# BRANSON BANK
BRANSON, MO · FDIC certificate 35420 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $414.1M | |
| Deposits | $372.9M | |
| Loans and leases | $359.1M | |
| Total equity | $37.5M | |
| Loans / deposits | 95.13% (p82 of band) | 82.04% |
| Liquid assets / assets | 8.11% (p2 of band) | |
| Uninsured deposits / deposits | 22.69% (p39 of band) | 25.97% |
| Brokered deposits | 2.44% | |
| Wholesale funding | 2.44% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.20% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -0.27% (p93 of band) | -8.10% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 1.45% (p61 of band) | 1.28% |
| Net interest margin | 4.65% (p86 of band) | 3.91% |
| Efficiency ratio | 61.61% (p51 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 197.00% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 63.44% (p67 of band) | |
| Auto loans | $9.9M (2.75% of loans; DQ 0.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, construction >100% equity |  |
| 2011-06 | 3 | liquid assets <10% |  |
| 2011-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | construction >100% equity |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | construction >100% equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | liquid assets <10% |  |
| 2015-03 | 0 |  | reserve under noncurrent, liquid assets <10% |
| 2015-06 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2015-09 | 2 | capital falling | reserve under noncurrent |
| 2015-12 | 0 |  | construction >100% equity, capital falling |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | construction >100% equity |  |
| 2016-12 | 0 |  | charge-offs p90, construction >100% equity |
| 2017-03 | 1 | liquid assets <10% |  |
| 2017-06 | 0 |  | liquid assets <10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | liquid assets <10% |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | liquid assets <10% |
| 2024-12 | 1 | liquid assets <10% | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | liquid assets <10% |
| 2026-03 | 1 | liquid assets <10% | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-04-01 [Branson Bank Names New President - KRZK 106.3](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdVkxaUFkRS1DM2pZV0loVV9oSEZyRGZ0QTZrNlFsSjJwSUJoeEx2ak1iSERFM21vem41SXA2WXdrUTI4T0FnaXN4c3V2X2MxZUZieXc1aGUwRWlodXExTTJjcTRLMGdYM1ozd0FmcEpmTGZXeHNhR1ctSmRQZ0c1aGR3?oc=5) · KRZK 106.3
- 2026-03-31 [Branson Bank appoints new president - Springfield Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTE8tUkdFS3MtZTZnOVBJVUdURTY5cmRPbENfS1Bta01vY25TTXIzQkVtdGtHWThXbUJHdGNGSTJ1d1ZvMXd0MXNBTU9kZ2N0b3Z1cEJYNndsSTVuUm9HLTRwWHcwWXBuV1UxdjRaZDdoRGVDZEU5?oc=5) · Springfield Business Journal
- 2026-02-25 [Branson Bank has a new Vice President, Loan Operations Officer - Branson Tri-Lakes News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPWnY3RkxxVU9tSVRlWUcxRXVjNW9LbWF4UFpDdldreWhnNHphOXhRT0VaN1JXVE9JVldyd3R0QTFaT2szMngwTVFuX3N1Q0RlcU1Lc1k3N20tMHh2VWhZbWQwbk5wTUhYRkliUHBmOWpzNkwtcDM3NDJ3UlZWMEhLd3BwN3hHWEh1M29vWlo0TVpRZGVoYTJaZlhsY04?oc=5) · Branson Tri-Lakes News
- 2025-10-15 [Branson Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBxZk1tQXJMQTNCTlZIcld3ZFpvNnN5bm9zNWpKU05tX01fWk5JYTlnbnhZXzVqLVZBcDVMdFJyd0Uyd1N5aWZfZGtiQ1RocV92LUVLTExR?oc=5) · Springfield Business Journal
- 2025-10-01 [Special Ceremony to Honor Milestone Branson Bank Veteran of the Quarter - KRZK 106.3](https://news.google.com/rss/articles/CBMitgFBVV95cUxOcWFyR2lZdlRqNWUxbFZsanRXcFZUVFNfTUxIYXJDY3RMOGxRRGx3eF9XejVlRDRvU1oxb0VTOXQzYS1JMU95SmppSmI0Y2JPdmQxb2RoV2tneG00WmYzYlJZX2dPb05Ub2ZtWWtUWHRWSUVqSEJmSFFiZXhrazRVQnNBQ0lISzl5dFRQY2pIUVMxem1IMVI0UVJWMm1xbzRmYXlIOUhTSHBLRzZSMnkyblNKN0pfUQ?oc=5) · KRZK 106.3
- 2016-06-29 [Judge gives lenient sentence to old man who robbed Branson bank for health care - Springfield News-Leader](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNWEROMlhOSzNWY0xCSy1LUnJRbVBVeWJ3R0ttS3BMbFRYXzBjc09uQU9kRXBVcE5zSm9NRnVQXzF2ZV9ZRExER2lNQ0NyRmdxUnZVZjA0UDd5V2RPTEI1cl9tbUppQmp5cjFEdENVUC1STjQ4Y1hVT2R2bXBsVlJ4eGdyTU5iZnFDSnlFaUpwTEhMZkVPaUg3OE4wdXdZV1g0YWFhTy0xQmxpWmx0SFR5TFQ5QmxyeVpKRnJsSVdULTQ2TENZM011QjVPT1RpaTh4ZFlLSw?oc=5) · Springfield News-Leader
- 2023-05-22 [Four men from Texas arrested after string of ATM robberies, including Branson, Mo. bank - KFVS12](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWGhVcjdoSEFheXFhNVlmb3VoekxRQW96OERTRi1sWUEwLVh3N2tuUURwcWN2TzNmUWRhYVUyclRBdGdGWjBHaHQxZERGazFLRGdEa1U2ODZtQnBZdFA4Uk1uRGt3SVZpeGJXaGhzcEZMcDB1d1hQb3FPZ2hnb3ZGRjVfQ2Q5YnBlVDVyc2ltMmtwVjNTbERmbkhYMlhtQUNDQ0lkb0RvX0Fvd1lxalFjX9IBxAFBVV95cUxQUWpQOUZTeWMxNGtvM1lQVFBXM28xaGV3UW83R2hlaU1mejJrMk9TbmRNNm5SUjdIVzdwU0FvY1BCWmpLWnY1b2tsRnpuNTJfM1FiSDk0NWNhaU5BdC1LTDhJcDZ1QzNQZXExbThNSTZzSXQ3WVk1dFl3TjlnSTlybXVNWUZPZkZGVjRpXzdWMkpFOFJhT2ZVeWVfVlplU0s1LVJONVhmLXh1bTFHeHR5TVpVS0VqREVhLVN6UVJOWFppbUJp?oc=5) · KFVS12
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35420 (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/28.json (key "35420", 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