# COMMUNITY BANK OF MARSHALL
MARSHALL, MO · FDIC certificate 22636 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $250.2M | |
| Deposits | $226.7M | |
| Loans and leases | $111.2M | |
| Total equity | $21.4M | |
| Loans / deposits | 48.39% (p18 of band) | 73.59% |
| Liquid assets / assets | 51.79% (p80 of band) | |
| Uninsured deposits / deposits | 16.41% (p37 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.03% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -24.55% (p19 of band) | -6.57% |
| AOCI / equity | -2.26% (p10 of band) | |
| ROA (annualized) | 1.14% (p49 of band) | 1.17% |
| Net interest margin | 3.26% (p20 of band) | 3.93% |
| Efficiency ratio | 57.44% (p28 of band) | |
| Noncurrent loans | 1.01% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p74 of band) | |
| Reserve coverage of noncurrent | 134.31% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 12.24% (p42 of band) | |
| Auto loans | $2.1M (1.88% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 3 | NIM <2.5%, reserve under noncurrent |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 0 |  | NIM <2.5%, capital falling, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, NIM <2.5% |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | NIM <2.5%, capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 0 |  | NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-12-25 [David Lee Cramer Obituary (1947 - 2025) - Marshall, MO - Marshall Democrat-News - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPaVFwYXVpVEdZRk1HNmE4cVMxQlJZWGxJeTVkaHFpRFJoalBaUDkzaHdOMV9hUWlzY1dkTWNQR2RoTnhnLUlieHFLdUQ4VUxoR0FSQWlYdjRuQk1DTG9ubW92cnFXT3FQZGs2Z3NYZVJUblFkTVFkTnBaRDRJb0ZLamR0dHh5V0NhYkdLVXh4S3FkUmFNb1lB?oc=5) · legacy.com
- 2022-10-21 [BTC Bank acquires Merchants and Farmers Bank; Community Bank of Marshall picks up The Corder Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPa2J0NDBWOVFfU0F1ZXZHMEtFbE9MVXJscVhSTy04RFl0VGlELXNZRURkUlhnMjRrRFZrZjh3Q2oxbElDNEt1alduRDlKOWpuR0c2aFl4UFB4OU5kX1pVRjJHY2QxNGlvMGEtLTVaaThjNG1nQ0t3ZHczamU5VDZrWWFxbnVCeTBRR3Raa3FlRHpTSE0tc0FUMURZZnVnMnBORXlfUkdn?oc=5) · The Business Journals
- 2017-01-12 [Obituary for George C. Green at Marshall - Campbell-Lewis Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTE8wY3FCTVRJOGRYZDlBRzFTajdjSzUzUkIwNFZVU05ZMFE4UjdlaDhydFpNMzZXaUMtVXl1OEpnQVlIRG1peFVMbnlOcTlVWWlOT01LSTJkanp6LUk?oc=5) · Campbell-Lewis Funeral Home
- 2024-04-09 [MARSHALL PHILHARMONIC ORCHESTRA CONCLUDING 61ST SEASON - KMMO](https://news.google.com/rss/articles/CBMikAFBVV95cUxPRTk5TUx6ak1mZjFVQUlTZk1WX2VOd3JBS2I1UHRTcmZuX1Z1TDlyaXpJMkU0emVMSXItRFFYamxNemhjeGxQWFBTc3UtaC13ZUI2dXdjZ2tfVnhwMk1oSkxaemY3d1lidC1ldDNORlBFYUpnWDdxWnk0b2toN0dUcU5oWHVRZThhSlZNZ2dDOFE?oc=5) · KMMO
- 2012-01-17 [Roy Ryan Galli Obituary Jan 17, 2012 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5VdGZEWGFUUm42bG1OdF9SUGQ1d0lnRlJVZmFmR3JzdmRpQXRJcU9hY2c1NDF3Vy00RG1FRDVWMHp1a1NkbFdqQTJmbnZ0WkxzcTJLT0hxVTJVSlhNMUZF?oc=5) · Gorman-Scharpf Funeral Home
- 2022-11-26 [MU EXTENSION HONORS OUTSTANDING LEADERS, VOLUNTEERS AND FARMS - KMMO](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUk8zSzhRdXZhUVdmeGxlbzU5eDJhcGtZeXN2eFNpc0hLRWxtQzMxMzRiRFE5Q3pzb3JNc1gwVkFuNXBkUDV1NV9GWXRubE9ZbDEyM3lmVmVKMlQ1bmZQOHBpTVppVnhnc1lvWDQ1dHB0VkhlcWx1aUVyWG9nWkV5b3BmdzZnRHZhblkyUjBTWWtwWWVzZXdCSm9aaw?oc=5) · KMMO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22636 (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/44.json (key "22636", 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