# SUN SECURITY BANK
ELLINGTON, MO · FDIC certificate 20115 · asset band $300M-1B · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $351.5M | |
| Deposits | $280.6M | |
| Loans and leases | $235.5M | |
| Total equity | $14.7M | |
| Loans / deposits | 78.84% (p53 of band) | 77.91% |
| Liquid assets / assets | 22.35% (p31 of band) | |
| Uninsured deposits / deposits | 9.69% (p38 of band) | 12.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.65% (p80 of band) | |
| FHLB advances / assets | 15.65% | |
| Tier 1 leverage | 2.00% (p1 of band) | 9.49% |
| Unrealized securities loss / equity | 45.42% (p95 of band) | 4.04% |
| AOCI / equity | 51.91% (p100 of band) | |
| ROA (annualized) | -5.26% (p0 of band) | 0.70% |
| Net interest margin | 3.55% (p38 of band) | 3.76% |
| Efficiency ratio | 91.62% (p90 of band) | |
| Noncurrent loans | 15.67% (p98 of band) | 2.16% |
| Net charge-offs (annualized) | 3.34% (p99 of band) | |
| Reserve coverage of noncurrent | 38.63% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 222.85% (p97 of band) | |
| Auto loans | $544,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 119 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **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`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 | wholesale funding >15% |  |
| 2011-09 | 10 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2011-10-06 [RiverBank shut down; Central Bank takes over branches in Wyoming and Chisago City, Minn., and Osceola, Hudson and St. Croix Falls, Wis. - Pioneer Press](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQazczVVlJa1pGQ3p4dy1lWHhrSGdFcUp5eENhTEhHS1Njdk9xaUJXSTlhakJqckU5S3J5UmFHRkY2UUc3WTl5WjV3TDFoSDVKbUJGQ0NtMEFaZ3hSaU9Scld2SE1zWi1wXzF2aEY4d1ZPYXcwM1RNaFM2NnpPZ0g2QVg5MVBYSWp6dU16YUpva1lnR1BpTWsxb3YyaWN0X0JHSVFMWmVJR0RBbHFwOFQtRklhMHJROUNFZUU3Tk9BZm5nQmUxYXljSE9RV1o5Y2xBZEdPVFpsbFhGZWtlTHhNTjYxVzh5X1hmRDJEa1JnZTF4NnhGcndFTUxn?oc=5) · Pioneer Press
- 2013-07-20 [Multiple banking centers to close in Missouri, town reacts - KFVS12](https://news.google.com/rss/articles/CBMijAFBVV95cUxORExiZWY3NXhpZi1QNWcwdXgtVHppa0d3NGpsWDdZY01iNGpYZlY0eFBUUlVZcjlEV2VsRWJodXp2WElhRDI1Ri1VU0FqUHNHZnZqa216ekFkcjFhV1A2cFYxZzIzVG91WUpURTFXRTlJaThuTXZRc09MR2tRVVZBT1hDYVpFbEhRdWMzMtIBnwFBVV95cUxNcmJvSUVDSDVWYTQ5akZxTlRYOHU5Vk9ucExiYWFkcVhBYm1MbkRxT19Pal90UzcxWjNldHlTTEpBdkZGMjBDLUp4d04yYlNCX1BVSk5oOGdObkpQYzdiRWppS2xSNUJONFpLS2NUT2F0dFM3cGFYVEd0RWtwdnF2eTgyYmxuejk0Wmw0TkNCbUxmby1LMjZtUDR2SUwxWk0?oc=5) · KFVS12
- 2023-02-03 [Ex-banker Shaun Hayes markets book, as he still owes $5M in restitution for fraud case - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSnFqSDBMMklQMnNDelJSeWc5QkNSSy1UQnVYZEt3dDRxT2FoSTlNZDFRa25jcmhkbUw0Snlsd0NlczBYUjFkUGUxM2gwOWVfdF9QeTJPMkk5OUM5MEFuLWVIYmZlS2JMYnBjVGliMG1LcHFBYThVWlRrbzNweTZycGZFVU9PUldmeGd3SWtUckc3TjNnWkE?oc=5) · The Business Journals
- 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
- 2015-03-20 [Shaun Hayes’ new venture - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxQWkhTQU1ja2VvekliRzdwVmJNcWZjb3NtWmFhQXdKQW16OE9WTjllazJwbTRmNWFUZDJ4RWlnLUcxRnAwSVRjVjlmU0lyWDdXTlVsOEM5U05vUy1pNF9ucS1rU1RvdlVvV1l5Mm9PSjExdFVGZFV2cmR4eHV5Mm8zUzlnXzVnZ1NiOEUzQ0ZCRDl3VkU?oc=5) · The Business Journals
- 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=20115 (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/19.json (key "20115", 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