# PUTNAM COUNTY STATE BANK
UNIONVILLE, MO · FDIC certificate 22895 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $317.6M | |
| Deposits | $273.7M | |
| Loans and leases | $236.2M | |
| Total equity | $42.7M | |
| Loans / deposits | 85.12% (p59 of band) | 82.04% |
| Liquid assets / assets | 24.82% (p50 of band) | |
| Uninsured deposits / deposits | 40.83% (p89 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.52% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -0.23% (p93 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.28% |
| Net interest margin | 3.53% (p29 of band) | 3.91% |
| Efficiency ratio | 34.85% (p3 of band) | |
| Noncurrent loans | 0.62% (p59 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 223.22% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 15.42% (p20 of band) | |
| Auto loans | $1.2M (0.50% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.6% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | loans exceed deposits |  |
| 2016-12 | 0 |  | loans exceed deposits |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 2 |  | uninsured deposits leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | loans exceed deposits |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2024-12-30 [Donald Lyle Fowler's Obituary, Visitation & Funeral Information - Thomas Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1XMnV4RHo0ZGRWeG55TlVKNU1QcHh4eTUzOEk5QUtScEpnVGFROHBNcnk5Wm5qeUlxVV82dlZCaFBLTlJfT1pXQVdVVmQ3SzY1c3MtcUd5OFNQSml3ZXZKZndNQV8yd1lhejlacDRB?oc=5) · Thomas Funeral Homes
- 2026-01-14 [Judge: Missouri public guardian’s felony financial crime case can move forward - KMBC](https://news.google.com/rss/articles/CBMimAFBVV95cUxOdzVJMHd5YlVzeW1BYjdabzJOTF9iT2M0RlMzbWVUUXVtT19jaWpVX1F0eUF3eDBIdEYzMnJqMnJMelpGamFITDZtRXRKT0xCMlE5OTBDdnBYTmpuSGpCa0N0ZlZPSTdBdXo0em13bU9FTkJyeElDYWhLdlJlT2xncE1OUDdRLWRlUGxETDlkYkFscjdmc3Z6NA?oc=5) · KMBC
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - androidpolice.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · androidpolice.com
- 2026-08-14 [Joan Marie Wattenbarger Obituary (2026) - Unionville, MO - Ruschmeier-Smith Funeral Homes - Milan - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQVnFHZmFNbjFKQkV2bnBNUEM0enRyc2JIS081c2dqSkJhMVpsNkZHSjhmUkwxSmpYZTBPQ0hjekN0WmJrbkRUM3B1QkVHRkFhYWdabG40RTVHMEI2czhJTkFSOVhUY2dnbXgydldwX0h0X2lfZ2ozc2xTZXNOb0RtRkxPQmJGMjA?oc=5) · legacy.com
- 2026-03-10 [Laredo board accepts resignation reviews policies and budget - KTTN](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRERvc1UzQ1BXSXdybVhhQmxIeTBxNkNabVRkdVctcUQta1kyYnFlazFHeEFpalhZLVBtRXE2NFRBb2pDajhZVDhqQ2FZU2tlY3ltSHQyQWQ2XzdQZG9Qd1F1dWNoNWljSUdPbFItTU52eWVFOGhkSjBwR0t5X1RIbE9Lcjd4WFE1dnc?oc=5) · KTTN
- 2024-09-13 [Shrimp boil and fish fry to be held at Expo Center in Milan - KTTN](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQeDZ4eFhtcFBpdzNLQjhHQkpsb0h2T1VjNjFHRmh6RUxPcXBjVTM0REdQRFV5bkVha3RBWWt2Y2NZaXBNT3IzeWVPeGJIbE1kLTZ3ZDk5TUs4cXA0SGE3QnVQOFEweXdrc1hfQmpOUnNfT1RIeUVPTkM0a3FJb0FPbUYtZUtMMDZQ?oc=5) · KTTN
- 2017-10-08 [Milan Chamber of Commerce to host Flight Squad basketball team - KTTN](https://news.google.com/rss/articles/CBMijAFBVV95cUxPYnl6RkgwUjR2ZFl1NDFhSV9jQmg2UWdTb09JS2szZjc1ODR6eEJDV3NBSzBOZW5DSDJJMzRKNldHTmtjNjYxd3ZWZUw0a1JtTUgzQjBPVk5PTFctam1LVzBCdzJLMXNoWUd1aEV3Z3hrbl9IRkE3N0k3WkdNWUV1b242dlVnSFVkbzdfUw?oc=5) · KTTN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22895 (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/47.json (key "22895", 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