# O BANNON BANKING CO
BUFFALO, MO · FDIC certificate 8295 · asset band $300M-1B · 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 | $332.6M | |
| Deposits | $297.0M | |
| Loans and leases | $248.1M | |
| Total equity | $29.6M | |
| Loans / deposits | 82.55% (p52 of band) | 82.04% |
| Liquid assets / assets | 22.94% (p43 of band) | |
| Uninsured deposits / deposits | 13.69% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.28% (p36 of band) | |
| FHLB advances / assets | 1.28% | |
| Tier 1 leverage | 9.36% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | -7.67% (p51 of band) | -8.10% |
| AOCI / equity | -0.35% (p50 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 4.07% (p58 of band) | 3.91% |
| Efficiency ratio | 59.22% (p44 of band) | |
| Noncurrent loans | 1.46% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 79.99% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 70.82% (p72 of band) | |
| Auto loans | $1.2M (0.47% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 55 | |

## 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 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | capital falling, charge-offs p90 |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 1 | capital falling | charge-offs p90 |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | charge-offs p90 |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking | construction >100% equity, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 2 | construction >100% equity |  |
| 2023-12 | 0 |  | uninsured deposits leaving, construction >100% equity |
| 2024-03 | 1 | construction >100% equity |  |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-01-27 [Martha Lewis enters an exclusive women’s banking club - Buffalo Reflex](https://news.google.com/rss/articles/CBMilwFBVV95cUxOR1lfY21WZ1pKY1VteGlILXU4NjIxLTNqbXlFS1QxZ2trbXBPMnB2UGx1YTh0cUpYX1ZkcjFaMzRFVmpNYUcxNFp3M3dhRHp6SHFERFI4MVYtdVBucGRhUkFyb2k3ODR5MVpDNTBBdXhJd3BpblFiZklFU1BDRTZJQk1JUERhUHZVMjFCWWhsLTVEdndGYmg0?oc=5) · Buffalo Reflex
- 2021-02-01 [Central Bank makes history with new president - Springfield Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxQYUVpUy1XdUdfRjlvbGhoV0dQeU9mMXpoYmg1MUhkSGxlZW42czdaNXVhNjM3SS1BTUlUZ2l5SWxKMkNqSUJxdFg1QnZ3Q2xJbGx1TkxNUDB4VWRMeHVFOVkydlFGRjhPNEFyMUxHeXJ6QWZSZ0Q2VTBXNGJvMGFESA?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8295 (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/39.json (key "8295", 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