# 1ST ADVANTAGE BANK
SAINT PETERS, MO · FDIC certificate 57899 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $212.0M | |
| Deposits | $190.9M | |
| Loans and leases | $164.2M | |
| Total equity | $20.1M | |
| Loans / deposits | 84.94% (p71 of band) | 73.59% |
| Liquid assets / assets | 21.35% (p25 of band) | |
| Uninsured deposits / deposits | 38.61% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.88% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -0.30% (p86 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | 1.05% (p42 of band) | 1.17% |
| Net interest margin | 3.70% (p38 of band) | 3.93% |
| Efficiency ratio | 64.88% (p48 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p84 of band) | |
| Reserve coverage of noncurrent | 915.11% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 38.20% (p71 of band) | |
| Auto loans | $192,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  | brokered >10% |
| 2011-09 | 8 | losing money, charge-offs p90 | wholesale funding >15% |
| 2011-12 | 6 |  | leverage <5% |
| 2012-03 | 8 | expense ratio p90, deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 6 |  | losing money, expense ratio p90 |
| 2012-09 | 7 | charge-offs p90 |  |
| 2012-12 | 5 |  | construction >100% equity, deposits shrinking |
| 2013-03 | 5 | deposits shrinking | charge-offs p90 |
| 2013-06 | 5 | liquid assets <10% | leverage <7% |
| 2013-09 | 6 | losing money, uninsured deposits leaving | assets shrinking |
| 2013-12 | 5 | capital falling, expense ratio p90 | deposits shrinking, liquid assets <10%, uninsured deposits leaving |
| 2014-03 | 3 |  | losing money, expense ratio p90 |
| 2014-06 | 3 | liquid assets <10% | capital falling |
| 2014-09 | 5 | loans exceed deposits, charge-offs p90 |  |
| 2014-12 | 4 | capital falling | liquid assets <10%, loans exceed deposits |
| 2015-03 | 3 | liquid assets <10% | charge-offs p90, capital falling |
| 2015-06 | 4 | loans exceed deposits |  |
| 2015-09 | 3 | capital falling, charge-offs p90 | noncurrent p90, liquid assets <10%, loans exceed deposits |
| 2015-12 | 7 | loans exceed deposits, liquid assets <10%, construction >100% equity, uninsured deposits leaving |  |
| 2016-03 | 4 |  | capital falling, loans exceed deposits, construction >100% equity |
| 2016-06 | 1 |  | reserve under noncurrent, liquid assets <10%, uninsured deposits leaving |
| 2016-09 | 1 | liquid assets <10% | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 | loans exceed deposits, wholesale funding >15% | liquid assets <10%, capital falling |
| 2017-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2017-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2019-03 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 1 |  | liquid assets <10% |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | liquid assets <10% |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2021-06 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | liquid assets <10% |  |
| 2023-06 | 2 | loans exceed deposits |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 1 | capital falling | loans exceed deposits |
| 2025-12 | 2 | charge-offs p90 |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2025-04-21 [Bank opens 1st Missouri branch in North County, expands St. Louis-area presence - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPMXhxSTJycGxhYWg1eFRxWkJSWVlmQmtLdGQ0Y24zYjZyNk9zdXZDamFfc0VQQ0w0eS1OcDFkdlBDQ05KYTBYUjdzYzkwYnZLUTc1bDRXREZ2bWMzanRtMFVxY3RnSUtEa3pFb2o4c2hLWGh5YUNuQUNaZkhnRFkwaGVoUFEwZmxGWkNYbE9oZ2htbVIxckdTQnkxSi03M3U3TnBXOGRQc3Fubjg?oc=5) · The Business Journals
- 2023-06-02 [Krumm, Dolores L. (nee Schaefer) - Kutis Funeral Home Inc](https://news.google.com/rss/articles/CBMia0FVX3lxTE9OaENEMmNTWlRVc2FwVDRoOWxkNHVQVGo0SkwtZEdPUjl3dWVIU0xZRTNKRlpQcXZycGd2c1ROYnVmbDdxSGxZOE9ILV9HZXZuUW05RE1GOEluZlFXYUNFT2pVSDZKQkxlRHhZ?oc=5) · Kutis Funeral Home Inc
- 2019-11-18 [Sara Lynn Van Pelt Obituary Nov 13, 2019 - Newcomer St. Louis](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE4wc1N5UVp1UGJueFZTaHNmd2VfVkhLYWExcWVCczViYWVCbkxFSjhHLWFXZ2JucEhpbmp3N0ZyUzlsOXVhQlBsUV8tMTQyNEZGdWlPdVlFbjRna3JIcFBhV0x3TVQxMFk?oc=5) · Newcomer St. Louis
- 2012-05-24 [Dolora Beckerle Obituary May 24, 2012 - Baue Funeral Homes](https://news.google.com/rss/articles/CBMiW0FVX3lxTFAxc053LWd1cWtYMGxUdFpiNnNiUDhCbHhhRWVja3hYaGI4UURZT21MeFpVOEZRWU5qdUw0cloyQ0JXNDUyTm16R0U0ZkNuSUk5NkpNcDdGOEJsNzQ?oc=5) · Baue Funeral Homes
- 2026-03-24 [The Bank of Missouri enters St. Louis market as M1 acquisition closes - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOR1Rob0kyZlAxY2R1Mzc4UXdTZmxGakFHSThtenF1THVweE9udXZ4XzNvdVhTcFBXMHY0TWhMV1BoX1BhQ1JKOXdUT004dldadURSWDdPWWx5a1BHTEt6UmtuX05HMUhlTGRRRHREWUpqTktiSzdOcTgtemdLa3hKd2x6Ym14emhTNjZ1cXk0TlM3RXFsc1d6NVNuejhDd2dXeHptZkRn?oc=5) · The Business Journals
- 2025-07-15 [Bank expanding in Metro East, rebranding - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOb2Y1c1NVTjZZTUEzSEJIbW1heDMwVFNLc2djR1NRbVVTRTZZLTg1Q25QbzE2aEpvTy1QQ3hEcHZFV3VUS2dQWlJqbHE3dl9ickI4emJDZmtlRXBPQ3VMbE0xM0NrX29XU3M1UF96X2FhdHhxOGZsU1l2cFlNeWRGS2d2WThBdVlXU1Q2b2FhVUd1bHM0bmpmV2lJcmxYS2p0WVR3OUZPLTA?oc=5) · The Business Journals
- 2025-05-27 [Relationship banking lands loan for $15M family entertainment complex - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaVFqcENWTi15T3lTWHVHYjQxalhFY0JmWlNyX2daWnkwcVY1NjBmSGluS0RBWkxTeDkxYWtXRjd0V1dMclBoNi00ZjR5dkNlbTBaZlJKTnBKdHJBMFVjbUpCdVczcVdrQTRBcGpBbUVWZlREVGJLcTJQT0hyb3pwZUtjUjhRMWR1djZDeDl5SXYwc3hBTVJfdlkzSWhaSnZHZDZYUXUzTXk?oc=5) · The Business Journals
- 2025-06-04 [Southeast Missouri bank taps longtime CPA as new St. Louis market president - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQR1ctZUtWa1JVNVdidFVqR2o4MWJLUFRVci1aa0ViUlVUdE9aaDVtOWQtUGdGQk9fc0NSSVJpZlRXSk9jX0FSYzBKZ3N6eDlFd1I4NlAydzZTMnJiaXRVUFF1VTFtSExJT1V2YzJmUFNacU9VbjY4NFd5OTRhUlFaSGdxR0M0N3RCdzJkXzVuYnEteVJYWHdUSy1Pa24xRTBIbVV2b1ZPcWgyZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57899 (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/43.json (key "57899", 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