# GOPPERT FINANCIAL BANK
LATHROP, MO · FDIC certificate 8569 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $312.0M | |
| Deposits | $269.3M | |
| Loans and leases | $202.9M | |
| Total equity | $31.4M | |
| Loans / deposits | 74.52% (p34 of band) | 82.04% |
| Liquid assets / assets | 32.03% (p69 of band) | |
| Uninsured deposits / deposits | 22.34% (p37 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.35% (p49 of band) | |
| FHLB advances / assets | 3.35% | |
| Tier 1 leverage | 10.07% (p36 of band) | 10.81% |
| Unrealized securities loss / equity | -0.47% (p90 of band) | -8.10% |
| AOCI / equity | -0.50% (p41 of band) | |
| ROA (annualized) | 1.30% (p52 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 58.19% (p40 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 71% | |
| Construction % of loans | 31.55% (p39 of band) | |
| Auto loans | $975,000 (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 46 | |

## 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 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-06 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 2 |  | assets shrinking |
| 2016-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 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 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2025-07-19 [Goppert Foundation provides support to Martindale renovation - nwmissouri.edu](https://news.google.com/rss/articles/CBMihwFBVV95cUxQN29JbzVTaVNTbEt2ZjZ2MHZQWFAzTmRkdlJxT252ZDBNMl9WYUc2UWhEUHZDV2VCcEJ0UjZGOG0zRV9QRV9WLW9kQ1p4UXBwcEhWdFhLaDZXSk5vb3NXeVQtQ1lNTjZTbXJSYk5uaDBmbHppYXFOS1FpalJvQzNtYVUxRy0yY2M?oc=5) · nwmissouri.edu
- 2023-04-06 [78-year-old woman accused of bank robbery in Missouri… Again - FOX4KC.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9lU2RiSWZSNzh4Z1VnSzBlMVBLNEF1eUJmc1FDRnFMU3RsaWhSekNUNDR6ZXJEOVBKTVlFSUhlX3ZBYjNsRWo2VUNLbm9RQjNRam1TZl9TZEVPekNqdjF1ekZLeXJYalhyU1ZMWUZybDVqemRVeWJ6YldWWWzSAYIBQVVfeXFMT2tqczBHb2pMbHc4eW1XcUZ4bTl5TUtmUWZ5elVaVVJ0NzhGZDJjWjZjV1VMQm0yX3BXYlBncnJhdmI4YkdWNm5pUnk3bXpuSzl4OU05dDJQZGIwUWxkWWxyVlNSS3IzOEV0TjROS0c1YjZQanRfOWdtcHVoa3paTlB1dw?oc=5) · FOX4KC.com
- 2023-04-08 [A 78-year-old woman is accused of robbing a Missouri bank. But it wasn’t her first time - Kansas City Star](https://news.google.com/rss/articles/CBMic0FVX3lxTE9ib1Q2SWR6X0NSM3ozU0lkMEZ2Z1o4SVNEcjcwSUZwZFFaekRCVl9FM2E2VzNrVFFZSWs3a1cwTVZBRXpIOXJ4c0xwMXJzcEEzZUtZRU9RaTMwVEF2dXlBc2ZSWWJydTJHUDgtc3o1TmFicW_SAXNBVV95cUxObE0tSUNhS3hSM1FmYlNvam12Z1BIcVppR1FiMnBsSEpudF9WNzhyTVkxQktKQnNqdHRzaTNqSGprMlBNUWhQRktVMEswcEhIbTRaUjlrcFQ3a3FzQnpZdzJfTzd3LWtUazAxT0hzMDdWcjdr?oc=5) · Kansas City Star
- 2023-04-09 [78-year-old woman charged in 2nd Kansas City-area bank robbery - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMimgFBVV95cUxPeldwdU9vWmhicDAtak9jVXBtZjdSVzlhWms5MUtfZTNvamhSUjRqNzBYTzE3VFJWb3ZsX0FmMjQ1YkJRQUxqRHZuSS1yNUwtajJoMWhndWVZdDVWSmJhdzE0Z3F3VGpYT19rUWhGeDRqODlPanhGdXRjaVE4T1hLSXZPajJWWmNRUUtjRjdrNlRFQWVjbUNoanpn?oc=5) · KSHB 41 Kansas City
- 2011-11-03 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMic0FVX3lxTE5XSzFQamNmeE95U1lKNEZqdU5obTg3azFNby00VHN2R2t6UTRVVTVqNGlRM0pxNUpMUkxoY2dNZDZKWnV3WUNnZzZXdlB5ZDNsWXVKRml0bU5TRVFWcHdCcFFTc081bnUxZEtIRmJPeG83ZzQ?oc=5) · Department of Justice (.gov)
- 2021-09-06 [Richard Goppert Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOcWRsazdsbmYzcDVsRXRQWkh5cjVQUHZhT1JnR1NESDhzaGQxbHBLQjBzVTdORG1iUTNXRWZiTFhKVXVoZkZ0SV9LMUk2dS0yVzVqTmVqVVVLS2dpVTAyWWdVVGhrbnJocUhvZDNCQ2lrTVdIUkRIeEdUWUdkSGswNTFKVUFwa3ZWNWc?oc=5) · Dignity Memorial
- 2023-04-10 [78-year-old woman arrested in third bank heist attempt, police say - NBC News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUEFVQVVTVFlMVEZFOWNJQ0FNZXc5dHhiTWhNTGpCSWhQbmhrcDVWVkg5Z2JxbVZJTHdaaTh6cjktbU5aQk9JM01YNGNQZzh4WEhBakU3bjdydDBrTnN4OVVyUHBkTUgzOGR0TTZWYW4wbmxVX21FNm5udzBvY2FYcTQ0OWxwQ3pvVFQ2UU5FNHRTbnlKdExSdWoxX0gtR243LXc1b0lpTWZld2FZbWc?oc=5) · NBC News
- 2023-04-10 [78-Year-Old Woman with Two Prior Bank Robbery Convictions, Arrested After Missouri Bank Heist - People.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNLVIwQ1h2NmpsR01iRXpkaUZlcF9DLUdOMWlvUXFmNFJaR3RneWc4Z0RrbXhka3daRnFJelExeFVmbXdJVmxsYXVaeFZ2WGNOQ1RnMUp4ZE5WZ1NEM1IyU1VPRE9rUVN2U1VpNU5reUpNdzBqLVlaM2xQeUl6NFEzcU9uX2xUUFpZdFN3ak1YUVZCc0JodWVhbUxyQW4?oc=5) · People.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8569 (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/57.json (key "8569", 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