# 1ST CAMERON STATE BANK
CAMERON, MO · FDIC certificate 32487 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $71.4M | |
| Deposits | $54.7M | |
| Loans and leases | $20.5M | |
| Total equity | $5.5M | |
| Loans / deposits | 36.96% (p13 of band) | 63.26% |
| Liquid assets / assets | 70.38% (p92 of band) | |
| Uninsured deposits / deposits | 16.88% (p42 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.43% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.87% (p7 of band) | 10.61% |
| Unrealized securities loss / equity | -0.96% (p11 of band) | 0.71% |
| AOCI / equity | 0.00% (p88 of band) | |
| ROA (annualized) | 0.02% (p6 of band) | 1.03% |
| Net interest margin | 1.92% (p7 of band) | 3.29% |
| Efficiency ratio | 101.46% (p95 of band) | |
| Noncurrent loans | 0.84% (p70 of band) | 0.32% |
| Net charge-offs (annualized) | -0.01% (p24 of band) | |
| Reserve coverage of noncurrent | 144.19% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 2.38% (p25 of band) | |
| Auto loans | $368,000 (1.80% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.4% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2015-06 | 1 |  | capital falling, losing money |
| 2015-09 | 0 |  | expense ratio p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | wholesale funding >15% |  |
| 2016-06 | 1 | capital falling | wholesale funding >15% |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 3 | NIM <2.5% |  |
| 2017-06 | 1 |  | capital falling, NIM <2.5% |
| 2017-09 | 0 |  | wholesale funding >15% |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2018-12 | 2 | deposits shrinking, uninsured deposits leaving | wholesale funding >15%, reserve under noncurrent |
| 2019-03 | 2 | assets shrinking | uninsured deposits leaving |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking |
| 2019-09 | 1 | assets shrinking |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | reserve under noncurrent | assets shrinking |
| 2020-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 0 |  | wholesale funding >15%, capital falling |
| 2021-03 | 2 | expense ratio p90, NIM <2.5% |  |
| 2021-06 | 4 | wholesale funding >15%, capital falling |  |
| 2021-09 | 4 |  |  |

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

- 2021-09-13 [BTC Bank announces purchase of 1st Cameron State Bank - KTTN](https://news.google.com/rss/articles/CBMigAFBVV95cUxQR0Nkc28ta3E4WE5rQ2pIRkJkX0ZGMWJZOHc3LUVrUEJ6dUc0aVk2TktpeW53UW1SdU03enFOeXcxZnhTVTJBcVNyNWc4SE0tYTZLWmIySmY4UU1kSV85dGx2VnNWVWQ0OFJNZWVnVFZqck1jTm1HWGUzRV9PUFdYNA?oc=5) · KTTN
- 2022-10-21 [BTC Bank acquires Merchants and Farmers Bank; Community Bank of Marshall picks up The Corder Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPa2J0NDBWOVFfU0F1ZXZHMEtFbE9MVXJscVhSTy04RFl0VGlELXNZRURkUlhnMjRrRFZrZjh3Q2oxbElDNEt1alduRDlKOWpuR0c2aFl4UFB4OU5kX1pVRjJHY2QxNGlvMGEtLTVaaThjNG1nQ0t3ZHczamU5VDZrWWFxbnVCeTBRR3Raa3FlRHpTSE0tc0FUMURZZnVnMnBORXlfUkdn?oc=5) · The Business Journals
- 2022-08-01 [BTC Bank announces the purchase of Merchants and Farmers Bank - KTTN](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVkRGMTZvbE1hc2JZWUZzVEdZNEg2NXA0dHZKSDFJMjRXRzhRZzEwNno3Q253YzBCN2w4MXdsSzlKRE9FTk9yNmlXNEZQS285ODRHYjdDSm1PamJ6Z003SVRjT05jSTI4c0Rka0JuS2k4ZUZJOTNjZV83Z1p0Y2JyVjB2XzZEcGxYWktJ?oc=5) · KTTN
- 2021-10-21 [Wade Dixon to lead BTC Bank in Jamesport and Gilman City - KTTN](https://news.google.com/rss/articles/CBMihgFBVV95cUxNYS1OcTNGcHdJRTRsdXh1SmliTVZoMlRST0JsX3JKMG9RTEdtZGV0V2JWQWY4MWxWZkFCU2FITWhnR2RObUJNeVloSzVfaEdBNTI0QThyNGdDUkZuZVZTaDRnR2hnei1HN1hwX05paVBtR3dmT2VweHZzVnVOb3ZOaDV5VHpMZw?oc=5) · KTTN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32487 (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/39.json (key "32487", 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