# ALTON BANK
ALTON, MO · FDIC certificate 8276 · 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 | $145.0M | |
| Deposits | $127.9M | |
| Loans and leases | $81.9M | |
| Total equity | $10.7M | |
| Loans / deposits | 63.59% (p35 of band) | 73.59% |
| Liquid assets / assets | 39.40% (p62 of band) | |
| Uninsured deposits / deposits | 24.90% (p68 of band) | 19.81% |
| Brokered deposits | 5.87% | |
| Wholesale funding | 10.01% (p85 of band) | |
| FHLB advances / assets | 4.14% | |
| Tier 1 leverage | 7.96% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -23.90% (p19 of band) | -6.57% |
| AOCI / equity | -0.76% (p34 of band) | |
| ROA (annualized) | 0.99% (p39 of band) | 1.17% |
| Net interest margin | 3.45% (p27 of band) | 3.93% |
| Efficiency ratio | 71.08% (p63 of band) | |
| Noncurrent loans | 0.52% (p56 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 130.73% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $4.2M (5.10% of loans; DQ 1.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 21 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-09 | 2 | reserve under noncurrent | assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | deposits shrinking, reserve under noncurrent |
| 2014-06 | 2 | capital falling, reserve under noncurrent |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | capital falling, reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | deposits shrinking |  |
| 2016-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, charge-offs p90 |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 3 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 2 |  | charge-offs p90 |
| 2023-03 | 4 | losing money, expense ratio p90, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 4 | uninsured deposits leaving | losing money |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | losing money | uninsured deposits leaving |
| 2024-03 | 7 | capital falling, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, losing money |
| 2024-06 | 3 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 | capital falling | NIM <2.5%, reserve under noncurrent |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | uninsured deposits leaving | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 1 | capital falling |  |

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

- 2026-06-18 [Alton Bank President and CEO, Randal Combs inducted into MBA 50 Year Club - E Communications](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNRmpRM21uSko3MlVBOHVPU1lWcjhPMWJjUWFvMUE4STR3dEVkT2o4YVgwam9JZWtlR01aNDhubE11WkVXSThDVFM4bUdmazdRanZPMGlvTGVPeGRRQTROdXVFQTBHSUp3UEQzcHJBZEJhel81WXd1ZDBIZEFnaXROT3BBNTRjTVY1MkhvTWwzcWpsUXJZLUoyWHl4NlVaRTAtd1Btdm9vS0dBNG5DOXNXMVdEdEJzYXBX?oc=5) · E Communications
- 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
- 2020-06-10 [Bank of Birch Tree Branch of Alton Bank Opening June 15 - Howell County News |](https://news.google.com/rss/articles/CBMilgFBVV95cUxQU0tJTld0ZUgtc29hQ3ZBRlZSUk5Od2pQNmFLVHhSdHRUY1FYcllGVGxLZkNmNFZSWmdFOHZDZGF6S2lLandzN09ySHRmSVgzSjZnUTF6OUU1SjJTSkNqSEJxa1hLWUxYY3c1TFBtRmJ2VlNoNTBtdmhSLUtTb1pzcEVjZ0N5MTV1NEFzMjJ0RGdFaHZFS3c?oc=5) · Howell County News |
- 2022-06-21 [Branson-area bank acquisition finalizes - Springfield Business Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE5lQW5Ta2FtSk56b0dSYlNVeTF4U1J0YmtKc1pJcy0wQ1pDSjN4ZUVDYzlONVFHdEdKRjlVQzlEWTVYcklYeGhla29QMUJGcmtKb2h6MEVpbG9nRmZtY21JLWtoRUVKdzFjMXhLdWwxd1FQeHlrWlNDaA?oc=5) · Springfield Business Journal
- 2023-11-02 [Old East Alton bank comes down - Alton Telegraph](https://news.google.com/rss/articles/CBMihwFBVV95cUxQVXFseUtPSGdwNVdsanFmMmVobDlZMmM1WkVBekV1b2I4RGlmM0FzV01vWFlFbzhJVTlyZTZCVElaME5XWnJmLUNQcTlBOUJrTmpFMjVSMlZFbzFIa3ZEU0Y4WFVTZWVUVEJ4OURLLWdIU3E2N18tNmw2OUY5VDBmTi1fT3lVV2M?oc=5) · Alton Telegraph
- 2022-08-06 [Alton Bank gifts $10,000 to mobile mammography unit campaign - West Plains Daily Quill](https://news.google.com/rss/articles/CBMirwFBVV95cUxPczdqRGtQVlhnbkFEQW5LNmZWeEREbEVFNGEyRGFibDR2S0w1U0o1THVCRTlDYXpzSW93Mnc3WmhFVWdteU9HLThSRy1XUG1RSmZEbXBUZ19aZjBsVnZ0cVRKZ0RYeEtRTXZSMFZJLUVkUUt4SG9ZMVVrRGpEak9iUGZWY3V2V2NFdGk1eTFudFljTER0ZlVJcXFGSC16M3NfWElyR3Y0QmE4ZVY5VVV3?oc=5) · West Plains Daily Quill
- 2023-02-06 [Stone Bank Draws $88M-$90M Deal - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTFBXLXRXWW5Obk5Jd3F3cDA3Q1JkOFpSd3I2NUtPYWFrXzY5c3VKY3A3bzVxTTFCRFpiOEtqeTk0azJuemEzU3ZZRjBFMWp6TzRjdlVWLUluZVRuQW15M2JWNERqMXBZZXNKbVJ5cHZTZkUyR2Vhcnd1X2UyRQ?oc=5) · Arkansas Business
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8276 (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/20.json (key "8276", 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