# ADAMS DAIRY BANK
BLUE SPRINGS, MO · FDIC certificate 58697 · asset band <$300M · latest filing 2018-03 · 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 | $120.4M | |
| Deposits | $95.8M | |
| Loans and leases | $92.1M | |
| Total equity | $10.8M | |
| Loans / deposits | 95.05% (p85 of band) | 75.02% |
| Liquid assets / assets | 16.73% (p18 of band) | |
| Uninsured deposits / deposits | 33.73% (p93 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.41% (p86 of band) | |
| FHLB advances / assets | 11.41% | |
| Tier 1 leverage | 8.70% (p11 of band) | 11.04% |
| Unrealized securities loss / equity | -4.58% (p28 of band) | -2.21% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | 1.29% (p72 of band) | 0.95% |
| Net interest margin | 3.95% (p64 of band) | 3.73% |
| Efficiency ratio | 56.62% (p16 of band) | |
| Noncurrent loans | 0.65% (p52 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 163.06% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 35.31% (p69 of band) | |
| Auto loans | $199,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, charge-offs p90 |  |
| 2011-09 | 3 | capital falling | reserve under noncurrent |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2013-09 | 2 |  | expense ratio p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | wholesale funding >15% |  |
| 2014-06 | 2 |  | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling, wholesale funding >15% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 | capital falling | wholesale funding >15% |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | wholesale funding >15% |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | wholesale funding >15% | capital falling |
| 2018-03 | 2 | assets shrinking, uninsured deposits leaving | wholesale funding >15% |

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

- 2017-12-18 [Kansas bank's M&A compounds again, making KC its largest market - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQaEJnRnRHd2pBQlZ2eWtlblctaTJzQkdHXzRUV3o5dTlKSHY3UjJRMkFlQ0xwNlp5WUJrTU9oSk8wS2NVa0NUSjc3YUVrNUZFM1ZXaG9GbnE5dmZPYktZTVBoUHZOWVVLNVVUTHJySF9tYkVwM0JSaXkzWjRUUzlxU19jVkd3cVdEajRqTzIwcVlxNTc2cXhha0h5d09hTzlUV1E?oc=5) · The Business Journals
- 2018-07-31 [Man sought in Blue Springs bank robbery - KMBC](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWjZrckFFQ2pPWEtGZzN3a3hsWGktSXY0ZU94bEVLMU03QXotYlJUNDd1WGEyaFQ4T1BjQmZFV2pBUVRRcTdxRTZ1Z0VUTmFvRHdDbEJSa3RWT0tySS1paVlQTFhWRnZEZGx6OTZ0R0xPWkxuVEp5TUZmazlnOTdQMUtR?oc=5) · KMBC
- 2016-10-17 [Springfield bank robbery suspect arrested in Missouri - The State Journal-Register](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNmRfS215SnBkUmU5Y05mX05QWWxIc3ZBVjYzNTRXQlFYaFBTZUEwM09PaVc0dVpUZlUxbUl0aEhzTnEzWDFrUHJJcEF0clNzY3hlSi1mOHRjczBodUw1NTlVOWcwbFh6ZjFMVEtfMlYybExlVU9PcGp2T1FGY3dpaTVzYVpvTHRPMW9aNHk3M2p0ZHUzcGVYX3pBMnNMTWd4ZzBWTEdn?oc=5) · The State Journal-Register
- 2013-08-18 [Carla Jeffries Obituary Aug 18, 2013 - Speaks Chapels](https://news.google.com/rss/articles/CBMiZEFVX3lxTE0td0JZMUlPeXpUMzkteFpyajJHOGZiQmVBN3RBRlphYUFkbUZROHF0V1RUSnpWTVZtcm9ZOVVzRUkwNDhOYmtGZjRHS3JkbkZkbExiRWFENU5QeW9mNTNOTmxjbHI?oc=5) · Speaks Chapels
- 2017-03-27 [Texan Buys Red Lobster In Fayetteville for $3.7M (NWA Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdmJhQ2ZzRDMzQjdXaGlodC1XQUR2TngzSENXUkpRS3NnMnVfVV9QNm5uTy1kX1lheTdxcWxyX2RxSkVUVDZhYWRsdzV0NS11eXk2aFFoLU9HQlB5TkppTXhfTm1Pd1VvMW4xYnZYa1BpWkl2UGQxWUo4QVlRcUlvSzRBQ2hPbFg2SlhGb2hiakJTYmw1aTVqZk9GSFJqaFZocUx2aUxn?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58697 (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/9.json (key "58697", 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