# FORTUNEBANK
ARNOLD, MO · FDIC certificate 58107 · asset band <$300M · latest filing 2021-12 · stopped filing (departed)

**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 | $260.5M | |
| Deposits | $224.4M | |
| Loans and leases | $202.2M | |
| Total equity | $23.1M | |
| Loans / deposits | 89.14% (p91 of band) | 61.86% |
| Liquid assets / assets | 17.85% (p6 of band) | |
| Uninsured deposits / deposits | 15.20% (p32 of band) | 19.57% |
| Brokered deposits | 5.21% | |
| Wholesale funding | 9.05% (p89 of band) | |
| FHLB advances / assets | 3.84% | |
| Tier 1 leverage | 8.76% (p20 of band) | 10.43% |
| Unrealized securities loss / equity | 0.00% (p52 of band) | 0.00% |
| AOCI / equity | -0.78% (p68 of band) | |
| ROA (annualized) | 1.44% (p78 of band) | 0.96% |
| Net interest margin | 3.84% (p78 of band) | 3.26% |
| Efficiency ratio | 68.61% (p49 of band) | |
| Noncurrent loans | 0.34% (p54 of band) | 0.28% |
| Net charge-offs (annualized) | -0.04% (p8 of band) | |
| Reserve coverage of noncurrent | 314.53% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 31.46% (p69 of band) | |
| Auto loans | $431,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.7% | |
| Employees | 59 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-03-23 [Southern Bank brings big-bank capability and local authority to St. Louis - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdmlMcnJTRG43RDhUbWM2YlFjLW4tRDkydXk1REZ0MlNMLUY5VEtMYU5sWlNpYTZNQXZmRjlvaFJmSG5hay1sdWZHNVp2Tjl2LXV5cTgwOEJVSXg5NURmN2xOeXAteEs2TkVscjdqbHlUNVVxNmFFaEo2bkpHd1RYMzNmUGVVc3k5dm9vSUJDRzc0SzJVRTgzT184UVMxSG1SRmdzc0VrVkQ?oc=5) · The Business Journals
- 2021-11-09 [FortuneBank to join Southern Bank - Leader Publications](https://news.google.com/rss/articles/CBMiugFBVV95cUxPYjRvVGlReDMtWDYtVjJhV0R2blBXcmxxaUNaaFE5SnBWVDVzM2NuLUtKb1RSZnMzRW5nV1BWcTh5UFFrcmtyaGxVQTVvVl9JbEljQmQwR1RfSHJOYldiR3Y0UU9XWlFMRzFieThud3hWVzc0a0R3OXRNMWx0TDVydVpGS3ktUVZqSHFKQzByNkJjTWZuaU5iWDRlRWRsYUFUM2F1LWQ4d3Jna0wxZ2g3c3JBX3NYQ3dLWGc?oc=5) · Leader Publications
- 2021-10-04 [Southern Missouri Bancorp to acquire Arnold-based Fortune Financial Corp. - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQX256Zzg0UFMwRlJfMTlUWGRWUzNIWFdoXzU4b1duLWR4cG04YTdjUnJCeDhUVHJObmQ0MmJ3djdFaVZvUks3N1JCc3ctcXROMzJ1c01STF9xeVkyMUtxUktYMy01b1FGMGt5azM5YXdILXdNSGYySWF4NmVWbGx2WlBGLU9NbE9vbFJpX3FyX0Mxc1FWRzhKVWNuV2gwUzA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58107 (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/59.json (key "58107", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide