# MERAMEC VALLEY BANK
VALLEY PARK, MO · FDIC certificate 19200 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $167.6M | |
| Deposits | $141.2M | |
| Loans and leases | $104.5M | |
| Total equity | $23.7M | |
| Loans / deposits | 74.00% (p67 of band) | 63.45% |
| Liquid assets / assets | 26.25% (p24 of band) | |
| Uninsured deposits / deposits | 27.41% (p72 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.19% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.90% (p2 of band) | 10.74% |
| Unrealized securities loss / equity | -0.82% (p90 of band) | -26.93% |
| AOCI / equity | -0.52% (p83 of band) | |
| ROA (annualized) | 0.09% (p7 of band) | 0.89% |
| Net interest margin | 3.28% (p54 of band) | 3.22% |
| Efficiency ratio | 99.96% (p94 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 39.72% (p66 of band) | |
| Auto loans | $674,000 (0.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money, expense ratio p90 | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | assets shrinking |
| 2012-12 | 0 |  | losing money, expense ratio p90, deposits shrinking |
| 2013-03 | 2 | losing money, expense ratio p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | losing money, expense ratio p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 | expense ratio p90 | capital falling |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | expense ratio p90 |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 3 | losing money |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2018-03 | 4 | losing money | capital falling |
| 2018-06 | 3 |  | losing money |
| 2018-09 | 2 |  | expense ratio p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | loans exceed deposits |  |
| 2020-03 | 2 | uninsured deposits leaving |  |
| 2020-06 | 3 | wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  | wholesale funding >15%, capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | loans exceed deposits |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | leverage <7%, expense ratio p90 |  |

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

- 2022-04-06 [This Southeast Missouri bank is increasing its footprint in St. Louis County - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOMTRXbHJCUUVtUDBZMnkxYkFuQUIwaXZOdFRhcnpPcGNoYmVWN0pVOVppS3FvdGNIUXZjZ0Z5OFZjbnBnUDFNNFhMQXRkWC1ESElUOXdNU3FncUNXQTl4RUNkRXkzVzJFMEhidklkeFdmY2lXXy03Wmd5dUZSRTJ0Y0Vkc045RVpuOTRSTVc2Y2ZhMmhpa3UxS0paVEdZX2ZrQ3g1Rl9CRERwZw?oc=5) · The Business Journals
- 2015-10-30 [Business - West Newsmagazine](https://news.google.com/rss/articles/CBMiogFBVV95cUxQWkZzWkQ0bElFTXRfcTg3VnhsZGdqSUpYLTRSUS1PNUcyQmQ3RUFMTVpDY0ZDRVNMc3ZfeTJjMFdNU3NIUWU0Ni13blpsTVhvOXE2LTdRTmJMY1ZhVjc3ek41S0hDYUZrNmpmdWkwZHFBM0N6eGllc0NqSHRiTUo0VVEyamRXdWVMRkxLNlhkOGhYWnVjZldYb0JmLXpJWHpweVE?oc=5) · West Newsmagazine
- 2025-11-11 [Michael Moll Obituary (2025) - Ballwin, MO - Schrader Funeral Home and Crematory - Ballwin - OregonLive.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTTBwcTNDbDhDTlgwRzNQeGk2eEhPZ2NmMGVmbnFlTzlEeUwzRnpNRWJJRjlfdzZ4UnE1TElodkdyVGd1cm43VmhXWU9LczB0cjhaZWZiMFY2SXVCVERxbUVkRFNvaXhmUlREVHhCMmhUX3hfVVBEbkluVmpqV3Y0aldBUl9CNXQ1aVpjS3VGS281bE5teHc?oc=5) · OregonLive.com
- 2021-05-30 [William Jones Obituary (1926 - 2020) - Ballwin, MO - St. Louis Post-Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxPdmxZUzAxX1pFR1hQeklhdGtyY3JrRjVneS1GZE5zdjR0SkRUSUgxOHhaMXFCYl9CT0ZqeTA0ekN0N19Pa2RjSmZMRUw2SWFrUW55aGtLNWF1dTFPSm9ZbTE2ck5NYXlGcmJoUUY0c0JEVmdEb2thQUswTGRBNEdyOE5hSmR3blQtOElMaQ?oc=5) · Legacy obituary
- 2014-10-20 [Business: Satchmo’s celebrates first anniversary - Newsmagazine Network](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTWJ0MTk1a0V4UVhhQXdzVVJ1V2lNVTNNaUZrOTl1cXNQV3NEZTZZbWd2XzUzczRRemh2TWlnNk1IbkQ1dkg1X1I3bG5YVjNERzZKdlEzOWtTOHpvVDFrRV80c3Z4TUR5eFhET0w2cklaQXA4Ymt1R2N4Z1RqTTU3UDV5VFpsX1Jud3laZjAxbzdkc25GbU04ZjNPUk9yd09R?oc=5) · Newsmagazine Network
- 2019-01-03 [Business in Focus - Ladue News](https://news.google.com/rss/articles/CBMipAFBVV95cUxOOWxBZ3FLRllPUlRsM3E3U0h2dE1GMUxqVEdmaGUtSVpfQUtUQkYxRnJFS3NzRFU2X0lfRkNaNEZHNnI1azlIS1oyYm9kU0U5WmJmNkstQ183MkZRS1FEZTZnbHVleU9OYlZJSk1RN0xhR0hBWFZBWTFONHZnMExfTm5vRk51SEtMNmRRUW9aems4TW1zMjhCTnhOdnhJUnR1NGNNdg?oc=5) · Ladue News
- 2018-12-10 [Business Briefs: Dec. 12 - West Newsmagazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxPMkNCV29HUFJJVDBYUTRBazBEaFJwNHFJaWFHSWJLaDBRcl9US1pmR0JtUDQtTFRIN0RlY1dBSE5kc2Zkbi1saWkwS0pNMzlZalc1S254a0wtZE9MenRWdVI5MjNXR1RDd1hnTmpzQlpVb2hFVDR3VmU0Q05yTXpKZDFScWQ1Wmp2alpRR0Z4UG5PeENRYUY2Z3BwckRDeElWX0swVW9KTXdBMTVvdnd4Zk9DNDA?oc=5) · West Newsmagazine
- 2017-04-18 [The birth of West St. Louis County as we know it - West Newsmagazine](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPY1huSkdkYjdUeFlhOE5WMzhwMWxWOGxrQTc3RVR6Zm05ZGFhZmxhcEJ4Zkl3RHBIREZxYWVJeXBVaVNBV29kb1d3TndPRG0wNldVa1NwX0hWc29naVlGNGRKb1pSSG9QZTF5MVliR0M5WnY0YVN2MVdtbG1XT0N4aXhKMWpyTl9wS3FLb3lDMEJTTTh5a2Q1MHU1UFhhd3BfYjZHNnN4RF9rcjJZRVdyak1VZTVwR0dkb2JYX01SRjR5YUl2cXotRXZoNFVMVE9aVU1TWFpR?oc=5) · West Newsmagazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19200 (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/0.json (key "19200", 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