# CONNECTIONS BANK
KIRKSVILLE, MO · FDIC certificate 58076 · asset band <$300M · latest filing 2023-09 · 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 | $116.2M | |
| Deposits | $91.6M | |
| Loans and leases | $100.6M | |
| Total equity | $12.8M | |
| Loans / deposits | 108.97% (p96 of band) | 69.44% |
| Liquid assets / assets | 4.65% (p1 of band) | |
| Uninsured deposits / deposits | 8.81% (p12 of band) | 19.29% |
| Brokered deposits | 2.15% | |
| Wholesale funding | 12.09% (p85 of band) | |
| FHLB advances / assets | 9.94% | |
| Tier 1 leverage | 7.88% (p4 of band) | 11.39% |
| Unrealized securities loss / equity | -0.94% (p89 of band) | -25.32% |
| AOCI / equity | 0.75% (p90 of band) | |
| ROA (annualized) | -0.64% (p3 of band) | 0.97% |
| Net interest margin | 0.87% (p1 of band) | 3.55% |
| Efficiency ratio | 68.87% (p51 of band) | |
| Noncurrent loans | 0.15% (p45 of band) | 0.22% |
| Net charge-offs (annualized) | 0.04% (p81 of band) | |
| Reserve coverage of noncurrent | 501.97% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 66.26% (p79 of band) | |
| Auto loans | $1.4M (1.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 | loans exceed deposits | losing money |
| 2011-09 | 0 |  | loans exceed deposits |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | reserve under noncurrent, assets shrinking |  |
| 2016-12 | 2 | deposits shrinking | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 5 | liquid assets <10%, NIM <2.5%, reserve under noncurrent |  |
| 2017-09 | 5 | uninsured deposits leaving | liquid assets <10% |
| 2017-12 | 5 |  |  |
| 2018-03 | 2 |  | deposits shrinking, NIM <2.5%, uninsured deposits leaving |
| 2018-06 | 3 | loans exceed deposits, liquid assets <10% | assets shrinking |
| 2018-09 | 4 | deposits shrinking, uninsured deposits leaving | liquid assets <10% |
| 2018-12 | 0 |  | reserve under noncurrent, loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | liquid assets <10% |  |
| 2021-12 | 1 | capital falling | liquid assets <10% |
| 2022-03 | 1 | liquid assets <10% | capital falling |
| 2022-06 | 2 | loans exceed deposits |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 | uninsured deposits leaving | capital falling |
| 2023-09 | 5 | losing money, NIM <2.5% | wholesale funding >15% |

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

- 2025-10-02 [Connections Bank will purchase BTC Bank branch in Columbia - Columbia Missourian](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQcVFaOTVOcWVDcFEzc3lYeXV4VFBraE8tN1JjS2ctblBSczQ5VjJyOXJMVDY5TjhWU2kyWGdNOE5iQk5pQzJYWkVWclRiSlhkc3E0QWY3VzlzMWlVV2VKX1U0YkZINlFaTnRtMzZ3YUUyMzk4NlZsaUpLODRLYzhrc2I3bjZnZWd6b293MnExbUNiSnhWYnUweDI1SE9OQ1lSTW84TjhnNFNNNFJtdXlnbGJIR1NnS1I2SmY0ZUF0THZxcG1JcFA4VndKUTR0a0M3OVV2SEVhTkxtcTVXODUyS0pLWUNEMTc5alE?oc=5) · Columbia Missourian
- 2023-05-09 [Wells Bank to change to Connections Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMipwFBVV95cUxQVmFteDlmRHpXb3NJaWtPdDBUV3hUNTJoaUJ3Y01IaGl3T3JMT29WTkNFMlJsb2RxYTlITG8zYzdNbWI4YVFtNDU0eWdhV1c1QzVURkNGVnkwR0VXekI5MU93WFdicFlhRlF6ZE1YdnQtOHpOVG0xWGxBeU16VE52S092czc0UTV1OGc0Y3BJbWs4NVBmalNldkJKeUF0RVdkNGUxMFhxRQ?oc=5) · The Platte County Citizen
- 2025-10-14 [These are the Kansas City-area's five strongest midsize banks at midyear 2025 - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQZzlQcFpQOUVoelJlblFhdjBCSEJKNHU3amVGTlpQNGs1UUFJb1U0dDZWeGpoMG1zQkZZNERWZnhHSnNNdXVMTGNiNUh0QVpTdy1xMWFUTHJtQnpoeWVMMVFFc1pkNDJwd1ZieXB2NF9tS0gxdnJmX3NKR3hsbnNEb3JyNWhyZTVLX2dOS3IzcTlUN3NNM3BuZ0tjOFBWeExnTkxvUXYtT08?oc=5) · The Business Journals
- 2023-05-12 [Wells Bank announces merger - maryvilleforum.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNYlltMUpIZ09vUXIxUVNZSDNOQnNzd0NFTDNrYnMzZHFVN2paN2lReDJIUmhEc0FrWWtGUVFPTjV3RDBmYi1teVhQTjk4UVJMN3VNME1uWTNqaG1hUmEwVmpHZUpIR1g1a05LTHRka1RsdFljaUpxcDZYUHhheW1TMFVYSW9QM2ZpNzF3c3lacGVSZGdrekM3dmlqbm12Z2drX0dKb1N0anI4OVBzb3NpdmZBMGk4aE52?oc=5) · maryvilleforum.com
- 2026-02-24 [BTC Bank to acquire Tri-County Trust in Glasgow - The Fayette Advertiser](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcnFUZHJjMGhkQWxtZ29mcjFIVHdWWkRPQjd6UjN0cHpvbTJucV9pWTJ1N1pRcFRXWEs3ZS1vY2Nkb0lCWjZxUG1RSjZ2TnJaZVFpdWVOVm01WHhPVVpucmYtcnQwMFdDRnNwUnRGSVNwdmYwQXBzOGszZFBkSHMwMktmYmQxRUE3YXJNU09YYklvLTJod3VJN20xWVM?oc=5) · The Fayette Advertiser
- 2026-07-15 [New owners keep the Hartsburg Caboose on track - Columbia Missourian](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQTE91TUc1WmZBZTNEclZ3cEc0ZjlXeTd0RFBUcWZjSVM2ekMxcjJfZEJqMFlXZ2pTT0hVSG5CMlBocXZUa3dCT2dMZVR0Y1VBSDhvQ1BxeFJhS3oxRkxqQ0hyUzc2SVRkRnA3emdlYTZ5SDBsMXIzOFhnWTFiV3pMWUh1Z1RkMjMzTXQtSldXaGVVeVBkWkdxY3Q0ZzItMEpvSjk4aG1ZTDNoRGNnVkRqb0NIdHFpSU5JZ2RwSC04MFBwRGJCazN5WjdhUURKaUhBQ1FQTTRyQTBqZGxCeTA4WGJmSHd4R1VhbjRz?oc=5) · Columbia Missourian
- 2023-09-15 [NCMC Foundation holds officer elections, appoints Gallagher to board - KTTN](https://news.google.com/rss/articles/CBMikwFBVV95cUxPOGpReFdGcXJDVF9yZXZlY3pWdFpqYTJya0RpbU1tOHNLTkZLVHNkdFJDbkw5dlJVN1d0bHY1bkVsVE9CaERkVzZiWHY1LXRKcWRPUTZKb1J6WUtDVnJJeU8wdFZaMHZTYXAtUV9HQUNGaFVEbXJsZ3UySUVYOHBnZzFGaUhfWjZud2VxSFlCMjlmM0E?oc=5) · KTTN
- 2025-02-18 [Northwest instructor, wife talk love story that began on campus in the 80s | News | nwmissourinews.com - nwmissourinews.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOaDMxU1hTT1ZyZ2NxUENNb21Pc3poUDVIY1VjS1U3MU0wMHFKMzBXTWt6V0ZxZm4yZURBaWwyOTd6TFl6ckxiNWJwd2JMeHEzWTNKQUtfLVdOMUxtdTlqMldsVFZiX3pxRzJSUDFvUXJwS19MeVRWUUFqZW1VamxSb0tNcXlXV01QQzlLQjdB?oc=5) · nwmissourinews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58076 (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/28.json (key "58076", 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