# BANK OF GRAIN VALLEY
GRAIN VALLEY, MO · FDIC certificate 8564 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $110.6M | |
| Deposits | $85.3M | |
| Loans and leases | $66.8M | |
| Total equity | $25.0M | |
| Loans / deposits | 77.09% (p57 of band) | 73.59% |
| Liquid assets / assets | 39.53% (p62 of band) | |
| Uninsured deposits / deposits | 32.13% (p85 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 23.96% (p93 of band) | 11.76% |
| Unrealized securities loss / equity | -1.00% (p77 of band) | -6.57% |
| AOCI / equity | -0.27% (p55 of band) | |
| ROA (annualized) | 2.14% (p88 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 53.10% (p20 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 8.77% (p36 of band) | |
| Auto loans | $88,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 0 |  | deposits shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 | capital falling | uninsured deposits leaving |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 1 | deposits shrinking |  |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | deposits shrinking |  |
| 2025-12 | 0 |  | deposits shrinking |
| 2026-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2014-12-02 [50+ Years In: Banker Lefko shares lessons learned - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNktQVEV3VjY4U09KNkRhSEFEbC15dUN3SVhCSld1VFlBdzdoTHBPOGtHeFpxeE5lQzhJMU1ROGRMSFM0NWxOZEVpYjFzNDFQbmYxZTNqcllLOFdSblBVaEN4dFAwNVN0UHJxQlFITWNaMkJMOTFOaDQ0RmZ6VzIwZG42aXo3WXc?oc=5) · The Business Journals
- 2023-12-25 [Evelyn K. Hays - Royer Funeral Home](https://news.google.com/rss/articles/CBMiVkFVX3lxTE92U3RZYXRDUGhBVy1zaFJsbjJGUFFxY3pYOHlfdTg0amg4MkM1cGstRTBZeGgxeXVMZUd2QktDbHBWMjJQYXhzN3RpTG9qaWhRdlBVYVpn?oc=5) · Royer Funeral Home
- 2009-10-02 [Walter Davis Obituary Oct 2, 2009 - Speaks Chapels](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBlTngzNkQ0Q1B3ajg0LWNERGtIMEVHZFlRM0p1R1N3N0F2UW5RSWJpSTFpRjVvNDhXUGVwV05PSmxKMXMtX3QxUjRhelJWN0M1VmlFbVc4THBmZ1V2a0VzRy16d3E?oc=5) · Speaks Chapels
- 2013-04-11 [Ex-attorney admits bank fraud connected to Porter foundation - KMBC](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZ1RsbzZzUzRDRUppZ3B2bnZzQTlPa0g3OHBtRkk4ODFzNXVtaEJrbC1OYzFDLUZqeDhsZkhCUVBlMW5mRS1HZDJyODNidlpibWV2bC1lN0FwbndxbzI1ZlpYZlAwX1FTeXY5T2xlSUxfUVg5MHdqZEFrSVdLejg4NE93cEVkNEJtTkg2d0d5ejU2RHJRWHVtRnJlVUJ0THlG?oc=5) · KMBC
- 2009-03-04 [Todd Gropper Obituary (2009) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOUHhpUFlOYnRURGFHYmJrRThyTUdJTWp6WnIwdDFHWVlJNGxxdjFvcTJBMGR5VGRHSEtRTVc5UHJPRWN0c2daWl96MlhyUExUYmhUa1lFaUdkMzJKOU1pT2hDSFdjZzNYYlQ2X1ZVMjd6dVBSZ3pWZHoxTWpWUjZPNXUwOFk1UFNBYXRybzF3?oc=5) · legacy.com
- 2008-02-24 [Brent Weddle Obituary Feb 24, 2008 - Speaks Chapels](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1TeXVhdHFPS0Foa1Q5ZmY2MWZsTndLMm9IZ0ZGNzVLdW5WSW1yNGFmNmdjTXhnT1l0N0p1enlZaklCRnpwVFp3RGotaGdra0tTckt1QXl2MHZQME40ME0wbnhR?oc=5) · Speaks Chapels
- 2017-03-01 [Lee's Summit attorney, a former legislator, gets disbarred - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZElRd1Vna2dJRDAtSDh1ODIyVHRNbkNqLWxtWWZJNGt4S20yNC1BOWZGYXlSZlFfeTROSDhWWmt4dlBTa243UHNLa2VMbGpVOS0zVkZmZTZQV3pLQnBCcG85SHpNRGJZMWpsSl9XUXl0ZGJiX0dCMUpJd056Sks3eTBmWHVLQklsbFY4ZXFtT2drMmNOU2c?oc=5) · The Business Journals
- 2008-02-14 [Scott Wagner Obituary (2008) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOXzlMQ0FuTUpldlBuTEo4NkNtNW91MEwtRjIzUUJicGswdFFUdGRUY3pSTjNYYUdpWFdBZFg0bFB6Q3NmR3ZueUd5VjVwSXg5X2FjdWdaZVNzTWxMa1ZRZzQyLS1uV1NOMGdyajBqcV9IU3RFRk1GVVV5dzVvNk1lTjQ4cnRGbWJrQ291R2tB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8564 (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/52.json (key "8564", 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