# ROCKWOOD BANK
EUREKA, MO · FDIC certificate 32745 · asset band <$300M · latest filing 2021-03 · 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 | $290.2M | |
| Deposits | $248.7M | |
| Loans and leases | $174.8M | |
| Total equity | $41.0M | |
| Loans / deposits | 70.24% (p62 of band) | 64.60% |
| Liquid assets / assets | 26.75% (p19 of band) | |
| Uninsured deposits / deposits | 15.18% (p38 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.99% (p57 of band) | 10.53% |
| Unrealized securities loss / equity | 0.00% (p29 of band) | 0.67% |
| AOCI / equity | 0.00% (p90 of band) | |
| ROA (annualized) | 1.83% (p83 of band) | 1.00% |
| Net interest margin | 3.70% (p70 of band) | 3.26% |
| Efficiency ratio | 44.89% (p7 of band) | |
| Noncurrent loans | 0.09% (p31 of band) | 0.41% |
| Net charge-offs (annualized) | -0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 25.15% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 96.32% (p96 of band) | |
| Auto loans | $615,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.6% | |
| Employees | 45 | |

## 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 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | losing money | reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | deposits shrinking |
| 2013-06 | 0 |  | assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 1 | charge-offs p90 | construction >100% equity |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 1 | deposits shrinking |  |
| 2018-09 | 1 | charge-offs p90 | deposits shrinking |
| 2018-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 3 | liquid assets <10% | charge-offs p90, uninsured deposits leaving |
| 2019-06 | 1 |  | assets shrinking, liquid assets <10% |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 2 | capital falling, construction >100% equity |  |
| 2020-12 | 2 | NIM <2.5%, reserve under noncurrent | capital falling, construction >100% equity |
| 2021-03 | 1 |  | NIM <2.5% |

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

- 2020-12-01 [St. Louis' Lindell Bank completes purchase of Rockwood Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUTJ2UnVHai03QUVGTkFtVjJFdzBURDE0ZzlNWkdKOEpOUkgyNzN4RnA4dGdYY0Y1UGpHN21tcndyMlJYTFhoNDhKREZXX0FCUmhuaWdIUm1TNmxXWE1ZMnRvVkl4cEpDYkJjanlmeFhlY3d6YXVHZUFscVVaYzdHb09ZbW1VVnhEYlB5UlZrMEMxakh4a0ZZYlQ1LUw2V3dYU0dPajlldkg?oc=5) · The Business Journals
- 2020-11-24 [BKD Capital Advisors Advises Rockwood Bancshares, Inc. on Merger - GlobeNewswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxQYnZBOTVXaFJXamFTaVp0VkpQQkFrWEo1R2VaVDE1cFNPQ2pVMnpNeE51NXBodGo4a3FUX3RjVDZBa19KQTJZTmJBa1Y4UjNvOFB2VjZvU2ZobmY2elJvMWJBcnZ5VVF1Njc1REl4UFJpYmpsVGRUOFdodk1iZHZ0QkVSaXBhbHhWSmxMMmh4ZlZPdGZKcmdJd0p3N1ZEdHZvamhjYWxDZ3lZanQtbGFvWWt1Rk9WWlRuc3FId3hYd2cyM1ptSmJic3NxVjNSMjg?oc=5) · GlobeNewswire
- 2023-06-30 [Webb, Christopher W. - Kutis Funeral Home Inc](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1BclpQOHJBUlRJc1FoLXBDQ2NsRk5rXzFkc2lpU0VLa2ZEOW12eTN5ZkM5eHNSb1pBRy1XQzV4eTlVM2drTldXMkhjSGlxS21FUF81YzFkaVhfMll0S2c?oc=5) · Kutis Funeral Home Inc
- 2014-06-24 [Isla Del Sol causeway slated for construction - LakeExpo.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQb0hxdXFEWnJzV1pXNm02R09pdjMyLTNQVnFNN1lDMkdFRDdDU1RnSUE1N1ZLTTJLMjMzcWdGRGNIOXhpY2hObHdha21yZTlUOXhiTVdpQzY4Q29ENU45c19aOW9CdzdYcE92dHBSTTBMX1R1bGRPaGFNcDZ1WVpfWHdKRHVEZ3VZWFNMUVdLamdNSDRlOWVWazFmdkNCTTlQaFhqeUdXZjhwaFhlQm9WOHBXN3d1OTYybk9fb2dKeUttZEVpTURSR1lmZzJUbXJM?oc=5) · LakeExpo.com
- 2026-02-11 [Joseph Lunt Obituary (1950 - 2026) - Ballwin, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRlhKVkYwbk1jZm5uclI4OUNDMkpoeVlCSEhDM3pDcGRmSDE5TTJhVW96SFFuSXRtSmJCTmlsT1lTTVZNQnJxOG1uN0JGNTRPZlhTZ3VrbTNNM2Vib1VyRmVLS0VMMk5qcmN5bHVwVTBlRzFBaFNhcURnRlI3YW9mMktyWkVHQTR2N3pF?oc=5) · legacy.com
- 2020-01-22 [What bank mergers in St. Louis and elsewhere portend for 2020 - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdllhUjBNemtMYURmQVpXNmRYSmoyT2lJcHZkWjhDSmY3N0VOUXJFZHVpMHRLRHRxVzRNMDE3VlZmVWlqMXFkYnVZU2lRQnZMRW1PTkY3Q3RvUk5tZXRPQTYtcThyM2NXTkdGVWtPQ2s5cVNJdEhtb01sV1hJYnVkNTlIeW8xaVB6TTdSTlVtcG1lOTY2NU5UUlc0SnFKZHZITHc?oc=5) · The Business Journals
- 2011-09-02 [Potential Isla Del Sol causeway sparks debate - Enterprise News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNV0pMU3NKZTRGdmZRVFB1THZrTVF1ME4wR0xkaE5WdkUydThhQlZheTFxZWE0dHBwbVY1YkdxU2k0bjBtdVJWdWtValN5bWwxdVVMQktkeTNEOVhjWm9UczNPT2pfRXNja3R6WjZ1VVIzcV9wRHlRNEtiNWNCVmpvbl9tdWgtNlhmUFRNZ2lkWFFfTTQ2TWh1NC00bEdCenVJd1ZXd2wwd3VYcXd5Y2VhWl9xXzVXZ2li?oc=5) · Enterprise News
- 2013-01-17 [Causeway resurfaces at Isla del Sol - LakeExpo.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVnhESWhBVGFCdVBweG1QclJMRDU0alNQZDJkVWcyV2JaU29QYnFrdnVISVdURlZlNlZ1ZTB5ZC1sMEZTQkVCWktDejZtdjdqQzhPX0RQcDNTMzBlQnVXQmthOWdlM0wweXc3ZDYyRkk4c21oMjBub0h2RXZJVzAwMll3NGNNR2JyUXhhNDVOTkFxbDNwekkyTnRlR1pzNkl0SXlER3llQk1yT29XNmlfOG54WjlEWWpDNDVmSTFCd3hZSk0?oc=5) · LakeExpo.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32745 (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/41.json (key "32745", 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