loans / deposits | 79.91% (p59 of band) | 75.51% |
| Liquid assets / assets | 25.43% (p37 of band) | |
| Uninsured deposits / deposits | 6.26% (p13 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.64% (p71 of band) | 10.91% |
| Unrealized securities loss / equity | -0.01% (p38 of band) | 0.10% |
| AOCI / equity | -0.07% (p3 of band) | |
| ROA (annualized) | 0.52% (p24 of band) | 0.87% |
| Net interest margin | 2.90% (p13 of band) | 3.67% |
| Efficiency ratio | 68.54% (p43 of band) | |
| Noncurrent loans | 0.20% (p31 of band) | 0.61% |
| Net charge-offs (annualized) | 0.14% (p84 of band) | |
| Reserve coverage of noncurrent | 3.09% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 22.45% (p59 of band) | |
| Auto loans | $291,000 (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -19.6% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 3 | assets shrinking |  |
| 2014-06 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | NIM <2.5% | charge-offs p90 |
| 2017-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking | NIM <2.5% |

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

- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2017-02-27 [Bank Star One sale to Central Bank approved - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVDg4VmppZ3lYcHBNaklVVVBOU1hjclAyVVRqM19LcUlsS0tIZkhONHc2clpPM0pyUTdJWmRBMWlvclVvbDd5VzQ3Q2JleFl2UUI5VW90a1V6OGo2QmZCdDdzb1Fzai1FWnRORkpuTW4wRWtGdjhNcXh6d21XUE45d1BlNklRbkdFc0NIb1RSaw?oc=5) · Jefferson City News Tribune
- 2017-06-18 [Stewart announces retirement - fultonsun.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9TSWNvb2FoSmk2YTRZOVVnUnBIekRDNE5UYm45TXVOS1oxRjgyLVh5djByZExUX0Z6c2lHYzg1NlhYYUlzYzAtMXU2R1Z5QjRuQXBYU1pONDNkYUF5ZHhKeFVaU0cwaFJ5RHlIZFl3SjA0S3FfVktCVEFGRFc?oc=5) · fultonsun.com
- 2014-07-10 [Bank Star One elects a new chairman - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUzNQdXBPdlJId1k4cjMyd0l3X3JrbjJEcENoUHZzUUZLNWpjd1FKVTVJcTJnM29XdG1kSGk4MTIzc1o5N2tTOGQ5VVRIb3l2cmZqVUUzYldBWDdKOTc3WGdyX1VhYzBUOXBZLXB5NzVybkp3UHVDZ1RLcGU3Wk5HRjdKMHh0dlMxb3FnMG0zbHFFN3JnVWU4?oc=5) · The Business Journals
- 2019-03-11 [Obituary information for John Guy Newberry - Millard Family Chapels](https://news.google.com/rss/articles/CBMihgFBVV95cUxPTHYyVE5fcm4tckdiMmlkUWl5Mk5aSHNUY01iUk5objlPaHhzMF9GTkx5b2NaQ1FheXduNDVRUlJpdlRxSmZDMTV2ckFmdjdqOFhlRTZHMzRNSlNzSjlaMUZOdjExUjMyb3YtYWt0Wm1MZHk3VDdyTjlDMVJGX3AtY3JaZGpWUQ?oc=5) · Millard Family Chapels
- 2010-04-15 [Federal case nets prison for car dealer - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxQc2pSTF96OUVBSFc5d094Q1JTNm5QeXVkN0xab1ZCdmtvcVpldExiX0hkdEItRi1INlBQU0FuT3hqY0dMeDlaQ0ptNEp1LVI3cHQyMHo4bzBITndJRkJYZFhpVENDOGFTUWZlaEdQaFBITUpqWWFlS3F0RjBjVmhRNXNYUUFLeHoxTjNRbG05NGQyVW1ucExJUFlva3V4NW93VGM4?oc=5) · Columbia Daily Tribune
- 2016-06-12 [Hagemann to be bank finance director - fultonsun.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUU1rOWtkZHhJWXcwUFE5X2I1SGVGemNkaGJxa0IxTDQzWDR6WFBPS2ZuNWRRcXBOaGpNQWd1R1o1dkVYRGd6a3E2aVNKSG80c2hUbFFraFZsQkhZTTVyeEZFcGlNaGFUV1dMUjFKQnoyRDZmcXlmZ3RqU3l1VFg4STRaSQ?oc=5) · fultonsun.com
- 2025-09-05 [Sharon Lynne Holland Obituary (2025) - Fulton, MO - Maupin Funeral Home - Fulton - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQZVpON3U0d0psbThEMWJZS3dDU0NiaDFwQms0NTdialFlNHBORVJBUjlGZk92ZDVXanhETW4tbFVDUlRGaE5DNzZFaTRCZzFDYnBXWElsMWtudFZwUGdKcHJ3MkFFY3BQYnI0bFVSTk5IWDBlc0N3TGFJaGF5cVM2clVTMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18124 (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/12.json (key "18124", 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