# EXCEL BANK
SEDALIA, MO · FDIC certificate 19189 · asset band <$300M · latest filing 2012-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $186.1M | |
| Deposits | $173.7M | |
| Loans and leases | $140.2M | |
| Total equity | $3.3M | |
| Loans / deposits | 76.71% (p65 of band) | 69.20% |
| Liquid assets / assets | 15.38% (p8 of band) | |
| Uninsured deposits / deposits | 3.82% (p20 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.30% (p64 of band) | |
| FHLB advances / assets | 4.30% | |
| Tier 1 leverage | 1.67% (p0 of band) | 10.13% |
| Unrealized securities loss / equity | 2.74% (p42 of band) | 3.81% |
| AOCI / equity | -6.29% (p0 of band) | |
| ROA (annualized) | -4.05% (p1 of band) | 0.80% |
| Net interest margin | 3.42% (p30 of band) | 3.77% |
| Efficiency ratio | 130.76% (p97 of band) | |
| Noncurrent loans | 20.11% (p100 of band) | 1.27% |
| Net charge-offs (annualized) | 3.34% (p100 of band) | |
| Reserve coverage of noncurrent | 24.84% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 397.11% (p100 of band) | |
| Auto loans | $1.2M (0.88% of loans; DQ 2.98%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -18.8% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | losing money, charge-offs p90 |  |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 9 | leverage <5% |  |
| 2012-03 | 12 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 13 | charge-offs p90 |  |
| 2012-09 | 13 |  |  |

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

- 2012-10-20 [Excel Bank in Sedalia Closed - KOMU 8](https://news.google.com/rss/articles/CBMipwFBVV95cUxOY3ZyY0lqV3VXbk45VjhLckdTYUlGNjNWVUlpZkdrMWdBaGRiaURSTTlHbVFUUUQtNGN2UUVXYVNia25uVFFQUEZIeC16cDZ4WDRYWXNSRnBfY0pzQW10RV9PUy05aVh6QnczZm5XOFFxQkhIRWRCaURmcEstSnlXd04wMnBVel9ZSHljWkllZWFGaVRtQUlMS0k3LVFPbHFSVnFaNmhqZ9IBrAFBVV95cUxNcVRJa3RnNEltRkZfLU95c0NNekJGNXplRjdRaTM0TGoyT250d0JXR1J5TTBIX0dHWXh0SFEzQmdhTUFjUVh6dlQzNlVPTnpLaXVPeFZNaFVtY19ySGRuZ3dEWEJIbmdhc2ZPVFh5MW95NW1zSFF1WWwwRFRrLWxNcmxTZkZ5UjJOMVZjT0NPckk2VlFvYkd0ekRWTUhIYTdqSzQwSDd6Q1dOQS1C?oc=5) · KOMU 8
- 2009-12-22 [Serial Robber is Armed and Dangerous - fbi.gov](https://news.google.com/rss/articles/CBMicEFVX3lxTE1ZLTRpd1FtcGVpRmZ3SmdteUhGRFZSVXJuSjFHS1oyV3FLWGN0MWQ2UXgzdFVEaE5jNUNUcDllZXdRamFHXzRsWlhMVmZCNVM1SWc1a3RMSG43Y0hWVHJzTVRhRnJYUHgxVkFTZ2NqVUM?oc=5) · fbi.gov
- 2016-12-19 [As FDIC bank failures ebb, Arkansas banks search for other growth opportunities - Talk Business & Politics](https://news.google.com/rss/articles/CBMisgFBVV95cUxObnVvVGdDS1A3UTRGNi13d1FtN3ctbmJaMEJjY3AyWXR4YUFrV0c5US1WNkJaU21iYVNyLXZpSDJJQm5YMHVrYnJSZTZCb3k5cFMtUE5jcXg0VlVKQmJ3ZGRGQ3NlLWpCbGVod2g2d1dvSzk2LVFoS01tcnBGT3I2U3FMOVFBNzN5NE5aem50RGpOMmVkRVFuYnU5VDJWa0c5VV8zSVh5eFJQa1N4bng3Y2xR?oc=5) · Talk Business &amp; Politics
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-10-27 [After a spectacular rise, banker Hayes suffers his fall - Arizona Daily Star](https://news.google.com/rss/articles/CBMixwFBVV95cUxNVVZ0R0xjMWtfWldkdmc0RWQ2cldsNjRVaGVfRHFXSWp5T0M5NUNYaVJvajQ2V3hNcklXVWpwYTBleXdidkEzMTA4YTRKMjFMSml6ZnAwX2xMLXpiME1zU3RNWENudTJta2dfVkFDM08xT1oxQnFfWkVRRS16VThXbW5tTDN0MUJUd25BdFprZ1hSUEpsSHh6aGdBY0JvSUNzWFpKOGlYNTd5Rk1FS256elJMb0F6d1JYMFBzQ0d2UnM4a0t3NTRj?oc=5) · Arizona Daily Star
- 2018-01-03 [Former banker Shaun Hayes pleads guilty - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOa01mNmJ5LUdMbXgwMnRObkN3Mm9QQXlzNGlhZFRpQ3dRaGhIUHE3dVEySjJFV1NUeVhkSVp2UWtNZWtRblVlRU1JUHJiY2pxd2J3dUg4eXlpVURyXzZHaENNbmY2TjJxWkJ4bE16NkhqX0pDakNuUGtaWTFNWWQ5LXJscmp5NWhUY01MZElmUHNLMEJCMGxMODVlV3o?oc=5) · The Business Journals
- 2013-04-02 [Fulton man gets prison sentence for bank robberies - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMipwFBVV95cUxPcmo0dkNtbTlIdFctNnpKa0RJTGxGeWFkSGVGSVg3Y24xcHhpZUJLSHpreVdIOHloNUdLZmhMZ3RiLVJzUEluSmVSMGVvQkV3aXdvQVl1MUhpa3VubTZnWFZlRnQwZC1jZ2lEOXFhSlNwMmJWWG1BcWNtc1l2cmlod3kyTTd2Y3ozb1Q3Z1JOMkRfMjJLSVlyZmNvUUJ5TkxKQmMtVUNOQQ?oc=5) · Columbia Daily Tribune
- 2018-05-29 [Shaun Hayes gets prison for bank fraud - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUlR5SEQxaWJtdi1kby10YVBxX1VxZUE5Y0JyZEYzVnppVlRaYzh0TC15M3JKWEtFRll0bFA0YWlxRFN6SHpUUmtwd0ltbTRnUEFSQlVLZ2NseFNOUWtkb0JzTkcydmd0RE1oMXVWMVR3b1QtRVVFa3hDTEk1SHZSakRERmFPRHE5dGFMbEQ2Q09hcHMyaVdKcGNVWQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19189 (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/53.json (key "19189", 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