# BANK 21
CARROLLTON, MO · FDIC certificate 8560 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $202.1M | |
| Deposits | $164.7M | |
| Loans and leases | $182.8M | |
| Total equity | $22.6M | |
| Loans / deposits | 109.56% (p97 of band) | 73.59% |
| Liquid assets / assets | 6.36% (p1 of band) | |
| Uninsured deposits / deposits | 27.09% (p75 of band) | 19.81% |
| Brokered deposits | 1.97% | |
| Wholesale funding | 8.70% (p83 of band) | |
| FHLB advances / assets | 6.73% | |
| Tier 1 leverage | 11.51% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -0.28% (p86 of band) | -6.57% |
| AOCI / equity | 0.02% (p86 of band) | |
| ROA (annualized) | 2.72% (p94 of band) | 1.17% |
| Net interest margin | 5.24% (p94 of band) | 3.93% |
| Efficiency ratio | 47.71% (p10 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | -0.04% (p5 of band) | |
| Reserve coverage of noncurrent | 2580.22% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 186.65% (p99 of band) | |
| Auto loans | $470,000 (0.26% of loans; DQ 1.06%, NCO 0.00%) | |
| Loans to nondepository financials | $5.6M (25% of equity) (p99 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | losing money | reserve under noncurrent |
| 2012-03 | 2 | capital falling, uninsured deposits leaving | losing money |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 2 | liquid assets <10%, construction >100% equity | capital falling |
| 2016-12 | 1 |  | liquid assets <10% |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | liquid assets <10%, capital falling |  |
| 2017-09 | 1 |  | liquid assets <10%, capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | liquid assets <10% |  |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 4 | wholesale funding >15%, capital falling | liquid assets <10% |
| 2018-12 | 4 | uninsured deposits leaving | wholesale funding >15% |
| 2019-03 | 3 |  | loans exceed deposits |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | capital falling, uninsured deposits leaving |
| 2019-12 | 6 | loans exceed deposits, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2020-03 | 4 | charge-offs p90 | loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2020-06 | 2 |  | deposits shrinking, assets shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | liquid assets <10% |  |
| 2023-03 | 3 | loans exceed deposits |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | assets shrinking | loans exceed deposits |
| 2023-12 | 5 | loans exceed deposits, noncurrent p90, reserve under noncurrent | assets shrinking |
| 2024-03 | 3 | capital falling, charge-offs p90 | liquid assets <10%, loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2025-09-08 [BANK 21's Carman Booker is Missouri Bankers Assoc Woman of the Year! - The Business Journals](https://news.google.com/rss/articles/CBMifkFVX3lxTE5aWld1SkhEN0tocEpDUmhseG1RN19sNTdndDNTOF9GM19Qd0Z3aFVKOV9Zc3pDNDZvdUlJekJDQjhxRU9fOFZqNThTNVVBbjdZWkJFaGJhZ3N2WGREcXM0eDVWbkdCY2tlT3UzRXQxbEZVTk5vRElvWERwc3hOdw?oc=5) · The Business Journals
- 2026-04-22 [Andrew “Andy” Holloway- Villages of Loch Lloyd, MO 04.22.2026 - Meyers Funeral Chapel Kansas City MO](https://news.google.com/rss/articles/CBMilAFBVV95cUxNV3h3NUlZa09nVXduSXZyZ3dKelhWODkxMTN2emZaRXo3TzZiX0JfS1pOX05CZzBBUkpYZWpRRWxLUmZJZkdZY09SdVI0UFNQRHFCS0tfeXJqOGhITVVjejZRSWZRTkRFWGtoQWxhX2RreEhxVlQyVXFFZmJ6UWhzTFZENDliMlFOclVKbUZnbjMyUU9f?oc=5) · Meyers Funeral Chapel Kansas City MO
- 2022-09-21 [Huntington Banks opens in downtown Detroit - The Detroit News](https://news.google.com/rss/articles/CBMiygFBVV95cUxPTHRqTTR2SFNDMFFtaFM5MktNYlJVSGhMdEo5RHkxQ3Z1VTJXX3A3eG5YMGdmZmFGT2M3SENwci1mLVVxTWtSUjhiS3VFTFFpcHU1bTBzV0s4Z2REVGJrS1RSRUVvcnl3bG5sYU44M3BzX3ZxV0pWZWFrMk85QkV5N2JyRHplekVuSzk4NkpBelYzMEtYeWtsMENKWWxfdlJXOHFabm9yWC1GcDlEV0VCNWZ4SWtTMWV2NC1EZlZvNDJ5YXhWV0hlM19R?oc=5) · The Detroit News
- 2019-12-17 [Hofbräuhaus Owes Bank $21.7 Million, And Its Fall Closure Was Due To Unpaid Sales Tax - STLPR](https://news.google.com/rss/articles/CBMizgFBVV95cUxOeEFpb2FSSnZod0pVb1JodGpQcU5SZ2VDNHhJNU5aQzh6ZjVqSFk3Vy0tY0RyM19pWnk4MDdrT3djRUw0ZEpHTjh3eTBxVjZ3Y2hqVTMwUkxXclNCazROREtWbzhacC1VNWI2ZXNhRndxVlJ0cnJoQlIxRlVwblY5RVgzMVBzRWQ3VlNXUjIxbkx2NHZMbmNOWk5Bc29CaWc2bFBtRzZ2TERVR21iU1RaWGJGUmNaaTdQVlVOWGR1OE1zQ1pxR0xpSDFqX2FDUQ?oc=5) · STLPR
- 2026-03-09 [Busch Light and Bass Pro Shops Reel In Collaboration with Launch of Limited-Edition Collector’s Cans - webwire.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5QbmV4dERZaWlBOXRkM0F1SW42eTg5OFRKdkhCdHNvMlZfT2xZaC1QdzNXbW1fM3d3Vm5LelhRcy0tTW8zeFFtSEVNem0tcFFhb2RQcEFia2U4cDZMSDA5Nw?oc=5) · webwire.com
- 2015-05-03 [Empire Bank to change name, broaden service area - Springfield News-Leader](https://news.google.com/rss/articles/CBMiswFBVV95cUxQLTN4eUc3aVVTS093ZV9VcTI5Q1ZYTllORTFxMFRVZU1wQ2tHN3pIN2R6YkhXS3A3UUE0ck9TdFhWNGRYUlhKejhsZGd2LUdjd3hUVHQtYkZWOW9rUWtOSDl1SXg0MHRSeGxEVWE0UVM0NElUdUROMWFlNHJTd0RuOFl0OERHU1ItRDNsYmp5cUl5cnVSTVNhdHBXNzVWZllQV2dCcTN5aVdTVGUxZHdOZE5UWQ?oc=5) · Springfield News-Leader
- 2026-03-16 [The Beer for Every Angler unveils a nationwide limited-edition can celebrating anglers everywhere - The Bass Cast](https://news.google.com/rss/articles/CBMizgFBVV95cUxOVXRnemJ2cU1CX3VwbFVpX3MwVkRseVpHbHFhNWx3Z3dIY1lvV3FQcDdUR1FoajI2RWMxTUp4TWFBbnUyaERtNGtRRTRzTEhGZm9WckpHemVicUkxVTV2WHlLTkIxMnM1akg0OU9KZF9PVEZ0UWczeDdaeXA4anpOREhxSTNwc1IyX2JqemtQdGxvS1lLYlV5dm5pcGYtNnhjQllvQXNuOGZZV0d1YjFMUnQwWVkyRGF2M01MYXlENTFzWmFVTmMxcVd5SUZzQQ?oc=5) · The Bass Cast
- 2015-02-03 [See which KC banks had the top loan growth - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMkdMRGltdGFiaUN0c0F5VVFDNlNBTHVRZmg3ZE40TGVjZk9lX29PTlc2MVp0LXBkVFZNbGtsR2FCYjRsNkdYc1p1V0NUMTBSV215X01OR29pa0ZkYXJ2Z1dJWW5DQXU5alJ2c2I5c1FVa0J1UkFXS2RxdGUwN2hyUXpJaEl0VEotV2N5ZHJ6WDh6cktEVGg0S1hXaUVXUmlUWlE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8560 (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/48.json (key "8560", 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