# FOUR STATES BANK
CARTHAGE, MO · FDIC certificate 59352 · asset band <$300M · 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 | $142.1M | |
| Deposits | $114.3M | |
| Loans and leases | $103.4M | |
| Total equity | $21.3M | |
| Loans / deposits | 89.46% (p79 of band) | 73.59% |
| Liquid assets / assets | 24.18% (p30 of band) | |
| Uninsured deposits / deposits | 39.10% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.82% (p63 of band) | |
| FHLB advances / assets | 2.82% | |
| Tier 1 leverage | 15.85% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -0.07% (p91 of band) | -6.57% |
| AOCI / equity | -0.05% (p67 of band) | |
| ROA (annualized) | 0.03% (p7 of band) | 1.17% |
| Net interest margin | 4.21% (p64 of band) | 3.93% |
| Efficiency ratio | 84.40% (p84 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 48.81% (p79 of band) | |
| Auto loans | $25,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 127.8% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-09 | 4 | loans exceed deposits, losing money, expense ratio p90, NIM <2.5% |  |
| 2024-12 | 3 |  | loans exceed deposits |
| 2025-03 | 3 | capital falling | NIM <2.5% |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | losing money, expense ratio p90 |
| 2026-06 | 1 |  |  |

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

- 2026-01-30 [Four States Bank opens first Queen City branch - Springfield Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNbkRmT3B1Z2YyMlREV01WQjBzMS1vOFRFVlVBY1dxemhnTUg1S2xFbWRtczJkbzYxZnZEczAtZ0FWMjRVczhMdy00Zlp0RkV0WGtRZUFZRjgxWUQtMDZ1S0ZsbjBfbFhRaWFKalJVMFF4RkozM0tnRUJBTlVFakxubHBHWQ?oc=5) · Springfield Business Journal
- 2026-02-18 [Springfield bank branch invites community to tour, ribbon-cutting - Springfield News-Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxPdHY2RWRyN2o5bmFvM1p4Z0ZvSUpGUGY3QUJ3MUd2ZGR4UGZtVmRkOHBnTjZORmxkYWtTVnAtTkFoRXZSWDBacExOOU9BNFlzSmlJbUQzY2xVelp5QjEwb2NfQnV1UVp0VUNfenJJS3VtS3MtYWozMDhQeHJKRzQ0a09vb18tQW45Q2FHb3BPS3I2bnpvVGZLVHhnQzBKWEFiMkVQRm9TaGU3SXdBdUc3SERBUTRjRjNLb3c?oc=5) · Springfield News-Leader
- 2025-10-28 [2024-formed Carthage bank to add Springfield branch - Springfield Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbDF0MDhpMklRR0Q1bzd6RkFwVm9FRG9xdWkwd3NuTWU4bkM3Zlh0Qm5uRWxmNGpOMmJJSzNOSlJjeEpBNzBOdFFoZjdYVmxSUUl0d3pqUk9wLXpBQVZmX0pKaDU4UklPQkxBMHh2NU9raUNyd0JobW1OUU92QmVkc2FiOHR6V2lVWGc?oc=5) · Springfield Business Journal
- 2024-09-18 [Where have all the new banks gone? - American Banker](https://news.google.com/rss/articles/CBMieEFVX3lxTE1rYVdSbmxMT2dfSlhQd0x6WjBGSG53eEJuYXp4R3ZOWFhoOVcwN3pCSFZzWnZjR1R3b3lzMy1jRG1BbVlQYXFhWkNDQ2d5SEpYVkU2OHpDOFc1VTdyUFJxWFlvVE9VMmVySTJGMGFIdmM1ZnJNUDlzNA?oc=5) · American Banker
- 2024-10-10 [Four States Bank makes opening official with ribbon-cutting ceremony - Springfield Business Journal](https://news.google.com/rss/articles/CBMinwFBVV95cUxPdVAwaE1vWHIyZnVCUm1FQ0lWT2RXcFdld2kyZ2xRd0xVa0FuVVhyajR3MTRielJYMEVsMTlkNUtNYjN5V3VoZ1BuUUVOZGhQRG0xNXlkVFNHcUZsaXUxTDg4cHBCY1pnYzNGcUoxRDlyNnJkM0x0STNoSVVtQjJ4dl84Qi1YcnRsUzhVekVJUHBVNFRlVW1pVGpyaU9xTXc?oc=5) · Springfield Business Journal
- 2024-08-23 [Silicon Valley de novo poised to fill gap left by failed banks - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxOWF9QRlRfaDAxdVNUZmx3ckdrcXI3TWlJX3JtWFM5aU02MDJoZS0taHUwSXpPeUE2NmItOHN1QmpnQ2ZLSGp0NVFkVWhhRGJBaXBpd1lVTTRBaTlzQWx5SVRUaVgwcTZwSVgwcUxGRHV3VTBkWU1vWE1fSlVhb3FZVGVUVGtobE43QUQzaFZRU1VVcUc5RGh2cklyUFBXbFE?oc=5) · American Banker
- 2025-11-01 [CPO seeks business help at cold weather shelters; new sports radio show about to debut - Springfield News-Leader](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPbWdMNmtMQnNmVHk2ODdTNHpIZXF5S3VmcjRQbllCdFRuNWZVcE9yU0h6NVRnVkNTcVFnZndpVFNMdGgzQmNNdC1IYkdrUjRBUFVGNjFyejJyZ0p4NFZNdWtSQzVJclIyeGlObmZHSnlSXzVXYlI1SEJXQm5iOW40aFA0OVVBUDdGM1YwR1l5dWxlOUk0MXdEOWpVS1o0OWxsWkJzZmpsZVNHSHRSNUYxanU4MTF0akVDRk5PVmtWZmNwV1JmVmpoWmFFb1ExdWdXMERsT1dQLWp5eDlSczVEbg?oc=5) · Springfield News-Leader
- 2024-12-06 [A Conversation With ... Jeff Williams - Springfield Business Journal](https://news.google.com/rss/articles/CBMicEFVX3lxTE5JbDZydTZYTEJWcDFQeFY3YTlvV0x0LWVFQ3VRcm9haTl4RWFhRlMxdUpkSWkydWhGaXNQNXM3c0ZyYXlyaVdxS0Rvd3R4Sl9QYWdOaHVsbERoQU11RDkzeGozRktzQXY1Zi15ZExvcno?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59352 (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/24.json (key "59352", 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