# VERIMORE BANK
BROOKFIELD, MO · FDIC certificate 28930 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $639.1M | |
| Deposits | $549.5M | |
| Loans and leases | $520.5M | |
| Total equity | $71.3M | |
| Loans / deposits | 93.62% (p78 of band) | 82.04% |
| Liquid assets / assets | 14.79% (p16 of band) | |
| Uninsured deposits / deposits | 29.58% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.35% (p44 of band) | |
| FHLB advances / assets | 2.35% | |
| Tier 1 leverage | 10.62% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | -0.49% (p90 of band) | -8.10% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.92% (p84 of band) | 1.28% |
| Net interest margin | 4.40% (p77 of band) | 3.91% |
| Efficiency ratio | 53.09% (p25 of band) | |
| Noncurrent loans | 0.26% (p38 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 451.26% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 71.25% (p72 of band) | |
| Auto loans | $1.8M (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 38.1% | |
| Employees | 98 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 |  | noncurrent p90 |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 1 | liquid assets <10% |  |
| 2023-06 | 0 |  | liquid assets <10% |
| 2023-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving, capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-13 [Verimore Bank completes renovation of acquired Northland branch - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPWnpuY292Q0hya2h3THl3RmljUUt6N3JiSDdCYXltUWZpWEJNRjQ4NVZUMjQ5ZFc4bkdtbmQ2YWdZRWY4UkV1RFVuWnphN25sQXlDSGNhSTNHN0RSdUJGa012SmMxWVBJcFU2Q0JMSUxLS0ZYa2Z1NWkxUFVkbVJuZ0xDVzk5MnJLcDgyclh1TGZMYUEwUjdaTVFubnVPbVpLZF9BTUNxMXgwQlFs?oc=5) · The Business Journals
- 2026-03-12 [Verimore Bank parent sues its insurer for funding a lawsuit against it - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdmlJaGZOMm1NZzltOFltbWFpYWJ4ejcwUUNySjFPd3hqajY0UWxLMFRBSVFVX0pVTlEydWhqN3BUVXRHRzkwenB3ZjBXemFaOHRzLUxvQktuUkIzOWdZczBLRHozcDM2VWx4NjR5OU03YzNHX1hYSHk2LWhYcFNRTW5CYTVabEJDQ3ZHRldDMmxRNGNzSDB4LVJ6UkpjQVJEdktWaEhreUdSUzN2?oc=5) · The Business Journals
- 2022-08-29 [First Missouri Bank is Now Verimore Bank - KTTN](https://news.google.com/rss/articles/CBMib0FVX3lxTFAxcXdrXzVibGtJeWNPeWgtQWVncEdrM1U0Wm51aTRKbUJQY1h0T3V4SVJ2d3JuQV9nQTllelh5cXMzaWdjWmtGU0JXaTRURHd3T2MzakozMnYtcEQ5SG1mUEp2bFdhMEhjaVh3VUFLSQ?oc=5) · KTTN
- 2022-08-29 [Missouri bank changes name to reflect expanding services, footprint - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNFNJNThlUkl1NHZzU1c0VEVyZkZCS3BiQloyNWxESS1yN2RoNGp1RDl4czRMUTdwVk1wQWdNR1VuMEw5X2piN01NTjIwX1p3SE5ZNDJDczlCRXJhSFg3dzlJNEg1SEdGY1gzQzRZb3o3V2szRjNuWjhHWmRnSVZOVGtaWlJlUTlnaFRpOGxiRmxoUlltc2hTc3hZblc2MmEzXzllUQ?oc=5) · American Banker
- 2025-08-01 [Verimore hopes Northland expansion fills void left by other banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbnNjN0lQMXk5OUNacHhpcTM1ejd4dWVnYlhOVURtN21QTW8xcHRNUTVldDBBRkpHRWZ1TzdrWFNzNGptclcwdWJMU2IxSFgtbHhlbzYxODRRelJuaFEtS2lwRmJ2N3V2WjgyNGpUOGdkZ3lYQzViOUUycEFRMVdFekYyamhmaXZXbExDdndzbVhneDlKVG82RG1FV3NsX0pkSkE?oc=5) · The Business Journals
- 2025-08-01 [A growth-minded Missouri bank absorbs a local competitor - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPb0hQVjhwR0JhR1dzR3JTNjN0X2Mzc2syeEF3QUpJSU5QWEZfZjQ2bHdudzNWVnI3SlRzNGJhUzBXRkhjNm0xU3R3OEJQMDRKbTN5QnBLUUJ6alFqRGRKdnFVZW9IeDM0R0pEUDhXRGtLSWtvUzk3My1BWmJwRk9lUEplX3NDd3FlSlk1Tm14LU5WZEQ5UzBr?oc=5) · American Banker
- 2024-10-15 [Linda Falconer Obituary (2024) - Brookfield, MO - Linn County Leader - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxORnAzZzlvV2paWkpkUVJYS2gwLXhRR09KQ203QlZpaXQwWnAxcWlKTERNODFPVWdjTFk4ejVNZjF5Wm9kMExWbERNTENhRVFYWmFkbjUtT3pPclBOb0pPTW0wMFpsUzJfS1BzRVR5SkExRlhLdkxQLXhEVXJ4RXZZMXdsa1ItcUtEelc3ZTBZTmRqZVoxdDRYRjdB?oc=5) · Legacy obituary
- 2025-01-23 [Here's the Chicken N Pickle link in Verimore Bank-Clay County Savings Bank acquisition deal - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxObHc2QnpxZlhMOXp2VjV2YUxWUVBUY1VuNTZCa3p6RzBXRlpIN01VWlNGS0Y0UFUtcFVFWE9KaWttLUZsRXNtR0V0THNYdEgwcmlBallkYmc2QUhhVFd5OHhtYU9LckZtb2lfRUhUOEdtSVoxZTNBMlFhUnVvVVctbjF0UDJ3eVpTVEhxWkVweElqYzBNMl8wZUdmUGRVWTAyZzZyamEtMjhoYmlBS1Jv?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28930 (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/2.json (key "28930", 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