# LANDMARK BANK
COLUMBIA, MO · FDIC certificate 4537 · asset band $1-10B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $3.56B | |
| Deposits | $3.08B | |
| Loans and leases | $1.99B | |
| Total equity | $449.9M | |
| Loans / deposits | 64.64% (p9 of band) | 89.69% |
| Liquid assets / assets | 35.52% (p86 of band) | |
| Uninsured deposits / deposits | 35.98% (p69 of band) | 28.16% |
| Brokered deposits | 10.28% | |
| Wholesale funding | 10.56% (p67 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 8.84% (p13 of band) | 10.32% |
| Unrealized securities loss / equity | 0.06% (p30 of band) | 0.58% |
| AOCI / equity | -0.49% (p3 of band) | |
| ROA (annualized) | -0.01% (p0 of band) | 1.20% |
| Net interest margin | 0.67% (p1 of band) | 3.62% |
| Efficiency ratio | 96.81% (p99 of band) | |
| Noncurrent loans | 0.46% (p49 of band) | 0.48% |
| Net charge-offs (annualized) | 0.01% (p30 of band) | |
| Reserve coverage of noncurrent | 8.99% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 65.99% (p73 of band) | |
| Auto loans | $19.5M (0.98% of loans; DQ 1.18%, NCO 0.00%) | |
| Loans to nondepository financials | $3.2M (1% of equity) (p79 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 564 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | brokered >10% |  |
| 2016-12 | 0 |  | brokered >10% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | brokered >10% |  |
| 2018-03 | 1 | capital falling | brokered >10% |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | brokered >10%, construction >100% equity |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | brokered >10% |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 5 | brokered >10%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent | construction >100% equity |

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

- 2020-02-14 [Landmark Bank to complete merger with Simmons, change its name Tuesday - Columbia Missourian](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOWjlxeFFxUFM2MVFHaWJDX0h3UHZmUFNfRElyNmY1NmZ3X1dhYklpdnNqUThzVjZ1WnFwWWtacVFWM25mekpBNk5YbFlWLVM1OHAtcDVBYUw1LUF0Z1poUkQxNFpUTjB2enV1V1EwdUk5ak9XNWt6dHBEWnNfUnFPNF85VHd6V2VVbTdMTjQ2akNIVmhTZE5iTllBX0hIWDMwUk9XLVhBRjIxX2ZTVXprbHFEVjJqVllKRlFxemVjd3JrRUVQS09PVk1qYmNSVTd0bDlLYXdvLWpPa0h6R2FFQW5wWFpiNmJEMl9IOUQycmk2eW9NZGxXZQ?oc=5) · Columbia Missourian
- 2019-07-31 [Arkansas company buys out Landmark Bank - KOMU 8](https://news.google.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?oc=5) · KOMU 8
- 2019-07-31 [Simmons Bank to acquire another Missouri bank for $435 million - Talk Business & Politics](https://news.google.com/rss/articles/CBMimwFBVV95cUxPOGl3bFFRTHM0TXl5djc1MzFWdnVBWGhfSXVHWTRVWHNYZVE5OHJqRFJkN1kzUFk1eWZIRWpiS3lxa3FiT3RlXzZJNDltcFFnb2RXczVrT2xMWW5IbkxQM2VPNTNOWS00enNRZDE2SjVOY3pEei1hQUhLelpHTV90cW9RRDRRb0pMN1A0X1dkQ25aUm94YmJXU0E3SQ?oc=5) · Talk Business &amp; Politics
- 2015-12-04 [Reflecting on 150 years at Landmark Bank - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxQZ0RiQlhhaERNOGJRSFRQN1ZuZkNPY2I1MF9ZcUt0UHZFOVBpeldmRmFqa3NyNXJCYzhKd2RVVEFOVDYxMHFNaXFyd1lGTWl5a2ZBTU1OMU8xQ1BkajNGMjloYkZFWFVKUTFORFFKNjdPbzRoYVl6dmVsZklhS0c1QUJSRHhSWUFadmhyekt6YkF1WGlDMGZtMWxhNHFsUQ?oc=5) · Columbia Daily Tribune
- 2019-07-31 [Simmons to acquire Missouri-based bank - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZVh0c2lTVjNqMkdLd0h0a3VCV1ZzM2dma1htQllMRnJraG9Xc1pnQ3pBZklDb29pWHNQMEZQcnRFN1YzMmhEZW1wRDRybkQ4dmd2U2pfNTBncUNzQUVJTUVTT1RCcnczR0NkZlAzN1NrdjVkUTVfQk1CQmpFeGRrZExGRGVSbmFXTGoxZw?oc=5) · The Arkansas Democrat-Gazette
- 2019-07-31 [Simmons Bank to Buy Landmark Bank in All-Stock Deal - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMickFVX3lxTFBGSnM0YjNoZ1dTNmljWVBfcS1zVmRFam9FT2lMU2p3RGd0QVVvTFI0NEk3ZDlTNnBxc0VuS0g1ZWQ2azBnaTFhSmg0QVNqVjZEVUlxblNDaVhFX2xid2RPNUtuUkRZM3RDSndKa2tvMGlJZw?oc=5) · Arkansas Money &amp; Politics
- 2019-07-11 [Manhattan bank hires former Missouri Bank & Trust president - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNExhNkFYaHpSUWh3QWtIVFZ2dWszcDJPNEljSjNDUjN1dGdMRjlqWG1RekNtMnFYNkFUeHQ3N3dnZE1teGxJdU9JVXVwV3hvMHpIRm0wRWxNUWl4SXFFSVdxUnNaYmI2QmwwZEJzZVozcnNVOU52TUtVbFdORmRUM2ljR2xqMXU5WDFmUnFFa2R4WU1HSFJfZGVkQ0p3VXVsNkdR?oc=5) · The Business Journals
- 2021-10-27 [Banking on Columbia - COMO Magazine](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5BRU1KMGVsbVRxWlZVaUtabDY0YUl0Um9LMmw5eTRBLTl5akdrREdUZ2RHdUhHN0NfLTBwcVV5aW80dUN4cFZ4dzdWcXg4N3JRQ3NLNENrenZqX3JCMzlVRA?oc=5) · COMO Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4537 (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/57.json (key "4537", 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