# STOCKMENS BANK
COLORADO SPRINGS, CO · FDIC certificate 8321 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $650.8M | |
| Deposits | $567.4M | |
| Loans and leases | $556.6M | |
| Total equity | $69.0M | |
| Loans / deposits | 96.55% (p84 of band) | 82.04% |
| Liquid assets / assets | 9.89% (p4 of band) | |
| Uninsured deposits / deposits | 18.63% (p24 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.41% (p37 of band) | |
| FHLB advances / assets | 1.15% | |
| Tier 1 leverage | 10.63% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | -0.46% (p91 of band) | -8.10% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 1.48% (p63 of band) | 1.28% |
| Net interest margin | 4.79% (p90 of band) | 3.91% |
| Efficiency ratio | 54.01% (p27 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 866.27% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 51.05% (p57 of band) | |
| Auto loans | $1.9M (0.34% of loans; DQ 3.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 20.2% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## 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 | 2 | construction >100% equity |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | construction >100% equity |
| 2012-12 | 1 | construction >100% equity | reserve under noncurrent |
| 2013-03 | 1 | capital falling | construction >100% equity |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | loans exceed deposits |  |
| 2015-09 | 0 |  | loans exceed deposits |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2016-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 | NIM <2.5% | capital falling |
| 2017-12 | 0 |  | NIM <2.5% |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | liquid assets <10% |  |
| 2023-03 | 1 | uninsured deposits leaving | liquid assets <10% |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2026-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2026-06 | 1 | liquid assets <10% |  |

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

- 2026-05-19 [Catch-a-Crook: Ozark County Sheriff’s Office seeks two men in attempted ATM theft - KY3](https://news.google.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?oc=5) · KY3
- 2026-04-02 [The latest on the attempted ATM heist at bank in Gainesville - Ozark County Times |](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTWg3TGU5dHZGTS14ZW5aMk84Y0w4a21xWWQ0VWxRWjBEdjZieWlmeGxsbXRIS1c1RG9wY1JoMkNZNzZuZVFDVVRYSGVSM2tqT1VDMlM5TVN5T2o4VVRxZ2VGMG9heGwyVzRjS0gtZHA2NkNGSm1aaWxiZnVVcDV4Q3B3LUZUMEpQNWpuajZZaldaQ3JrRkNn?oc=5) · Ozark County Times |
- 2026-07-25 [First Bancshares, Inc. Announces Operating Results for the Quarter Ended June 30, 2026 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2022-06-13 [CrossFirst Bankshares, Inc. to Enter Colorado and New Mexico Markets With Acquisition of Farmers & Stockmens Bank / Central Bank & Trust - Business Wire](https://news.google.com/rss/articles/CBMilAJBVV95cUxNXzBoU3FNWnFhTUxsZUdhMGtwcFdoeE5zOUZZZ1FZYkpWVHRyWFkwb204ckJ6SWlieDE2UGNfaDZ5d0hLeEJfalBCOG9RVTdIZ1NoSU9wZmJLdDg3bkJtVF9qbW5PRDB1YzFkNldzbjlGXzY2eUFtNWNtNjdMTnhvc1VpQzlSLUtvbjVFMHpyUU4xanB6UXZ5US1nbGNhQmp3eVRGSXVQMnRHR0pybC1tNi1MVkZZYk44aHdCODFKOW9jT1lVZzNmVWw2WC1FLVZUNkZFZkZHZ1U2ZU9sc3MtbkRPU3RlY2VnZnBJTlI2eFhUYUVZdE9HeEVtUHpFbTdwcmNyX2YwZ1hIWGhrNHRBSmZFVEE?oc=5) · Business Wire
- 2024-07-11 [Stockmens Bank parent reports 6% dip in quarterly profits - Springfield Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxPclNhMnlUaXZheXR4NUZhNjdXQnNoeXdheE1RR0pwMWoydFhMdXVwTVlBWTJmY0dreW5CRy02TUtLOWhwa2FnZUV4VmdCNXA4Zlc3Um1vQnVfNnE5QjBwTFlrMi1RZWZiZmV5ZjdBWVlCV1Z3Z00xN1QwNy12OEZneV9LLTljQkp5SklLR0E1VQ?oc=5) · Springfield Business Journal
- 2025-04-25 [First Bancshares Mo (FBSI) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9ETC1VV3FWSi1Fd21Kd0dXVzQ5TkZXbEpnUVlnODF4eUcwaDlHNUI4a0l4NVdRZGRJT3VKX2N6WVJxRkhJQkluRlhNNGRJOExDVVpn?oc=5) · stocktitan.net
- 2022-06-16 [CrossFirst Bank to Acquire Farmers & Stockmens - Banking Exchange](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLVA3aG9yblk0Y3dMWWRmVkFxcGpobmlhdURLWUt1eU9mR2poWndrYWRSdWtiWUJjX0k0Wk5VR0V0YnEwT3RTWDQ1dGYzTEllZGFZS2tNY0Z2RVEzTWtzRW9ET05EVkwwUzBEWkJabGZ6Zm1mUW5hX2xPcW5GSHdHbTBSaW1qRVFyaDZ3VWNzVkMwSFdzeVBVbHd3?oc=5) · Banking Exchange
- 2024-10-19 [Citizens Alliance Bank plans to buy Stockmens Bank - KRTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ3ExU3B3dVdSUW1VUEkwZUh1MThGMWVsS3gyd3BLVTZvY2VaRlJVZEYwWlpROHJqcUdWSVowV0NSdTlweXpNTENqeGZ6ZEpEQTljUkV0WUp1MnFqN0hFWWJzT1dvU0wyU2FBM0lwSXRvVG5sSmVKT0lRa3ZuYUZzZ3JabTNRcmdFamU1WHhBMF92NlNfdFJsR1c4OElYNFU?oc=5) · KRTV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8321 (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/1.json (key "8321", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide