# BANK OF BOLIVAR
BOLIVAR, MO · FDIC certificate 34397 · asset band $300M-1B · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $353.0M | |
| Deposits | $310.5M | |
| Loans and leases | $263.7M | |
| Total equity | $40.0M | |
| Loans / deposits | 84.82% (p55 of band) | 82.55% |
| Liquid assets / assets | 17.23% (p21 of band) | |
| Uninsured deposits / deposits | 17.36% (p25 of band) | 23.22% |
| Brokered deposits | 1.76% | |
| Wholesale funding | 1.95% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.61% (p3 of band) | 10.04% |
| Unrealized securities loss / equity | 0.21% (p13 of band) | 2.80% |
| AOCI / equity | 0.21% (p18 of band) | |
| ROA (annualized) | 0.95% (p44 of band) | 1.04% |
| Net interest margin | 3.34% (p34 of band) | 3.59% |
| Efficiency ratio | 57.06% (p25 of band) | |
| Noncurrent loans | 0.38% (p38 of band) | 0.55% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 31.58% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 43.86% (p56 of band) | |
| Auto loans | $2.8M (1.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.3M (6% of equity) (p95 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **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 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 | capital falling | charge-offs p90 |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2020-06 | 2 |  | NIM <2.5% |

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

- 2019-11-05 [Bank of Missouri parent to buy Bank of Bolivar - Springfield Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUF83bW9kZTA3aG4zaGROSnJpdHdKck1jaGVFaFVBMFB6em1VQmkxOUlGOGZBZUNnTS1say1lUzkwWTZUNE56dW4xRXJrYkJuTXZBdVV2NXVyRnlGbXFVY2VjaTc1Z3pla2o3TlpJZGZGa1RTWkpfSEtmaGNVM21FQnV3?oc=5) · Springfield Business Journal
- 2020-02-28 [Bank of Bolivar has now merged with Bank of Mo. - Buffalo Reflex](https://news.google.com/rss/articles/CBMijgFBVV95cUxNaFVPT2FJUE03NTg5cFFRUW56MnhIanN4MnhWWTAwc1hwc1pHNS0yTXpUYzRDTEc2QjM1cTNqSUt0VDBXR3VjUUptckMwSXVLemN0RlJvMWU5RHpKYnNVUHZ1SlFVMU1ya3R0OUxudGpXSUVDbmFOZWt4YzJBbFdSZ0FZODJXVG1jeUdyNW1R?oc=5) · Buffalo Reflex
- 2020-02-24 [Bank of Missouri completes Bank of Bolivar acquisition - Springfield Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxPR0RpRFl2SDlZdVNuTEY4Zm03RGhxQS01MFNlb0JKcDF6TGd2bnJhQTBwUWpRU0dpN0J1aUtzSjZ3WDVTNzNIMnBlVnNBN0RyYk8yVGJ6OGJwY2VNQ0ZtcnNNRHVQanVUNERNdTNOQzM4bEo3ZXE4OWdMRllIUkVTLWY0TWdLNVVTM3lJWA?oc=5) · Springfield Business Journal
- 2022-02-10 [Robert Kifer (Bolivar)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTFBGZm40d0NXbEN0X2c3RUJ3RnYxaVU5SFNJT1I2c3ktbnNwQ1pqTEhGbHR1OV9EVXc2Mk9nX2hpdHpoTm5IR0VOcjBZMHBUVUxxN2t1NFhMMTVTZUNRd1ROalQ0dFF2NVhBMU9QTnZCNzh6bkpaVnc?oc=5) · Holman-Howe Funeral Homes
- 2021-06-12 [David Cribbs Obituary - Springfield News-Leader](https://news.google.com/rss/articles/CBMiXEFVX3lxTE52LWx0SGc5TDRLTW5YaEVPRTRJS1dQREJmRFE3QUpwNEc1S1lpRndJT21jdl9vM0NjUW05VWdNV2pGelNrb3lta2xZaGFyNlhTbnhudlN1NTVoYXJO?oc=5) · Springfield News-Leader
- 2014-10-15 [Business brief: Boyd named chairman of state banking board - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMingFBVV95cUxORnhIVUNCcTQzd2ZzUDM5UnlmYUlWaUtpNk5SRXNIMmlwZXZfYURDMU1mWnhsNHlMSy1sMmpWSkJIdmh5UlNNWjZCSjk1a3YxRXFNbGx1NG5VWlBpcnVYZThQWEJaVWdzTDY4S2pvVE95T1VCdTdxSDhDdzAxSG1vUGVIY3dyUzh6UEJQT1E4NVpneW05TTBwQXBrYTNpZw?oc=5) · Bolivar Herald Free-Press
- 2023-03-03 [Bank of Missouri appoints Bolivar community president - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPU0dlLTRPczFBdk5SYm9tTDFPZUJGN0FNa2syZnNxTTlURnc5Z294aGhsUXN6MDduZ0NtZUNmeVNtWjBWTDRDQTNONmhzTE0wYjNQV2t0a1QxZjB0QUNZNmEtbTdEWVQyLXp5QVdHTXdFN2lPTWtvclJ3WTJOR0EzX3ptRnhXckJNYl9r?oc=5) · Springfield Business Journal
- 2013-10-03 [Bank of Bolivar receives BKD Award for Excellence & Innovation - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcnRyeHVhZ2lZblM0M0QyeXRsblNFci10ZlIxeWtjX1lPYlpfMjFoSm1ETWRuYXRkbEtfN0FfZlhUMXpQVzVRdUJyN0t1cExmdGUtdVZJODZQUm4yN2RyaWtyekVOaXlyTUN2N2FtY3ZoQ0R1dVV3eGw1dzVJQmVRNW9fMlZGX29tUzAzWVJhM3p4cktBWjVVVXhxSGxYQjZZbGc?oc=5) · Bolivar Herald Free-Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34397 (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/29.json (key "34397", 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