# CLAY COUNTY SAVINGS BANK
LIBERTY, MO · FDIC certificate 29764 · asset band <$300M · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $141.6M | |
| Deposits | $114.7M | |
| Loans and leases | $85.5M | |
| Total equity | $19.0M | |
| Loans / deposits | 73.47% (p52 of band) | 72.67% |
| Liquid assets / assets | 32.17% (p47 of band) | |
| Uninsured deposits / deposits | 9.30% (p13 of band) | 19.13% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.30% (p71 of band) | |
| FHLB advances / assets | 5.30% | |
| Tier 1 leverage | 10.85% (p40 of band) | 11.61% |
| Unrealized securities loss / equity | -0.46% (p83 of band) | -10.04% |
| AOCI / equity | -0.46% (p4 of band) | |
| ROA (annualized) | -0.88% (p4 of band) | 1.04% |
| Net interest margin | 2.19% (p4 of band) | 3.76% |
| Efficiency ratio | 55.47% (p20 of band) | |
| Noncurrent loans | 0.89% (p71 of band) | 0.31% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 171.65% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 28.37% (p62 of band) | |
| Auto loans | $70,000 (0.08% of loans; DQ 8.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 2 |  | expense ratio p90, capital falling |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2012-09 | 2 |  | reserve under noncurrent, expense ratio p90 |
| 2012-12 | 2 | uninsured deposits leaving | capital falling |
| 2013-03 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 3 |  | losing money, expense ratio p90 |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking |
| 2015-03 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | expense ratio p90 |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 0 |  | expense ratio p90 |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 2 | expense ratio p90 |  |
| 2017-06 | 0 |  | uninsured deposits leaving, expense ratio p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense ratio p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 0 |  | expense ratio p90, capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 | construction >100% equity | capital falling |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 3 | expense ratio p90, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 5 | capital falling, losing money |  |
| 2023-09 | 8 | wholesale funding >15%, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving | capital falling |
| 2023-12 | 5 |  | charge-offs p90, losing money, securities losses >30% of equity |
| 2024-03 | 5 | charge-offs p90, assets shrinking | construction >100% equity, expense ratio p90 |
| 2024-06 | 5 | losing money | wholesale funding >15% |
| 2024-09 | 2 |  | deposits shrinking, uninsured deposits leaving, charge-offs p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | capital falling, expense ratio p90 |  |
| 2025-06 | 2 | NIM <2.5% | assets shrinking, capital falling, expense ratio p90 |

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

- 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
- 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
- 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
- 2020-01-11 [John R. Davis Obituary Jan 11, 2020 - Park Lawn Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE96QnI1aHN0WDJXbFAwSnR6dllrWWNuWG03cHR3dXdUUC01WjdJT3BITzQ4WEMzSHVUdGNXcXVXbEE0bXB1amRmc2NFb3c2UGg4MHV4dHhhQ3dxTi1fMW5Qbkk0ejl6dGs?oc=5) · Park Lawn Funeral Homes
- 2024-04-17 [This former KC area courthouse held onto Confederate leanings long after the Civil War - kansascity.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9SeGlVeDE4VkUxcG5fTkFsQTllamhWTWNFQXlhUnRodzNIYVVMNVJ5RGt0akVTWjU5ZzlnaURhUjdURk5kN1ZKNzFfaWw5NW1EN2NCRWlPU2NNcXhLNHh5cGQ4NlZMOXI0ZkNZ0gFrQVVfeXFMUHlkdjB3dDBQZnFFMHFBTW1fNzA2YXVaT2xMZHhVSUhHb1k2bFFpbFgwUlg3cVBjWTlBYW05clRnaXdrMW85clVWWGR6ZTdNaUF5YVh1ZHlILVdHOWhWUTVwdkRoN1lyeUt3Wk0?oc=5) · kansascity.com
- 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
- 2011-12-21 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE14WWhhTXB0ZUZNNmsxaktTQ2tleFZBbExrVUlmUHlubXFNblk5YzBnZjlfN1QwNDZnQjdfc0c4RzV0X3lWand5NWJwRllhd1l4THV2YlZJdi1UaG92Q3BCSXA2d3ZPX01tSk1tU0M1ejVGdw?oc=5) · Department of Justice (.gov)
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29764 (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/4.json (key "29764", 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