# BANKLIBERTY
LIBERTY, MO · FDIC certificate 30817 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $581.5M | |
| Deposits | $466.7M | |
| Loans and leases | $387.4M | |
| Total equity | $109.4M | |
| Loans / deposits | 82.96% (p44 of band) | 85.55% |
| Liquid assets / assets | 17.37% (p30 of band) | |
| Uninsured deposits / deposits | 16.43% (p26 of band) | 22.02% |
| Brokered deposits | 0.43% | |
| Wholesale funding | 1.07% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.16% (p60 of band) | 10.66% |
| Unrealized securities loss / equity | 0.05% (p20 of band) | 0.93% |
| AOCI / equity | 0.05% (p9 of band) | |
| ROA (annualized) | 1.47% (p74 of band) | 1.13% |
| Net interest margin | 4.65% (p92 of band) | 3.75% |
| Efficiency ratio | 56.39% (p23 of band) | |
| Noncurrent loans | 0.03% (p10 of band) | 0.53% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 223.48% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 28.02% (p37 of band) | |
| Auto loans | $491,000 (0.13% of loans; DQ 0.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 3 | loans exceed deposits, reserve under noncurrent |  |
| 2012-03 | 4 | deposits shrinking |  |
| 2012-06 | 3 |  | deposits shrinking |
| 2012-09 | 5 | deposits shrinking, assets shrinking |  |
| 2012-12 | 2 |  | wholesale funding >15%, deposits shrinking, assets shrinking |
| 2013-03 | 2 | assets shrinking | loans exceed deposits |
| 2013-06 | 1 |  | assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | liquid assets <10%, capital falling | assets shrinking |
| 2016-03 | 3 |  |  |
| 2016-06 | 0 |  | deposits shrinking, liquid assets <10%, capital falling |
| 2016-09 | 1 | liquid assets <10% |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | liquid assets <10% |
| 2017-06 | 2 | liquid assets <10% |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 2 | loans exceed deposits |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 0 |  | liquid assets <10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | liquid assets <10% |  |
| 2019-03 | 0 |  | liquid assets <10% |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |

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

- 2025-10-13 [Central Bank of St. Louis parent plans to go public, eyes acquisitions to fuel growth - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPNmhCV3RGbGRBUTNEbU9TOEE5VWxTVmtLQjlKSDM0WDZtT29BMjVmR3gzX2s2Y0ViS2FZN1F6RkZxUnA0TmRlSU1UcDN1LXVaOVZFZFZ2TV9YbG9WeHZwSmlYaHJoY0VwenhLUElOVHN3NVBac0pLTFRnamNmVXhCTmJsN3BIaVU5QVBZdXpfaHFHckE?oc=5) · The Business Journals
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2022-07-11 [Robert Kelly Obituary Jul 11, 2022 - Park Lawn Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1oMlJNTlpWNDNMNGt5NVFMSldpTXc1cExpYXNHcGZOV1pZZ1ZHcjVLcEhTb2pKdFdjYXA4VzFHakZ5TlFiQ3dyeTBqTVliNkdWUTk4RkRleUFYYzNyYnMwdzB3aklFZ1k?oc=5) · Park Lawn Funeral Homes
- 2025-10-13 [Central Bank parent plans to go public, fueling its acquisitive history - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVkQwOHJuWlRSZmZqVEVFSGdUbTJuOGVJdVZUMDBhUFlzbXo0amNudG1ob29nTGwxdHZIcWxDeWlqUkpqQmF5OFBOU1VheEFicExwZzRLY0UzZ2VXUTYxeEFxc0dUN1I4eXZnV3ZaUkdxd2s4Q3VYbUE4R2pIMllaMFVLaExkWjA4R2IxbHFPaEpQZ1Z1STJ3?oc=5) · The Business Journals
- 2019-04-11 [Behind the Deal: Central Bank's acquisition of BankLiberty - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNGhxdHFFVmlmZVBJYTZGaUVpV0tmb1gycDNCeVF5MjczUjhqYU5RUXEwYkFUdDhHRG5SVmRQNTFEaG8wY1Bna3RlMDBKVENsSGNOTm93S2gtYmNEcUxyUDRLVmN1Qm5qamlJSU9nS0NyWlhhQnhFSFBkUVgwX3lEMFQ0cG1rRVBIbWtMLVVBQkNlMlVxbGwyMmd0ZkZJVTlKZVVoUjFjT2NKV0E?oc=5) · The Business Journals
- 2015-06-10 [Advance fair tickets to go on sale - The Platte County Citizen](https://news.google.com/rss/articles/CBMib0FVX3lxTE5mb0ZZa3Y4eEZ3MTJEUGQ4WXNWZ3pBRWVkcl9abHMwWmdsOXRLM0RjUnhxUElLdnRZaDdoMkRBbkRTdzNoYXNHNlpuY2ZveU9mdVpkUjdnOTV0bS1faTFhM3k2eUFsYmJjVXM1X1lqcw?oc=5) · The Platte County Citizen
- 2019-09-27 [Behind the Deal: How Central Bank's Northland presence went from lacking to dominant - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNckgtS1RubWRJNzVVVmszcjRkWTI4NmFFVGNUVHRfNFpEUFJYTllXWW1GNmJCa1VRSUdzMk1hOUs0V3ZPOHlTLUJUT3hGNC13MFpYX1BLY21EYVdqOG9FOEthLWI5SDJteTdfbnZ0NkJwWXNGZXZzdzhleDc3RlZ3RFZZYTRIWjRpVEdRRDFTMmtQbnpQVEZEbHNmNklHMnhYNV9sY1hHSzFHWGFBbEpV?oc=5) · The Business Journals
- 2023-05-31 [Hawthorn Bank's new CEO explains what drew him to the bank and his plans for the KC market - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVEU4MTFtZHdXQmhhakpPZk1zM291V0dIWDl4djJJNkE1Y0JTSlBUYjJtYWc1SGx2dm5Hd2tVVGZDc25GNDNzaW9UdFlaczk3ZnI0WUVuNzFRTUlJRDZjYzZMSkhaUldGS2xfQnBISW1VVGVrN2VyOUVZVHdHaWRjSDRDU1lXQU1qZUxYcldwaGh1X1BGb2hQSDEtd05LbU1ibkdQTUtkTQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30817 (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/33.json (key "30817", 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