# OLD MISSOURI BANK
SPRINGFIELD, MO · FDIC certificate 35213 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $177.6M | |
| Deposits | $148.2M | |
| Loans and leases | $160.3M | |
| Total equity | $15.8M | |
| Loans / deposits | 106.74% (p97 of band) | 71.36% |
| Liquid assets / assets | 7.69% (p2 of band) | |
| Uninsured deposits / deposits | 12.95% (p51 of band) | 12.72% |
| Brokered deposits | 5.76% | |
| Wholesale funding | 13.02% (p89 of band) | |
| FHLB advances / assets | 7.06% | |
| Tier 1 leverage | 8.74% (p17 of band) | 10.52% |
| Unrealized securities loss / equity | -0.75% (p25 of band) | 0.17% |
| AOCI / equity | 0.61% (p39 of band) | |
| ROA (annualized) | 0.89% (p56 of band) | 0.81% |
| Net interest margin | 4.45% (p87 of band) | 3.65% |
| Efficiency ratio | 59.58% (p18 of band) | |
| Noncurrent loans | 0.33% (p30 of band) | 0.86% |
| Net charge-offs (annualized) | 0.32% (p89 of band) | |
| Reserve coverage of noncurrent | 387.13% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 44.86% (p78 of band) | |
| Auto loans | $2.6M (1.62% of loans; DQ 0.96%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (11% of equity) (p99 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | loans exceed deposits |
| 2012-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-06 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2013-09 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2014-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 3 | capital falling | charge-offs p90 |

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

- 2025-09-23 [Former Springfield bank executive facing charges of embezzlement - KY3](https://news.google.com/rss/articles/CBMimAFBVV95cUxPMnppdGVlaEFNOTZLN05UeElDYVpkekZaZ0xXVWRjZ0NXMHFFbGt3UTlGR0hXVy1SSnYwYWZBSVdRMTQ3aWZzdHVCUFRLQnZ6T3JmSjlSTE1iRGp6NWpPUlJ0bWc2S3Z5OUdvb0RLRUhJaEtvQ2Z3U3JTdzlWOVo2TWdGclZvcU5mYTl0NElfRGhIek10Ri1pUA?oc=5) · KY3
- 2023-04-26 [Old Missouri Bank rebrands - Springfield Business Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1YYTVzc0piME4zMlBKR3VyNmhaWFdJcDlVaGdza1RrbXQxYW9JcE4xNkx1N0ZBdlBuQUVveThiTng1T1NnRjZxZjlXcVlZb0xFWHhpdFAzemp5b0dSSDVFMWlIM0QtUE0?oc=5) · Springfield Business Journal
- 2019-03-02 [Old Missouri Bank open for business at new banking facility - Lawrence County Record](https://news.google.com/rss/articles/CBMinwFBVV95cUxQRV9NR3FzT3FrdnQ0dkdZdGdyNkRRYVdvM3JQbFZpbVRWdHAtMWRqYnpXY1FCM2t3azZTWnpxMy1IcmVNdWxhX0VGSnh1NzU4N3AxdEl2QWk1MS1hNWNJdE5uUlZoNUZFOFdIMmtubGNxdVBEMHh5VFZTNlJyV1BkNTh5WlFOcHBncngyQnAyVVk2bW5SbHlFUHRuSF9mSXc?oc=5) · Lawrence County Record
- 2021-06-12 [OMB is on the move - Buffalo Reflex](https://news.google.com/rss/articles/CBMiakFVX3lxTFBaTXRZamtGb1VmSE1Ndno0eV9iaWVVcUM4bVBZOUNlRERqdnYtVllFY1I2ampOZVpRd2RqcFM5dVQxSzZTUkhzRm43STJGbGNDZmtkbnBBbWIxTm1qZXNDV1BHbUVFOXF5NUE?oc=5) · Buffalo Reflex
- 2023-07-25 [Warrant issued after 78-year-old Missouri bank robbery suspect fails to appear - FOX4KC.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNVW11bVFzVVhNbmQ0TGxRNUZsNGJSRThReFZuY2xxbTFXYlZNYVNqeWhNU3BJOEN1clN2MWNxOFNqbDdiaGI3ejFzY3oybE1rV3FxMFljNTY2NDZuNXhhZ0kyOEtVWnR5RDhnQlYteDFIa003UEw1Sms0RkdXanp2V3ZiZ2tvc2dvcHBCbEpBR24yQzR1Z0Y3OERfenhGLTRhN2JUeWN5SmlLQXRpTXRWU1FWV0lnNVd00gG-AUFVX3lxTE16LWR4ZVREWnRWVU9jZ1owdlRvNXBwd1NtbHp5Q1UwQ3l2dy1feXFFRWdTUFJiOHd0LUV2dm83RkxJYlZlVThncHVPWXFLNUxueVNZRTFFTkZBMkRxamZERlk1Sm83bGpiZ0lvcWJoTHY4WmU1R1lydGNKSnNYZlhNWVM3Ykh4d05GM1lodmtycm94U21RTjJKdjFNWnpYbWJNV3JXYndMamlUZEc0dzRUcWVHaXgzeWtidkJ3eEE?oc=5) · FOX4KC.com
- 2022-05-19 [Best 3-Month CD Rates for September 2026: Quick Deals Up to 5.00% - Investopedia](https://news.google.com/rss/articles/CBMiakFVX3lxTFBua0lmeGNTcFhqNG9zQlFSSktrdTduRDNiVHo5UXBPVTlPeVhGTHZCLXRIU00xTWhTZFMwSVF5amhBc0d6aGZ5VF9PVm5RdHlEVlV0aWhINUN2VEgtRG5QcVY5aDBsS0prSGc?oc=5) · Investopedia
- 2022-02-28 [Open for Business: Old Missouri Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMic0FVX3lxTE5FU3NVeDBMczJnQ3BWcVlEc2hKWVZRMUc4UGc4bkJPRFpnY2ZoamlUYldVSG5jTzQ1VXRTWlpqbTdqUzA5Z3B0QzNVYkd5bkh4VkZvbU5oRW9UTW9BVU53VmFfY3FDMnBfMUp6N0pITDBPSHM?oc=5) · Springfield Business Journal
- 2021-04-30 [Best Dressed Winner: Connie Gold - 417 Magazine](https://news.google.com/rss/articles/CBMikgFBVV95cUxNWnplUGJ6U1pwRURxcU1OU1VpdlBYUGxBWHhoMVRsNVNONDZuamJITlBIV1BnT0dHamtCODdpT2t1VUJFcjJpeDB4VVNKdjc0c0h4M29HbG40UHkzdzU1MlFUWTR0bWpicVZrVklDejBISGlwZS1fRmc1dHBWdHhOVmxLNWU1NGZoeGV0MVlLM29Odw?oc=5) · 417 Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35213 (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/13.json (key "35213", 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