# LANDMARK BANK
CLINTON, LA · FDIC certificate 307 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $229.8M | |
| Deposits | $204.0M | |
| Loans and leases | $167.9M | |
| Total equity | $24.9M | |
| Loans / deposits | 81.43% (p65 of band) | 73.59% |
| Liquid assets / assets | 19.44% (p21 of band) | |
| Uninsured deposits / deposits | 30.10% (p82 of band) | 19.81% |
| Brokered deposits | 2.57% | |
| Wholesale funding | 2.57% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.46% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -7.14% (p48 of band) | -6.57% |
| AOCI / equity | -0.86% (p31 of band) | |
| ROA (annualized) | 0.72% (p26 of band) | 1.17% |
| Net interest margin | 4.46% (p75 of band) | 3.93% |
| Efficiency ratio | 76.30% (p72 of band) | |
| Noncurrent loans | 1.91% (p84 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 57.31% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 88.74% (p92 of band) | |
| Auto loans | $135,000 (0.08% of loans; DQ 5.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | capital falling | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | reserve under noncurrent | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | capital falling, noncurrent p90 |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | capital falling, charge-offs p90 |  |
| 2018-06 | 3 |  | noncurrent p90, capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | charge-offs p90 |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 3 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 4 | uninsured deposits leaving |  |
| 2020-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | construction >100% equity |
| 2021-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | reserve under noncurrent |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | capital falling, noncurrent p90, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 4 |  | charge-offs p90 |
| 2023-09 | 3 | charge-offs p90 | construction >100% equity, capital falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | capital falling, losing money | charge-offs p90 |
| 2024-06 | 2 |  | capital falling, losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2025-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-09 | 2 | construction >100% equity | charge-offs p90 |
| 2025-12 | 1 |  | construction >100% equity |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-06-16 [Colliers Facilitates $210 Million Receivership Sale of Landmark Los Angeles Office Tower, Bank of America Plaza - Colliers](https://news.google.com/rss/articles/CBMivwFBVV95cUxPd3pUYUhHTExOVW13bEVkV1FwV0lwNkVOekpibmxSdy1RaTBTTGM1Y2l4eEJsNG9PS2tBaThUeU1hRFdhVjFKWGVhaXdCbHd4U1YwcWstam5uTVlPRzYzYVhsVkJLdldpcW1fWFhOeUNJQmpiNFBKaEFYdURBbEtJUGx2YUhnRmd5amdTNzRocVhSTXVwUXFTdVpxLUszS3NMN00tc3E1WlBQUVJwYzhvTUtxUEFNWHh1YXZsN3Bndw?oc=5) · Colliers
- 2026-01-09 [This bank plans to expand its footprint into Baton Rouge - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMinAFBVV95cUxQdFZUV3JacFRGdThCWXdNbWMyenJOa0VaZlEwalI1cGxOVTQ3N2c3bWUycUFBTWNDNXQxcTVtVDFUeFRCbktqVzB2NDNRZjFCc2tYeUtEck1MLXVUQ3d2WUZRVUJSb1F6WEg4OFpzQk5qUGpjYzBZazlzVDVYSnFKU0ZTQmRnWG51M0lpZ3Nxc2ZfaUtKWXBqT2trb1jSAaQBQVVfeXFMT0N5RGVZdEhpY1VQYXVqYXU2YzN0S2t6b3ZDMTdkQjYwVnl5YnNNaVkxR1RyNXh2OThpX0pwQmVnTDVsWGV3R00wTHZYbkNtWkpTeFFxVWJyNHVLVE10alBuQzVBbmhQYUpCcmRTZzVPdnpaSjFwMTI5XzNuV0x2cEtrUm90QXlacFc4azJMT0MtMXpudktBaGtZMWR2NV9PTjFmRHA?oc=5) · Baton Rouge Business Report
- 2020-02-14 [Landmark Bank to complete merger with Simmons, change its name Tuesday - Columbia Missourian](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOWjlxeFFxUFM2MVFHaWJDX0h3UHZmUFNfRElyNmY1NmZ3X1dhYklpdnNqUThzVjZ1WnFwWWtacVFWM25mekpBNk5YbFlWLVM1OHAtcDVBYUw1LUF0Z1poUkQxNFpUTjB2enV1V1EwdUk5ak9XNWt6dHBEWnNfUnFPNF85VHd6V2VVbTdMTjQ2akNIVmhTZE5iTllBX0hIWDMwUk9XLVhBRjIxX2ZTVXprbHFEVjJqVllKRlFxemVjd3JrRUVQS09PVk1qYmNSVTd0bDlLYXdvLWpPa0h6R2FFQW5wWFpiNmJEMl9IOUQycmk2eW9NZGxXZQ?oc=5) · Columbia Missourian
- 2024-03-04 [Landmark National Bank finds its next CEO in the KC area - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOcFFMSWxfNUxmQTBraThZZzdGaDN1ME5sWnN0dkMzTVRLcEtEd2dsa2NEeHl1c255M1pPUUVFSVY0dEE4U3NpRHFWeFRKRWI5Z0tfejZVZEJQaEVfeDVrM0s5YTVjekxHU1VZVE9CZXZpNXl1VTFQUWh5T3VpZ1dDbVdURUNCeUp5cDluWnExTHFqZnNuN3cyMFUwN0tRSzhQLWYtRXlB?oc=5) · The Business Journals
- 2023-12-01 [Mequon police seek suspect in Landmark Bank robbery - GMToday.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNUmJTZjAwUzJQOFZnV2NBWDBxOXgtRHNJUHhmUXhWOGhCcG1xQ0FfVHkwc3B1amU0aUF3dXA3aktzNWxYd2FacHptODdNeXdlQkdnRzNLdWNfTWhoOG5sYV9BamZTUklaSmwwTWlsNDE1V3hYWF9vVWI2Nm5Lbk5QSWluOFhBelNJOGp1OU5LeENvQktReUdVZW5mLXdPVEdqcnFGR1FNcGZWT3dUZ2hXVFUyTE5aRHdZZ2dtTDBOWl9BX2pmRDJjMElRbnV2YllOOC1fVERmRi1YQjg?oc=5) · GMToday.com
- 2023-04-18 [Landmark Bank opens loan production office in Denham Springs - The Advocate](https://news.google.com/rss/articles/CBMimAJBVV95cUxQMU56NzhQN2tQcGF1ZEZlNVQwczVGNjhZZW0tM1Joa1pjTXI1UkRvcTlrRl8wcTRndHhXdUlWcE4wUGg1YUt4ekljWTdrM1hKVmJsZTZOeVRNanVyczFtOUZBWUhOOEtzMWJmZ1NiU013cXBqQjRrY0o1RGNtTnUtYWZmTEhJbGZjalFsU0FtUG1GN2ltaDk3VDZfS290S2RwN09OekRPSmg2c1NMaUpqQzNnelJDcWJRUnh5amtUYXFrYXllTE8xZWNiYW5JYXI2ajM5WG9vS2NCV3U5V05QOVFuVE01Zkd3T2NVX29IUWROakxYNDdoQnRydGxRNkpVTUUzUzF4cVpsMVNMMVhXVk8wQmZyV0wy?oc=5) · The Advocate
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=307 (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/51.json (key "307", 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