# SOUTHWEST MISSOURI BANK
CARTHAGE, MO · FDIC certificate 22876 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $1.21B | |
| Deposits | $1.04B | |
| Loans and leases | $640.9M | |
| Total equity | $85.3M | |
| Loans / deposits | 60.72% (p8 of band) | 87.10% |
| Liquid assets / assets | 42.27% (p91 of band) | |
| Uninsured deposits / deposits | 30.28% (p48 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.64% (p45 of band) | |
| FHLB advances / assets | 0.09% | |
| Tier 1 leverage | 8.73% (p8 of band) | 10.50% |
| Unrealized securities loss / equity | -34.55% (p7 of band) | -7.75% |
| AOCI / equity | -1.36% (p11 of band) | |
| ROA (annualized) | 1.03% (p33 of band) | 1.26% |
| Net interest margin | 3.82% (p57 of band) | 3.70% |
| Efficiency ratio | 69.12% (p77 of band) | |
| Noncurrent loans | 0.25% (p27 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 447.74% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 65.58% (p68 of band) | |
| Auto loans | $44.4M (6.93% of loans; DQ 1.74%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 219 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 0 |  | charge-offs p90, 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 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2020-12-10 [Joplin Bank Robbery; More images Released of Masked Man all in Black - FourStatesHomepage.com](https://news.google.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?oc=5) · FourStatesHomepage.com
- 2024-08-28 [SMB opens Oronogo branch bank - Webb City Sentinel](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1CZV9KTzdBbnFXSWszdFRzMnRKdG95N1hEXzgtNkpGbl96TVJTRUdRSGtIZ1pDYkRPdE1pYVRLdUU0MlNTMzJhaEN3OVdfYnk4NkNRWkl4SU9YRThvVXdpXw?oc=5) · Webb City Sentinel
- 2017-12-04 [Southwest Missouri Bank Announces Promotions - koamnewsnow.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQRzZ0ajFMNF9CWEVaOHRXSGEzTG13Mnk1U3UxN0J4S29ROWdsVV9qQzV6MjhuUE9vcmJVeklXMGs5SWpKR29MSmtMYk5pYS1BbjVWT2l1WDhlU3pCY2JxRWczZ0RUaERpaW5FcDZTTHFvYm5KRFRDMElSdkI1QmViUTZjaHlaY0pwdzU1V3Q2bkpxSmF2WXUyUDZNSkJvd1h4ZVFHRGZ1cWI5NlRsSzFiSkNDYWR6bmJsemY1WDRwY09mZl9DRFE?oc=5) · koamnewsnow.com
- 2025-03-29 [Southwest Missouri Bank announces Corley Grant availability - Newstalk KZRG](https://news.google.com/rss/articles/CBMipAFBVV95cUxPa1NiNmhkY29PWjB3UzJDNF85UVI1eHhVLVk0b19NVENfTWNaZVIzTm1hUEhXVHlfbHJtSloxWDNTdEJEal9vdGZ2UkUwaVpFaTN0SFlFaVhqc19sWTBtbTU5Z0N4TWxuc1JtcXUwUGxGRmFBczZ2bFhqaDZ5bDRJMGlqcTU3R1R1YXlFNzBTdFJiU1BZSVhFQXVUYVJZNk02bDlUaA?oc=5) · Newstalk KZRG
- 2024-10-20 [Obituary for Michael Lee Beattie - Ferry Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBIM1JXM3VUZU1hYUttODB4Z0doTGpsWnEyRW1WNlNGQ01jZzJvbEh6a2ZUc29lNmZqYmRXRVJ4UGtMYUwtTDRFUUxBNjBsQVFRZW1XNi1MU0J0eTdKV2tFM1pNU3d3RmxR?oc=5) · Ferry Funeral Home
- 2006-05-21 [Holding companies merge into Mid-Missouri Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxObHBhdF93SlcyLWdFcXk3UU1kTlExVkpUUnY5M1J3RjNtNTZ5WHR3ejZ3MGJVaTM5Qzh0OUdPSk9vMHBjWGNsOVhzYkU3QU96NlZBYmVGU2FNOUpxOFlYcExyRDRtaldrOE1EbGVxUzlJZjhOX2dCN1J5N09TbWlkdTR3?oc=5) · Springfield Business Journal
- 2023-06-21 [Experience local art: View heritage painting at Southwest Missouri Bank - koamnewsnow.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQVVZ0VWc3aDV5d25YdU5XNHpSVXlFTGRhWXVzRmNtdlEyaWdMXzRBTzA2bHBzc3ljWUcwdjhBdTM0ejlpM3ZDZ1dEM0tJajZxT3RnU0dXVjFOTE9Lb3hNRHhLYWU1UHItbXZvZjJ6b1FNbVpmUTUzdF94YjV0Z0pqamNzTmRTUUlHcXB3UkFNRGRqTEFHTTdTVFdrcmVNYXdFeWU5UUV1dWNhZzRPQUJSbGphTXB5aml2TTRsdEFrano3X184SXU2ZWloNlY0MEhnT1U1cU5rNlJUc2xSQ215aVJUVm1RWFE3OUdZWU16RQ?oc=5) · koamnewsnow.com
- 2026-06-15 [Betty E Green Obituary (2026) - Carthage, MO - Ulmer Funeral Home - Carthage - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE96U3UyWnBRU0FqNmlTamlkaHg3TnZaSXVTcXRGV0kzbzU5RVdYU29aS3pOT3cxMWI1UGtPR0hGR0UwZUVvWEVWeVRqTmRtQUJ1OHhNVkgxcXlvYTNVREROajFXOWktMTc2eDJkSzJiRElrMG5ERWozNWQza3Rmdzg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22876 (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/28.json (key "22876", 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