# FIRST MISSOURI STATE BANK
POPLAR BLUFF, MO · FDIC certificate 8282 · asset band <$300M · latest filing 2025-12 · 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 | $278.5M | |
| Deposits | $245.3M | |
| Loans and leases | $219.7M | |
| Total equity | $23.7M | |
| Loans / deposits | 88.19% (p76 of band) | 73.21% |
| Liquid assets / assets | 15.32% (p11 of band) | |
| Uninsured deposits / deposits | 25.67% (p70 of band) | 19.45% |
| Brokered deposits | 3.97% | |
| Wholesale funding | 6.84% (p75 of band) | |
| FHLB advances / assets | 2.87% | |
| Tier 1 leverage | 8.56% (p8 of band) | 11.56% |
| Unrealized securities loss / equity | 0.00% (p87 of band) | -6.10% |
| AOCI / equity | 0.00% (p9 of band) | |
| ROA (annualized) | 2.23% (p92 of band) | 1.04% |
| Net interest margin | 4.29% (p71 of band) | 3.83% |
| Efficiency ratio | 44.72% (p5 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.34% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 4995.59% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 45.67% (p75 of band) | |
| Auto loans | $3.7M (1.67% of loans; DQ 3.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 25 | |

## 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 | 1 | loans exceed deposits |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | loans exceed deposits |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2013-06 | 1 |  | capital falling, losing money, charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 4 | uninsured deposits leaving |  |
| 2014-06 | 5 | loans exceed deposits |  |
| 2014-09 | 5 | liquid assets <10% | assets shrinking |
| 2014-12 | 6 | capital falling |  |
| 2015-03 | 2 |  | deposits shrinking, uninsured deposits leaving, liquid assets <10%, capital falling |
| 2015-06 | 3 | liquid assets <10% |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | reserve under noncurrent |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 3 | capital falling | reserve under noncurrent |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | reserve under noncurrent | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 3 |  | reserve under noncurrent |
| 2019-03 | 2 |  | loans exceed deposits |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | liquid assets <10% | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 0 |  | liquid assets <10%, capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | liquid assets <10% |  |
| 2025-09 | 0 |  | liquid assets <10% |
| 2025-12 | 1 | capital falling |  |

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

- 2026-08-12 [First Missouri State Bank to become FM Bank & Trust on Tuesday, Aug. 17 - Daily American Republic](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSHdaVUhrbGNPQWc2UUdXNms5UDA0aFpSRWVIVkVLSVItYVN6U01TM1p0c0FZV0RJaDNRX2tVLUt0ZG53M0tJeEFyRkZEel9wX1NWOU5ZZTRiR01KV1JiaTdsaU1HdVprWWRtVFhhZ1dKTFY5OUlnMFd0MGpHWVJtaWpHUDVTdGR3NTVFLTJmXzNtUFNCSGlmZ29SRFFucHlFcE1Ya2g5Q3EzZGN4d0E?oc=5) · Daily American Republic
- 2025-05-27 [Blytheville’s Farmers Bank & Trust to Combine With Missouri Lenders - Arkansas Business](https://news.google.com/rss/articles/CBMijAFBVV95cUxOYUxhaVIxSDNVci0wYVcta0FmcUtoUVpHLVg2Y3NVUU5qdzI5Z2xMSU1KZmtyVWhKSG1SNVRzQklyRDJia1dYN1hWLUp5TW4wLUhIb3hQaVgwWnpkcFFJZnpBUFA4SHZzd3ZIbHJMVFNicU5GNWYxSW0wY244OEhhelU4T1NHaWo1T2N2Ug?oc=5) · Arkansas Business
- 2025-09-16 [Local community banks consolidate under new charter: FM Bank & Trust - seMissourian](https://news.google.com/rss/articles/CBMirAFBVV95cUxNR3FpV05oRlpEVDY1LXhlVzViY0xmUjdWSVFJM3FQN0taQUpEZUYwZFBucUVUcUtyQWs2OUJnNUtpWDR4Q09TODN0Z3k2X3A1dXdYdWRQbnJYbmRrQjN1WHV1dFpBRFdRWW5YOENENXotWkxGazktaDZ0a1dqaWhoWEpSeVpzdW9OU091dFJLOXppX01XOUdOTl85c05OVDJEWm0wb1RIM1ZKTjA3?oc=5) · seMissourian
- 2024-10-15 [Banks in Southeast Missouri compete to raise food and money - KFVS12](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMUpSZFc3WDN3aHhUV3hza1RpUkp3ZWVsMzRJQzY5dXNNX3ZNajFzc3JOZnVaTmM1aWVPRC0yQi1KM18zR0R2SERfS2M2ZllTS1dkWG4yUUpHQkpMTy1kdXJIQkVZWHNUbVEycFZLQVA0WTV6VzFIWUVRUWpQUXJ6RjMzVkZoZTVjSXduUtIBoAFBVV95cUxQQlg2UElPWTJ5blM1N202dnZuQXpXSGZEM2NTaTJmbVduSG5EczRvWWlNVHNtOWUtM0xYU29tNVljazhLcGFLVlV2bE9oSzJQOHVyNjBmRGhweVV3bE5KaG5TZDYyLV9WTmF3dUpMejRxUkF6c1BtNy1pVzFGS1FhUWdjcl9UOXY5dnRSQS1nQUFWTmhwcnAyUHhabklGZ3lx?oc=5) · KFVS12
- 2025-09-18 [Five Banks in Northeast Arkansas and Southeast Missouri unite as one to become FM Bank & Trust - NEA Town Courier](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQSUZLa0dvbFZjWU14eDlwUExjNURCaldRYnJLRmZhRHlISnFieXFsOXdfQzNLNlNmT0RmWkt4MlFmZUt3YnY2and6TW4wNjkyWlowNnllcWZGYVRSbDBxUzBSZjNaT0RUZTI3cl82NUhWMWNCbmh5QzZEeDhNbVo3MmZoVEZKMnF1WTFUMkVzc1p5Z1hiOW56em1tRnhzQXlyUnVHVlQ1dHg3dE52aHlCeHBLMkRYUHljV2xFMGwwLV85S0NCQl9fYmkwRkxMRnF4SnFV?oc=5) · NEA Town Courier
- 2025-06-16 [Blytheville Bank Poised to Grow - Arkansas Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxOdGdBdG84WWlydlREcTVYZ254RE9Za3JWSy1sTjhZcFc3ZXFlSWhKUEJ6VDlIQTRWbFFkRzhJNUdIMlFFaDFQLTBXX3RaN1lxbEplcnM5SW5URnliNW9lSmp4aWZ2UXBNOGFPTUFXRDluaEg3bEJ2dzAtS25BNU8xTkEtdl9kS3dsZHl0WE1nX0o?oc=5) · Arkansas Business
- 2020-07-01 [Continuing the Legacy: From Boatmen's to First Missouri Stat... - seMissourian](https://news.google.com/rss/articles/CBMirwFBVV95cUxPeEIxMjFZRTRPTTVwODlTbW1McUVBWElxelFDNVQyaGppVFhZN2JBYzhYQmVJOTl5NXdFMmlYc1dhRUxNUlA5RlozOHZCWnZ0MUZQVlk4UGhFWlVmTmtROHFvLU1vWmRFeTYyajFzOEw0cGpQcWRnWGxmZ1JJVkZwOGhuNFgwcnB0WjdweUhieGNOcER0VTVaVnNBZUc2eER2SkFTamdNYmhvank3SG5z?oc=5) · seMissourian
- 2015-03-02 [Former Cape Girardeau mayor chosen as president of Southeast Board of Regents - KFVS12](https://news.google.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?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8282 (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/26.json (key "8282", 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