# BANK STAR
PACIFIC, MO · FDIC certificate 21897 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $207.9M | |
| Deposits | $176.2M | |
| Loans and leases | $142.5M | |
| Total equity | $30.6M | |
| Loans / deposits | 78.99% (p61 of band) | 73.59% |
| Liquid assets / assets | 21.87% (p26 of band) | |
| Uninsured deposits / deposits | 30.77% (p83 of band) | 19.81% |
| Brokered deposits | 8.26% | |
| Wholesale funding | 8.26% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.26% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | -0.92% (p78 of band) | -6.57% |
| AOCI / equity | 3.13% (p99 of band) | |
| ROA (annualized) | 0.55% (p19 of band) | 1.17% |
| Net interest margin | 2.03% (p2 of band) | 3.93% |
| Efficiency ratio | 59.68% (p35 of band) | |
| Noncurrent loans | 0.61% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p69 of band) | |
| Reserve coverage of noncurrent | 375.09% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 46.70% (p77 of band) | |
| Auto loans | $1.6M (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 | construction >100% equity | reserve under noncurrent |
| 2011-09 | 3 | capital falling | construction >100% equity |
| 2011-12 | 3 |  |  |
| 2012-03 | 0 |  | losing money, charge-offs p90, capital falling |
| 2012-06 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 4 | charge-offs p90, assets shrinking | reserve under noncurrent |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 0 |  | deposits shrinking, charge-offs p90, assets shrinking |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2018-12 | 0 |  | uninsured deposits leaving, capital falling |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | deposits shrinking |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | deposits shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 3 | wholesale funding >15% |  |
| 2023-06 | 2 |  | wholesale funding >15% |
| 2023-09 | 4 | wholesale funding >15%, securities losses >30% of equity |  |
| 2023-12 | 1 |  | capital falling, wholesale funding >15%, securities losses >30% of equity |
| 2024-03 | 0 |  | construction >100% equity |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling, NIM <2.5% | uninsured deposits leaving |

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

- 2026-04-03 [PSB Bank parent company closes all-cash deal for Bank Star as merger looms - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPY0hocUdvSWVzS09raWpUZXhhcWhDT0F6QWpaamR5SGk0WGdFM0UtS19iZUJIWHRWYlVFeG1vWjFHY0pwODdreTFqN2g4MVZTOGhPOGZtM3dFQlVfRmItZGQ4aGp1VXo2Z3o5OGxOX2RDSUNPUnZpT0Vjd1FrZ2M5RzNuTVJfSF9ocE9FSkhaXzBwSkZDU09mMDI5dlVjMjB3YTBv?oc=5) · The Business Journals
- 2026-01-21 [PSB Bank set to acquire Bank Star, assets to top $1B - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMllNLWxjVmlMaEF5TEk5ZklhUXlUR2tjNFJnUG85cFB3MzFtd19pTTNiQmNNeWZIc09rM0hNTHZTOTlMRjl5M0pFRTdiRWxXQXlmUXZObG5YeWVHMmk4c0ltaHlUYkpySWlNLVpaaDdyYnZHQk9uOVlmek11eG1td3lGNG1KYlc0N1lMbEx5U1BZbTNTMzB2SmhnZnVraW1oM014NjBOS0s?oc=5) · The Business Journals
- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2017-06-18 [Stewart announces retirement - fultonsun.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9TSWNvb2FoSmk2YTRZOVVnUnBIekRDNE5UYm45TXVOS1oxRjgyLVh5djByZExUX0Z6c2lHYzg1NlhYYUlzYzAtMXU2R1Z5QjRuQXBYU1pONDNkYUF5ZHhKeFVaU0cwaFJ5RHlIZFl3SjA0S3FfVktCVEFGRFc?oc=5) · fultonsun.com
- 2017-02-27 [Bank Star One sale to Central Bank approved - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVDg4VmppZ3lYcHBNaklVVVBOU1hjclAyVVRqM19LcUlsS0tIZkhONHc2clpPM0pyUTdJWmRBMWlvclVvbDd5VzQ3Q2JleFl2UUI5VW90a1V6OGo2QmZCdDdzb1Fzai1FWnRORkpuTW4wRWtGdjhNcXh6d21XUE45d1BlNklRbkdFc0NIb1RSaw?oc=5) · Jefferson City News Tribune
- 2019-03-11 [Obituary information for John Guy Newberry - Millard Family Chapels](https://news.google.com/rss/articles/CBMihgFBVV95cUxPTHYyVE5fcm4tckdiMmlkUWl5Mk5aSHNUY01iUk5objlPaHhzMF9GTkx5b2NaQ1FheXduNDVRUlJpdlRxSmZDMTV2ckFmdjdqOFhlRTZHMzRNSlNzSjlaMUZOdjExUjMyb3YtYWt0Wm1MZHk3VDdyTjlDMVJGX3AtY3JaZGpWUQ?oc=5) · Millard Family Chapels
- 2016-06-12 [Hagemann to be bank finance director - fultonsun.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUU1rOWtkZHhJWXcwUFE5X2I1SGVGemNkaGJxa0IxTDQzWDR6WFBPS2ZuNWRRcXBOaGpNQWd1R1o1dkVYRGd6a3E2aVNKSG80c2hUbFFraFZsQkhZTTVyeEZFcGlNaGFUV1dMUjFKQnoyRDZmcXlmZ3RqU3l1VFg4STRaSQ?oc=5) · fultonsun.com
- 2025-09-05 [Sharon Lynne Holland Obituary (2025) - Fulton, MO - Maupin Funeral Home - Fulton - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQZVpON3U0d0psbThEMWJZS3dDU0NiaDFwQms0NTdialFlNHBORVJBUjlGZk92ZDVXanhETW4tbFVDUlRGaE5DNzZFaTRCZzFDYnBXWElsMWtudFZwUGdKcHJ3MkFFY3BQYnI0bFVSTk5IWDBlc0N3TGFJaGF5cVM2clVTMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21897 (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/9.json (key "21897", 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