# FIRST MO STB OF CAPE COUNTY
CAPE GIRARDEAU, MO · FDIC certificate 58230 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $235.5M | |
| Deposits | $207.4M | |
| Loans and leases | $203.9M | |
| Total equity | $19.0M | |
| Loans / deposits | 96.83% (p89 of band) | 73.21% |
| Liquid assets / assets | 9.23% (p3 of band) | |
| Uninsured deposits / deposits | 20.61% (p54 of band) | 19.45% |
| Brokered deposits | 5.73% | |
| Wholesale funding | 7.86% (p78 of band) | |
| FHLB advances / assets | 2.12% | |
| Tier 1 leverage | 8.60% (p8 of band) | 11.56% |
| Unrealized securities loss / equity | -4.76% (p55 of band) | -6.10% |
| AOCI / equity | 2.84% (p42 of band) | |
| ROA (annualized) | 1.14% (p56 of band) | 1.04% |
| Net interest margin | 3.70% (p43 of band) | 3.83% |
| Efficiency ratio | 59.88% (p29 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.34% |
| Net charge-offs (annualized) | 0.02% (p60 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 82% | |
| Construction % of loans | 142.09% (p98 of band) | |
| Auto loans | $666,000 (0.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

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

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58230 (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/54.json (key "58230", 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