# COMMUNITY BANK OF MISSOURI
RICHMOND, MO · FDIC certificate 57141 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $94.1M | |
| Deposits | $80.6M | |
| Loans and leases | $65.5M | |
| Total equity | $13.0M | |
| Loans / deposits | 80.44% (p63 of band) | 73.59% |
| Liquid assets / assets | 25.48% (p33 of band) | |
| Uninsured deposits / deposits | 13.78% (p27 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.86% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -1.27% (p75 of band) | -6.57% |
| AOCI / equity | -0.04% (p68 of band) | |
| ROA (annualized) | 1.83% (p80 of band) | 1.17% |
| Net interest margin | 5.54% (p96 of band) | 3.93% |
| Efficiency ratio | 56.93% (p27 of band) | |
| Noncurrent loans | 1.98% (p85 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 51.62% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 68.76% (p87 of band) | |
| Auto loans | $764,000 (1.17% of loans; DQ 2.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 | assets shrinking | wholesale funding >15%, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling, charge-offs p90 | assets shrinking |
| 2014-06 | 0 |  | capital falling, charge-offs p90 |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 | capital falling | uninsured deposits leaving |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | liquid assets <10% |  |
| 2019-03 | 1 | uninsured deposits leaving | liquid assets <10% |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 2 | capital falling, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | capital falling, charge-offs p90 |  |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2024-09-22 [Rotary 50/50 Raffle Raises Close To $10,000 for Community Ca... - Excelsior Citizen](https://news.google.com/rss/articles/CBMivwFBVV95cUxON1NvOU9WRHJzOVlFaTlISWNtV0I4cVRDd3JSVk1rTnJNMHEtQWVSVk02TklVdklzZjA0MXRTODByaElBcXEyMWJhSC00dDNJM3VhVVpwemlaQTY2My1DVkw2SFV1allXdkh1S3EzMUg4cWEwNUhWNzNXRU05LWQ5b1ZrTld2WklxMW05Y09wQ2hBbGFnaGtfZlh1RG5XR1RWcERYSW5tRk5hcXUzdWlIT2dEQ1FpRmx0NnlNeWNnaw?oc=5) · Excelsior Citizen
- 2023-12-31 [2023 Excelsior Springs Year in Review - Excelsior Citizen](https://news.google.com/rss/articles/CBMijgFBVV95cUxQS21GNzZmQ3VCWDE2elN6SlJnMjZ3T3F4WFVBZVRHVkktUld3clRCdWk1c2NhZE9nb0R6VDFuQkRmdkhlMWcycTJrcktfU29GVDZvVEkwOWE0ZWoxX2lsNFhpakt4eHFmZksxNzU3d2ZYazhpSlRXZXVrWnhQc3RiaEMyNFozc2Q5S1Z6bmlB?oc=5) · Excelsior Citizen
- 2023-02-05 [Cultural Guild Hosting Murder Mystery to Fund Local Scholars... - Excelsior Citizen](https://news.google.com/rss/articles/CBMinwFBVV95cUxNWTcybDV0TnM3RHIyWUNmYk9jak1LS01kM3MxTTlqYW5tM05jcnk3eElPamJIOEZCenJCS0QtTzdnZ3M4RmMtM0V6NGpYR3pKNXMwNG5iM0xvQ251Q3RUenVrUFlLbHc5QXAtWjh0SWFqU19HQS1nVmp5dzZSV3BQT2ZfS3BjVUJpb2hlaGl5U3otUHZhRGQySlJLc09BQVE?oc=5) · Excelsior Citizen

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57141 (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/53.json (key "57141", 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