# COMMERCIAL BANK
SAINT LOUIS, MO · FDIC certificate 27409 · asset band <$300M · 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 | $282.9M | |
| Deposits | $246.5M | |
| Loans and leases | $198.2M | |
| Total equity | $15.4M | |
| Loans / deposits | 79.49% (p62 of band) | 73.59% |
| Liquid assets / assets | 26.19% (p35 of band) | |
| Uninsured deposits / deposits | 28.16% (p77 of band) | 19.81% |
| Brokered deposits | 1.57% | |
| Wholesale funding | 7.90% (p81 of band) | |
| FHLB advances / assets | 6.33% | |
| Tier 1 leverage | 7.93% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -66.04% (p3 of band) | -6.57% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 0.46% (p17 of band) | 1.17% |
| Net interest margin | 3.52% (p30 of band) | 3.93% |
| Efficiency ratio | 80.28% (p79 of band) | |
| Noncurrent loans | 1.00% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.11% (p88 of band) | |
| Reserve coverage of noncurrent | 113.06% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 38.97% (p72 of band) | |
| Auto loans | $911,000 (0.46% of loans; DQ 1.87%, NCO 0.00%) | |
| Loans to nondepository financials | $3.4M (22% of equity) (p99 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 37 | |

## 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 | 4 | leverage <7%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | leverage <7% |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | leverage <7% |  |
| 2012-03 | 2 |  | losing money, leverage <7% |
| 2012-06 | 1 | uninsured deposits leaving | charge-offs p90, reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 | reserve under noncurrent | charge-offs p90, capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2016-06 | 1 | expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 | reserve under noncurrent | expense ratio p90 |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | leverage <7%, capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity | capital falling |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 3 |  | leverage <7%, assets shrinking |
| 2023-03 | 5 | leverage <7%, deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  | leverage <7% |
| 2023-09 | 4 | AOCI drag >20% of equity | deposits shrinking |
| 2023-12 | 2 |  | uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 4 | charge-offs p90, assets shrinking |  |
| 2024-06 | 2 |  | construction >100% equity, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | construction >100% equity, assets shrinking |  |
| 2025-03 | 2 |  | charge-offs p90, assets shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 1 |  | charge-offs p90 |

## 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
- 2025-11-10 [Shanghai Commercial Bank celebrates 75th anniversary with a historic exhibition - Travel Daily Media](https://news.google.com/rss/articles/CBMiswFBVV95cUxNZjBFZHpVOHRScGNuMHpxOWtNMVJHZVpPejlxXzlVblozeS1pYnoxVVVNX2ZncHBFWXBkT2E5N3M3LWE0alFhdTUzV2ZOM2s5dHVHTUVfcE9fUFZ4cnN3ci1OOGljQ2Rkb0tuSGZMMTFFUkZXMEdnZVRCS0ppTHJ3RllOd2JIRTZHS2VvZmd4VDhtYlBkV3A1bjZYN1djZ0g4SDVncEhNdGpVQXRabllyX091VQ?oc=5) · Travel Daily Media
- 2025-05-05 [Associated Bank sees new hires driving commercial growth - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxQeG5zdnhfcFJMNVh6MmZORnVkTHc5a1NYaFVjRzFIUkdJdTFFekNaT2RELTNscXBEaFJkNW0xd1djMXNSQ0VsZ1J6NWRGeGdOQTczb3hkbTN4NUhEZ0Rfc3F3YUVrWmFEbzV4OEtrdWNKOFV5M1FmbzBpelNVdFFqTnkxdGExbi13UEZGTVI5WVB3YWljYzh3OHppaFNscFk?oc=5) · Banking Dive
- 2025-03-21 [BMO announces new head of U.S. commercial bank - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV2FiYXI2NUFsVVQ5UnY0Nk5UbWZsZTN1dS1VZi0td1FGd0FkcWM3RFJ5by1EYnFaSF9rYW1uWm10MUY2RHlGRnhKOVNlMzN4OUxjaXFhRjJndlNybUFJbzdHRDlZSEpnOUp6VFZHTVdWSmVKampObHpCOWJJNTJ6MnJsQlQxLVpB?oc=5) · American Banker
- 2026-04-17 [VPBank maintains strong growth momentum in Q1 2026, credit to customers surpasses VND 1 quadrillion - VPBank](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPOXNRWThDaFdZSUtnc3dEazJCelNRdlJJME5DeGZZbXFkS0gzaDVxOElCUF8wRzVValR2QWNfNDdPcUp5Y19RR2JYaUp3eS1WTGpBOUxENmFiZWxpX3dVUEdQMG1nWEhiVl80Tks1Nk1RSWFIXy1HSlhjWWVzTk54dE5VallxWEswZ1BNZEd0VGNvaEoxX1RjU3RjN09MYWcydElmRG9EZENDdEdjR2s1eWlIRkdybmF4OUNPaDJ3aGRWa1NlZWYxbENrQzRuRTBfTWxOSVJ5ZE5pQlhiN0NSNQ?oc=5) · VPBank
- 2024-07-24 [Commercial Bank and Trust Company Review - businessinsider.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOc2NRUXN3VGZ2cjVhb2JmaU1kVVRIYllidEtjejgwRmlVcU1lakV6YXM1SmVVb1ZmLWp4Y3g4M2FkaEdQRnU1UVlCUFk5RFdMc0c4OGF1TXVZSTh5LThFX3NBM0dSd2toN1FVdkVpWmNQN0pmZmhMY3pMb2QyUTM1a3lXdEhsNUVjMktlMXhZMW50UUlRODV4UWFsLVhXUQ?oc=5) · businessinsider.com
- 2025-11-07 [Shanghai Commercial Bank launches 75th anniversary exhibition, charts digital future with AI integration - The Standard (HK)](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOd2dRdWI5YklnSi1BT0x0U2JCUVpha0RWTzRYdGFrdGZTbmptNTh4dWYwcnpOWG1jd19zQTdtWnZiZEo0amgweXAtTk9ZWnZsRDdFVmVDLWktcDRhMUlmXzhmZWwxZnhOc1hJWlVtblBzMWNKOG1uQ0I1TmhqY0xSd05QSnRmdnM2NVhHcklTMHRYOURtaXZTT1R1ajdJbHJrckVhRXNERG8yc2V4UUdSaUs0REdLZm5JaTQ0WUZxTmxLMWd0WjlUZDVYbE9rNkZEeExVdmdWUE81QlBrZEphZElmb0JaNWxxcE9ta2FR?oc=5) · The Standard (HK)
- 2023-02-06 [Holding company merges one of KC's oldest banks into another regional brand - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZk9UQkFrQUpXV2wzLWt6V3QtZG5DSDA1MktTWFlGbU12VWlZX0RjZ0N3Vmdpcnd2RzY4VV9hMnZpYnBBNlVxVkwtY3V2YXVhWjNTbW9jV3NEMFVWbVdPa01QUjRlbVVsMVRieWJFblIxSDIwRkQ2SnZFdVRsMnF2T2xMbFVTVU10YVZ1VDVOaXNpdFZ3TlJBMjI1cVdoWERFX1h3SVloZXJrOTVSeXY4?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27409 (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/17.json (key "27409", 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