# TABLE ROCK COMMUNITY BANK
KIMBERLING CITY, MO · FDIC certificate 58300 · asset band $300M-1B · 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 | $568.9M | |
| Deposits | $503.9M | |
| Loans and leases | $442.7M | |
| Total equity | $43.9M | |
| Loans / deposits | 86.97% (p64 of band) | 82.04% |
| Liquid assets / assets | 19.59% (p31 of band) | |
| Uninsured deposits / deposits | 35.90% (p81 of band) | 25.97% |
| Brokered deposits | 4.52% | |
| Wholesale funding | 7.45% (p68 of band) | |
| FHLB advances / assets | 2.33% | |
| Tier 1 leverage | 8.25% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | -8.16% (p50 of band) | -8.10% |
| AOCI / equity | -0.35% (p50 of band) | |
| ROA (annualized) | 1.36% (p55 of band) | 1.28% |
| Net interest margin | 3.57% (p32 of band) | 3.91% |
| Efficiency ratio | 56.99% (p36 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 428.18% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 127.71% (p94 of band) | |
| Auto loans | $1.6M (0.37% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 22.4% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, construction >100% equity |  |
| 2011-12 | 2 | reserve under noncurrent | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 | capital falling | construction >100% equity |
| 2013-09 | 3 | charge-offs p90, construction >100% equity | capital falling |
| 2013-12 | 2 |  | charge-offs p90 |
| 2014-03 | 1 |  | construction >100% equity |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 2 | capital falling, construction >100% equity |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | reserve under noncurrent | capital falling |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2017-03 | 1 |  | liquid assets <10%, reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 1 | construction >100% equity |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling | charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | capital falling | construction >100% equity |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 1 | NIM <2.5% | capital falling, construction >100% equity |
| 2022-09 | 2 | construction >100% equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | NIM <2.5% |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | construction >100% equity |  |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | construction >100% equity |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-07-07 [More than just words: Table Rock Community Bank shows culture in action - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMijgFBVV95cUxQc2NhQ255Qk5Qa3VGZFVHOVIway02clB1LWxzbXh1aTZ2NFRpQml3Y1hhRUhJb1QyZFE4ZXF1YkZRZEhTQXRxSDBLTFQ1c1BEdlpOdlJmZHpzMnRONldzUjJ5RGw0UHJrRW0zRWJyYVdIcUFTLVJ6N29IVFlEX1BnWm5qN1JXQXVyR24wbGh3?oc=5) · Springfield Daily Citizen
- 2024-06-21 [Open for Business: Table Rock Community Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE5uc1FtME9qMFZJM2o2T0pJNGVoaEIyWjZjY0xvamEtUjRzSm9Fb19vQ1ZaYVlUYnBQT1J2ZTl5bUZ2OVFCMHNtWmlSZ2lxSEFFM1NUQjMzY09GVnpnOVZfa0ZRSkhtdGhTT1lKekhTbTVfb0x5X2JZeUxCb1BTdw?oc=5) · Springfield Business Journal
- 2023-07-07 [Merger of Two Area Banks to be Completed in November under Table Rock Community Bank Name - KRZK 106.3](https://news.google.com/rss/articles/CBMizgFBVV95cUxPWVdwbG5HOU92YnVnX2l1Tk5KcXk2dTZVOWdUY0FtaG1kQ2hWOFlLcmtXR3hyRnNPeEk1b2ZnTmNYb1BkS25BVlhlRU0ya3hQbmxEYnNyc19zb3lyb2U4NTIyVzk3d3hLQmpaUmN2MUREa0VTZWVjMk1uMDcwOVFENzllNldOOFMwVkxWUHRvbU93ZDU3X3g4dDJ5RHEzd0hHbDA4S1NUMklSMklRbGttVE85Qlk4US1ORTQ0S1ZPSW93NjRCWlJGQVg5Z0oydw?oc=5) · KRZK 106.3
- 2024-06-07 [Table Rock Community Bank opens Springfield branch - Springfield Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxQc0h4Y1lFRjAtb0htSlF6QkUwSWF1WmZfZXhPQ1VIUUZWYTNaZTlQV0VGOTAtcWY5OEM1cVROeHhFdDlhR1ZwZERtOFlMUU1tcmczUGRzWG1oLTU5Z2VOdWNYSEtPLUNrY3J5UlRBaFJtbjl6aUtjczBWeVIzd25VNEZCcFdtYUE?oc=5) · Springfield Business Journal
- 2022-03-30 [Alton Bancshares Announces Plans to Acquire Table Rock Community Bank - KRZK 106.3](https://news.google.com/rss/articles/CBMiswFBVV95cUxObzc1Y1drMzVDVkNZQk81NGtrY21oc3oza3BpMldHMnlPOFNWSl9hMzFKeXpKaGlCRHJFbXY1MHd2QVRLOF9vdjhRUWRSM0s4RUwwUzFnZl96bDEzOWF3R20xUWw0RjVpSFdmRWtMYk5wcXhsSnBwdW9PeENDaFgtaGFjSlY3Zkh2ekR1Ry1QbVVNTGtCMkpHdXk5OHAzZTRMZEVNQVJpMmhKa0RkTVNGWE9ZUQ?oc=5) · KRZK 106.3
- 2023-02-06 [Stone Bank Draws $88M-$90M Deal - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTFBXLXRXWW5Obk5Jd3F3cDA3Q1JkOFpSd3I2NUtPYWFrXzY5c3VKY3A3bzVxTTFCRFpiOEtqeTk0azJuemEzU3ZZRjBFMWp6TzRjdlVWLUluZVRuQW15M2JWNERqMXBZZXNKbVJ5cHZTZkUyR2Vhcnd1X2UyRQ?oc=5) · Arkansas Business
- 2023-11-20 [Table Rock Community Bank adds branch in Crane - Springfield Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxOa3ZkV3ZlMm9ZMzBGeWotTF9JZERnTFptdUJVYmoxUldvemxGMF9oa0xtTmxUV2xydjNYMjdmdDlVaUtfLWZtLUFZT1J5VFp1ZDRtcmRsaFZ6cmF2RlFNTU5TT3FBeDhvRVlMTEd3ZWg3WHdDODVyaG1nWmZoOEVRS2Z3?oc=5) · Springfield Business Journal
- 2025-06-23 [Table Rock Community Bank debuts new mortgage division - Springfield Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxNcjhVQmF0Smd1VWR5dXFvb2hCNmhsRFlBd3JwSEtORW55WDIzczBIVEl2SjVYUld6VlFDQW16MFFWaDdTYkJZMEgwZmtCbFc0d2Q2N1lkSl9MUXl5eTFVM3FDZldVQVZKRXY1eUxhTGJuZmZDLWJaLV9PU3JwTlRZOFgyeEt2Qi1hR3RIQXhn?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58300 (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/60.json (key "58300", 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