# JEFFERSON BANK OF MISSOURI
JEFFERSON CITY, MO · FDIC certificate 19762 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 2 (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 | $815.8M | |
| Deposits | $683.3M | |
| Loans and leases | $583.9M | |
| Total equity | $71.9M | |
| Loans / deposits | 84.13% (p77 of band) | 70.11% |
| Liquid assets / assets | 27.63% (p32 of band) | |
| Uninsured deposits / deposits | 18.39% (p19 of band) | 26.09% |
| Brokered deposits | 0.96% | |
| Wholesale funding | 8.00% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.78% (p25 of band) | 9.79% |
| Unrealized securities loss / equity | 0.27% (p38 of band) | 0.82% |
| AOCI / equity | -0.46% (p69 of band) | |
| ROA (annualized) | 2.23% (p94 of band) | 1.18% |
| Net interest margin | 3.89% (p81 of band) | 3.35% |
| Efficiency ratio | 40.90% (p4 of band) | |
| Noncurrent loans | 0.23% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 669.57% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 37.92% (p52 of band) | |
| Auto loans | $131.9M (22.59% of loans; DQ 0.76%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | auto book souring |
| 2013-06 | 1 | auto book souring |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | capital falling | charge-offs p90 |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |

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

- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2012-06-04 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE1OX29hbmczSjR5SUlyZWJtRW1raWd5VHNYU0todHhfdHZJUTZnZjFFTnFRTTlieG0wbW5oQ2MxRHRPREhqYVN1ZzB2a2VpR3ItOFNrckxtV053YXFRRl9UZV9WaVhjM1hVVENIYm1yNko3UQ?oc=5) · Department of Justice (.gov)
- 2020-08-09 [Paycheck Protection Loans brought nearly $100M into Jefferson City, retained more than 14,000 jobs - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxOR2FpNVNtc3QwS0Fuejg0NEN0QmFfVVVTeXJBQ0tBMUVJRWktcVBGalRCMUdGY1dhYWZsWnlUNE9icHhnZHd1NWpyQWZLM3BORFgwT2pBS0RJM2RsQkEtRXdMSXpIUDJCVktoSkprTFEzNGxsT0lfWXU1ZWdxYUVuVHBfUkVic0tqMEdQajM3ZXJUS1g5SUk0M0V5VkI?oc=5) · Jefferson City News Tribune
- 2012-01-09 [Obituary information for Raymond "Ray" John Kempker - Millard Family Chapels](https://news.google.com/rss/articles/CBMijwFBVV95cUxNS3J4a09mM2l2R3hOWmVPeUpaUmZYNmE2MEJMcGFmSktBVkMtR0Roc1FnTl9qQ1BvQ1BQZkEzU2NBY0xBYWN6aWpLZm5rOEk2N3RlU0VyV3gxRm1uQVhRUDNFZURKT0hKdzV0cktQREljeEtzZDE2MTFQVHNwZndUZmRCMV83MnlnOV96aDVqSQ?oc=5) · Millard Family Chapels
- 2023-07-23 [20 local students chosen to attend Girls State - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeHpESmRzajVySXhfeGNOMDc5SDhYNDNjajJkc0k1cDZlUFR6TmtUbUtmTFVnc2xKMjBKMWVOTjRySkFXT20ta2kyZEU2MVZkTjJjVXZJcDA5U0ZnUlZRQ1hKTnFCTFZzbmJSdVZablY5Sl85QWhMb05JRll3U05jU0JmZWZ1ZGI5ZFlwbHFySWdhUVAwVkU0?oc=5) · Jefferson City News Tribune
- 2013-08-04 [Local boys participate in 74th annual Boys State - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxONUNkSmJaZmY4V0toRzlSVXpVaHRDRG5ETmk2aDMxRUZGSUJ1SGhxVWt4eTJBOXIyQzB1bzlLZFlkREhGMFpVYkp5Y0wwRy1LRFo4ZUdyWlRyLW9YbjN3Sjl4T2pnNUdZMUk1bmI0UlRmbVplYmJTMGNZZnVDaUpKaEx1NE9pYUtmSEZPT3FrWWZpQjhWdXc?oc=5) · Jefferson City News Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19762 (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/50.json (key "19762", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide