# FIRST NATIONAL BANK
CAMDENTON, MO · FDIC certificate 4546 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $190.0M | |
| Deposits | $155.3M | |
| Loans and leases | $67.4M | |
| Total equity | $32.4M | |
| Loans / deposits | 42.72% (p11 of band) | 75.02% |
| Liquid assets / assets | 62.67% (p91 of band) | |
| Uninsured deposits / deposits | 6.43% (p12 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.09% (p90 of band) | 11.04% |
| Unrealized securities loss / equity | -0.46% (p76 of band) | -2.21% |
| AOCI / equity | 3.07% (p100 of band) | |
| ROA (annualized) | -6.13% (p0 of band) | 0.95% |
| Net interest margin | 2.79% (p9 of band) | 3.73% |
| Efficiency ratio | 183.30% (p100 of band) | |
| Noncurrent loans | 2.26% (p86 of band) | 0.60% |
| Net charge-offs (annualized) | 0.06% (p80 of band) | |
| Reserve coverage of noncurrent | 66.27% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 7.68% (p34 of band) | |
| Auto loans | $357,000 (0.53% of loans; DQ 0.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.9% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 5 | NIM <2.5%, noncurrent p90 | capital falling |
| 2013-06 | 6 | assets shrinking |  |
| 2013-09 | 7 | capital falling, charge-offs p90 | NIM <2.5% |
| 2013-12 | 7 |  |  |
| 2014-03 | 5 | deposits shrinking | reserve under noncurrent, capital falling, charge-offs p90 |
| 2014-06 | 6 | reserve under noncurrent |  |
| 2014-09 | 5 |  | reserve under noncurrent |
| 2014-12 | 5 | capital falling | noncurrent p90 |
| 2015-03 | 6 | NIM <2.5% |  |
| 2015-06 | 4 |  | capital falling, NIM <2.5% |
| 2015-09 | 4 | noncurrent p90 | losing money |
| 2015-12 | 3 |  | noncurrent p90 |
| 2016-03 | 1 | capital falling | expense ratio p90, assets shrinking, deposits shrinking |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | expense ratio p90 |  |
| 2016-12 | 3 | capital falling, NIM <2.5% |  |
| 2017-03 | 2 |  | NIM <2.5% |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | losing money, reserve under noncurrent |  |

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

- 2026-07-07 [Stinson Advises Blue Ridge Bank and Trust in Merger with First National Bank of Omaha - Stinson LLP](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPVEs5ZjJqRVhJR3R1V0dPdEtvb1pzMzVmaC0xOHd6M3RmbWVmSDl2dExHUW42QnJjMFBxd1dOX1NidU8yN1Z3ZTZsQlJkRmxNUld5Ymh1MFROZVdBMldFenNiaFFUWlhZTUsyb3hVWjJoUzVHQ3E1UGx4Ylg4WHlraEV6MklVNktwSW9zRzA1Z1gtc1l6ZUYzSVJfYnc0bXZZMDdDRzBxMjRIdTBsZEJhSm0tN2lfSm1iTmRidkppazI?oc=5) · Stinson LLP
- 2026-06-02 [FNBO to buy another Kansas City bank - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxNX3hKRkN4SGZEZEkxdm1ZejE1NnJEYmJWajg4VFZQTFYxaGMxZEI4M2FOaXhfVWRMaVhzS2ZiZFpNaGo4WENuNzFlUVAxQ3Z5UV9QSkxuNERTM2pZX2N1QmJuX2d4U1NHMkcyb3l5T3JhUExSVmVmc0FlQzBrY3NzTEE1ZTJzX1Q5bFRpcGZLNHNmQmRYWUc5VUhrZ21halk?oc=5) · Banking Dive
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-02 [FNBO to Acquire Blue Ridge Bank and Trust Co. in Missouri - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxNd29QbENZZ01hblJRLTZfUjZjXy1GME9TSkJ2UXpqQmNueUtfQ1JWWVRlYmw5QXVEMU11RTlwVFJzSXNqTFd4bERLa2Y5U0hMWU1lN1lMc2pNS0J4Ym1JUXJNVjRtMW9rOEgzNDU1RXdfY25JX3JnMHFPYU5iRjV4SDlUX0R0S2hNbzVsZXUzUXFGNlU1X2t4Z3RUWi1HX2tlZ0otaEJ2ZHc1VjlwRVhqZ0c5c2c?oc=5) · Business Wire
- 2026-06-02 [FNBO enters agreement to acquire Independence-based Blue Ridge Bank and Trust Co. - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOcmJJblNrbnMzREFnREtQMERQRUs2bTNVTWRYNXVsZWZKOGthWEdwVnlBbUZVUjQydklleVRfNFMtcnBhY2ZhUDBmT1ZwblllNTJTUEh5QmVxQjN6dlJkVnBSMEV1WGR3bFYxd1lYZkpNWFBRV3pFcnloTnU1VUJEWWNSY1RHcnllcG84TE9aMWFQNFdXcDhSdThYaXFlbUdudG1DZ1dReUxUeGFUdDU4YU9lUjRZUEZf?oc=5) · KSHB 41 Kansas City
- 2025-10-01 [FNBO Closes Acquisition of Country Club Bank in Kansas City - chadronradio.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOWV6MmN4NzRyNFFtTVRuOS04azg2R2VTNlZmMWVVTzh0SGp3SndESl8zY1hmUnhsQ0ttWWo2WWx1d0ZTb0VYMVliTTlQaXp1NXN3bXRSVkx0eVB5UnNraGM4aTViazZPNFVuS2NkWEY4NUFiVW1LcmtSVjNOU2d2MWxnMHpJQU9sUnY2UWF3?oc=5) · chadronradio.com
- 2025-05-01 [First National Bank of Omaha to acquire KC-based Country Club Bank - Central Nebraska Today](https://news.google.com/rss/articles/CBMib0FVX3lxTFBDd1J5MVZCamczS0pNLUt0VndnWlp5TEFJQU1NNkJYMGQ1OXFLRGEwbnQ1TVo4REZxWXkxamdQTEZ6VU9HMVpoOTh6WlZrYThPSnp0d2pyWWZUS2pLNzRJY094Wjc3cGZFcDBJeTFRcw?oc=5) · Central Nebraska Today
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4546 (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/2.json (key "4546", 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