# CENTRAL BANK OF SEDALIA
SEDALIA, MO · FDIC certificate 4569 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. 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 | $559.4M | |
| Deposits | $488.3M | |
| Loans and leases | $278.0M | |
| Total equity | $44.0M | |
| Loans / deposits | 55.86% (p22 of band) | 70.11% |
| Liquid assets / assets | 49.23% (p82 of band) | |
| Uninsured deposits / deposits | 28.11% (p58 of band) | 26.09% |
| Brokered deposits | 1.80% | |
| Wholesale funding | 6.43% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.30% (p3 of band) | 9.79% |
| Unrealized securities loss / equity | -0.01% (p25 of band) | 0.82% |
| AOCI / equity | -1.45% (p41 of band) | |
| ROA (annualized) | 1.27% (p56 of band) | 1.18% |
| Net interest margin | 2.79% (p19 of band) | 3.35% |
| Efficiency ratio | 54.28% (p26 of band) | |
| Noncurrent loans | 0.29% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p82 of band) | |
| Reserve coverage of noncurrent | 642.16% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 15.51% (p24 of band) | |
| Auto loans | $60.4M (21.73% of loans; DQ 0.82%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | assets shrinking |  |
| 2014-03 | 0 |  | assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 1 | auto book souring | deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2019-03 | 1 |  | deposits shrinking, capital falling, uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | capital falling | auto book souring |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | auto book souring | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |

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

- 2021-11-03 [20 Under 40: Petersen has passion for community banking - Sedalia Democrat](https://news.google.com/rss/articles/CBMiogFBVV95cUxNTzVKWnZqYmVFMFFYb0pFVFNKbko0NlFnc0xvblpRaUtBSmxqQ19IVjU4UFJsNFRTNGRpUS1CLTVuUDAyTmVqRVdvUVhPWUNsUFMxLVMxRDlTZHNSSVFyNUZ4WXE0TDZqUHNwZERIY0hmd1J2VTY0Zk5EM2Y1QW95TWhpbXJLdjRYWk9aMUUxUXM5T2xjVzNPTFhaSUUzM2oxVEE?oc=5) · Sedalia Democrat
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2025-12-01 [Jake Reno is Central Bank of Sedalia’s Unsung Hero for November - KSIS Radio 1050 AM](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9GdklwYno5eEVuNUQ5TTN4OWN6Qk8xQjJfaWhLN09mR2t1WnJxRnIyN0N5dmNfVWlMeG90WktxM0NmaUpYTk5YZS0zWmUyRC1DTUd3ZjNQVQ?oc=5) · KSIS Radio 1050 AM
- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2019-04-12 [Central Bank makes a $104M buy in KC - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN2ZPbDl1TTdCa1V3M3ZQbmVYcFlKVC15LUpDRmJEN0ZlVlZBTzZBay1hbGVYdUlZZ3ZqYlNwZi1zM3Z2d1lIeTFHNHkxSkhkenBJaDlZNHMwTkUyREg2eVhQQ2gwYU02eGRBU2FnTnlwVnU3WUI3ZEZ6UmExc0VUZ25LMUFqOF9NMkh1LWFINnRQaTZCY2pR?oc=5) · The Business Journals
- 2024-07-10 [Cynthia C. Morris Obituary - Heckart Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiekFVX3lxTE9uMFVPRGZteG9TS0hOWkJNTDRzZWFuT1Z2WXE1SnhYQUxPTl91UEUybnRqZ2FXMldZWTk0Z0RtelktZ3ZVRTE1enBRaGpnZXYya3J5N2w4aF9PeURNWUZSUmIyOUtVemY1ZVVMZHdrZVFPQjVfZG92Um1B?oc=5) · Heckart Funeral Home & Cremation Services
- 2025-09-09 [Denise Bryant Named Central Bank of Sedalia’s Unsung Hero for August - KSIS Radio 1050 AM](https://news.google.com/rss/articles/CBMiVEFVX3lxTE5lX2l3ZExkWWlQdE1RUi1DS3ppZkVJdUlEazcybEYzMDA0VFBPd2ZEeGVmRHF6dG1acHZqaDhQeU9HWmdVM1BLNEtiY1ZaYmt0SktudQ?oc=5) · KSIS Radio 1050 AM
- 2017-04-21 [Waters found guilty for 2015 Central Bank of Sedalia robbery - Sedalia Democrat](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQeU5USXpUVXRIZURtcHNXdVUxQnc2a2pGQ05aZ2dLa3VBeTlud0RUOFZxTnZBUHk2YVNyV3NvdjVGTkFpbmZ6OUxFd08xam5ZTVRIZ3RNMmJQbGk4ekJZeGRzV1ZYUnJzTk00Z1NXNU9DNWROck9DQUJMTUhaQXh2ZUtxdjQwRHJsV2kwQ0tibENMRzNtSHhRQ2ZCdDRib0RrUjU1UEY5SXQwUQ?oc=5) · Sedalia Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4569 (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/25.json (key "4569", 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