# BANK OF BIRCH TREE
BIRCH TREE, MO · FDIC certificate 8278 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**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 | $23.6M | |
| Deposits | $19.8M | |
| Loans and leases | $16.7M | |
| Total equity | $3.7M | |
| Loans / deposits | 82.24% (p78 of band) | 67.95% |
| Liquid assets / assets | 27.81% (p32 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.54% (p90 of band) | 9.95% |
| Unrealized securities loss / equity | 1.80% (p40 of band) | 2.77% |
| AOCI / equity | 0.05% (p70 of band) | |
| ROA (annualized) | 0.56% (p37 of band) | 0.78% |
| Net interest margin | 5.50% (p98 of band) | 3.77% |
| Efficiency ratio | 74.93% (p54 of band) | |
| Noncurrent loans | 3.21% (p75 of band) | 1.40% |
| Net charge-offs (annualized) | 0.51% (p86 of band) | |
| Reserve coverage of noncurrent | 78.58% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $1.7M (9.97% of loans; DQ 11.50%, NCO 0.29%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |

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

- 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 |
- 2026-08-04 [Polls are now open for Missouri Primary Election - E Communications](https://news.google.com/rss/articles/CBMimAFBVV95cUxPd1BuOGdoN0pBd2RIclRZUy04OEdsNnNLTFFyNzg0djFUYUJsMm93Y0F3eEh4LVhNZmxmcy1QdGNFU204MkxoN1hIbVhMUWVmT3lPejJpMzhvVmR6UHhGQVo5MFhzZThWdnBNazNmelFWNFZYUzEwQTVBVmpKNEdSNEhYYmZlZFM5RmV5Njh2VVFqTkN1V0oyRA?oc=5) · E Communications
- 2020-10-14 [Bank of Birch Tree Holds Ribbon Cutting - Howell County News |](https://news.google.com/rss/articles/CBMie0FVX3lxTFBBXzlJQVdSVy1XRE1iaXRxeXJxZ0JKZ2JncjIwaEhvWWpXU29RZXlDLVlpcmFzOUZXODg0bFhUZWRTZk1udk5FSncwVHBHWE5FNXFhNjE4SEFWX2ItTHkteENGM1laelNuOXI2WXN6ZlEtNFJMVGdIRGliRQ?oc=5) · Howell County News |
- 2021-04-21 [Missouri Highway Patrol - Howell County News |](https://news.google.com/rss/articles/CBMickFVX3lxTE9YSUR1SzY3RDVrVW1VVTRFYkdva1BVQ3I4WFVRVUtES2d6MHlBajlTSTNfZ3AzMktibGxrU1dsVzFNVGpiSjVDTjZCRVZUSUVDSlRXbjZnZm1lVjBoWW96cjduYXRreHZKWmlsLTRBRkI3UQ?oc=5) · Howell County News |

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8278 (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/22.json (key "8278", 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