# REGIONAL MISSOURI BANK
MARCELINE, MO · FDIC certificate 18385 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $597.4M | |
| Deposits | $500.7M | |
| Loans and leases | $468.1M | |
| Total equity | $65.9M | |
| Loans / deposits | 92.52% (p76 of band) | 82.04% |
| Liquid assets / assets | 17.81% (p24 of band) | |
| Uninsured deposits / deposits | 17.56% (p21 of band) | 25.97% |
| Brokered deposits | 1.74% | |
| Wholesale funding | 5.93% (p63 of band) | |
| FHLB advances / assets | 4.18% | |
| Tier 1 leverage | 11.61% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -6.96% (p54 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 2.26% (p92 of band) | 1.28% |
| Net interest margin | 4.44% (p79 of band) | 3.91% |
| Efficiency ratio | 52.20% (p23 of band) | |
| Noncurrent loans | 0.07% (p21 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 1438.64% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 21.40% (p27 of band) | |
| Auto loans | $6.5M (1.39% of loans; DQ 1.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 105 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2017-12 | 2 |  | noncurrent p90 |
| 2018-03 | 2 | capital falling | uninsured deposits leaving |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits >50% |  |
| 2022-06 | 2 | deposits shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2022-09 | 3 | wholesale funding >15%, AOCI drag >20% of equity | deposits shrinking |
| 2022-12 | 0 |  | uninsured deposits leaving, wholesale funding >15%, AOCI drag >20% of equity |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 1 | assets shrinking |  |
| 2023-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-07-02 [Tom Klebba with Legends Bank was Elected as Vice Chairman of Missouri Bankers Association - Gasconade County Republican](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQeFlLeXZuUG5VUFpuak1IbjZkYWhvZURGeUNqT3pOZVdHQ2Nkbk1fcm1wazVpUWgySU1Fc1VFUXYzMk91RFdLaS03MWpIVHdmdWZRZzAxYUVDQzhOQlY4NS1USVg5UWxkaV8xQUJkTGppSThUeTBuSXF5Yi00RXdtUFRtN25fOVNfNENxV2dERkduVVhvVFhscHFTQ053SllFTkZPQ2I4a3duOEt2X1hSWktTRkk2TnhQWjNmaVpXaXZZMzQzLTBoWFRva3p5ZThSbjlaT2trOVpZem1zUHlJ?oc=5) · Gasconade County Republican
- 2021-01-02 [Steven Holman Obituary Jan 2, 2021 - Pathway-Millard Family Funeral Chapel](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFB1NFVTVUUzdlJNZUdFajV1VUNQcnNQYmdZZVRZWE44blBsSU9teDFzcXFhRi1WX1puQTVwc1gtYnBmekZFdmR3RmlKV2RXcHJaSl9OdjhyMmphSFNhU2ZxZHdfTlR5Mlk?oc=5) · Pathway-Millard Family Funeral Chapel
- 2026-05-16 [Vigil at Immanuel Baptist Church Brings Community Together to Honor Kayla Huff - Central Mo Info](https://news.google.com/rss/articles/CBMirgFBVV95cUxNSzQycjBYNFJ1dlpzU05vMFp4aGdMdDFYanRlLU1vZExXMWpyM201bzAwbTJBajFsd2tTeE5KWGM3VlJUYTRVMGFhT1k5dHhoc3Jfb1VjbTVfUG14WXhIWWppSEhNbTVCTERQdm1uV2ZsaUlpeVV6U1NLclAxRkl0UEJpM2hpdkhuMjAwcDBjTW1wdGVaXzJSU3F3bjBEV28tLWlYb1FIaFhQSm43eVE?oc=5) · Central Mo Info
- 2020-07-06 [Moberly nursing home employee charged with financial exploitation - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMixgFBVV95cUxPZWJQa0JWYlQwQzBRa3pHb3JtTl9vY3FtdnI4T0RXNGRlQWowcnVXdG9DYUptTDhHZGtYZ3psdm5VbU9ZOF82cVdvakptZ2tWTjBhdE9QeVphOWw1NXNkUnAybEZPUXpBVnYzSFlPSmlBSDF5b0RhZF96ckxMZVFTVElVd0tzWkRMNXo5MFRCUDNtM0htLVcyalNtYk1scEp4eXFjNXZCRWptV2FUWnJDbWZGTktCSGJ3SmlXaGx0a2ZjM2tnSEE?oc=5) · Columbia Daily Tribune
- 2019-08-18 [Missouri State Fair Sale of Champions nets $156,300 - KTTN](https://news.google.com/rss/articles/CBMie0FVX3lxTE00VWZURVJvZGRNcEJ4Z1dVUDlTSlNJQ245U2V4Mk9wdktFNUh2N1VUd1hFVjhVQkhkYVN5OUpwUnVtVUR5Y2VHTXY4OVMycENMb3AzRzU4LXdUMkRWdXhfaEo5Nkpna2pOWWxVWm5WVkFPMllwdkVNSUtpTQ?oc=5) · KTTN
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2024-01-09 [Closings, delays, and cancelations for Tuesday, January 9 - KMZU.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNNzBLVzlxSnRJclp5TFRDdUtTd2g5eC1YMy1vUHFBcEtqRnVEdWUzbDhRMEV2TUtQQXlkYWdJVUxnWjJjRHJGYlhrSGZKaFd3RUFjTlk4aDk5cjl0VDRPZWhZM09Oa3hLN0t1WGRVNW5KR255M1Y3dW1jM1hxWkE5SndaNU1lanhGT0s5akhRQmVqdjZjMXFJTG5lMUJUMEQ4RnpzX3dPY1dwUndUUnhOTG1Kd0dHUHM2eVNieFRqbDJKWHRyUnI1cjVn?oc=5) · KMZU.com
- 2009-08-08 [TOP DRAWER - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdC0xaGoxVk5kcV9WS2lhb1d1enVXSk1HS2J0RE1QOEtjaXAtVXh4aEo5d0tuUGNnVGNGU2RZMTZzS21lR3RrOWJ5c18zYjlxN0pCQl9ha3VhUW96cEtJczM0OG9icmttc1dmaEVGbVhWaDhNNnQ3d0cwd1prNnRZVmNLVWZ2SnY1dVZNMWdHZGxtMUt0azFpSg?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18385 (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/17.json (key "18385", 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