# CITIZENS BANK OF ROGERSVILLE
ROGERSVILLE, MO · FDIC certificate 8572 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $125.2M | |
| Deposits | $106.6M | |
| Loans and leases | $93.7M | |
| Total equity | $13.8M | |
| Loans / deposits | 85.94% (p73 of band) | 73.59% |
| Liquid assets / assets | 21.38% (p25 of band) | |
| Uninsured deposits / deposits | 13.32% (p26 of band) | 19.81% |
| Brokered deposits | 1.60% | |
| Wholesale funding | 5.03% (p73 of band) | |
| FHLB advances / assets | 3.43% | |
| Tier 1 leverage | 11.37% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | -8.47% (p44 of band) | -6.57% |
| AOCI / equity | 0.05% (p87 of band) | |
| ROA (annualized) | 1.25% (p55 of band) | 1.17% |
| Net interest margin | 4.28% (p67 of band) | 3.93% |
| Efficiency ratio | 70.44% (p61 of band) | |
| Noncurrent loans | 0.41% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 537.08% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 83.98% (p91 of band) | |
| Auto loans | $1.6M (1.72% of loans; DQ 2.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 27 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 2 | capital falling | expense ratio p90 |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | NIM <2.5% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | NIM <2.5% |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  | assets shrinking |
| 2015-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 1 |  | reserve under noncurrent, wholesale funding >15%, deposits shrinking |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2018-09 | 0 |  | wholesale funding >15%, loans exceed deposits, capital falling, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2019-09 | 4 | wholesale funding >15%, deposits shrinking |  |
| 2019-12 | 4 | construction >100% equity | deposits shrinking |
| 2020-03 | 3 | charge-offs p90 | uninsured deposits leaving, construction >100% equity |
| 2020-06 | 2 | capital falling | wholesale funding >15%, charge-offs p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2022-06 | 1 |  | capital falling, charge-offs p90 |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | charge-offs p90 |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | capital falling | charge-offs p90 |
| 2025-03 | 2 | charge-offs p90 | capital falling |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-12-04 [Rockin Rogersville, 2025 - 417 Magazine](https://news.google.com/rss/articles/CBMia0FVX3lxTE1UOGY5RVBZRWZOMEd4RURzeDVpNVVzcWowV1hGOFdET2lhaUdSS0hveElKZXlEcWVCd0hVMFZnOUVEVWtIdlZLU3gxY1MxZ3VSVHdxYWpUVjBGQjNMSVM3dGJ3eUJHRGZRdmZR?oc=5) · 417 Magazine
- 2013-08-13 [Employees, private investors lead Citizens Bank buyout - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOTdISDFVbXVuUFBvODRRdy14TWFoaHB6bTVkbmQtNHU0SUVyU0tLMUZDMk5Jd3BvODFPb3JjZ0lob2d1NkYzNFZvbm52MlRVV2RMNjEyQS1FYkoxaGhuNG94YTJJaGUyV3NmLXJkTGNMSGJaQ2ZPWUZlMGhUWnFIeWFXdVBHMUdyVWJZ?oc=5) · Springfield Business Journal
- 2024-03-07 [Missouri Senate - Media - Missouri Senate (.gov)](https://news.google.com/rss/articles/CBMiYEFVX3lxTFAxRXpwVndad3FFT1k4eEVFZzFvMkpyQ2RjREpGcEpfSGtvM3pWaVE2aGg5WnZuSDFESTF1OWV4bFNGa1FMc3BJaGpLdVpFS3JYbGdTNG54NmhnYndxT25xcA?oc=5) · Missouri Senate (.gov)
- 2021-10-02 [Bill Breedlove Obituary - Springfield News-Leader](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1Ba2g1UjRSZ19GRDhZRG8wYlNJcmZHNXRLRWowZnJjd1pMQmtpNE9zdk9zaG16c29kbU1mX2FXZnEyNGJQa0x6R0lRNG5nbDQzZ2FVVEtQVTlBNzB2?oc=5) · Springfield News-Leader
- 2019-07-29 [The Next Boom: Officials see Rogersville as next SWMO town primed for development - Springfield Business Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVFVKYmdhanV5WnMtQmdkZGFCZnBVZGFiRFFkRTExbGFpbDVIZjZEZ2UtU1h5Y0hKX2lnVEJFWm1DVlNSeTNvYU83VmhObWZCTHFhMFBIMThwVm5WTmVXMlN0WWNEcUd2cGVXaWZLNklraTJLVkp6SXM3OHVuNnY3ZWMzZ2VZRnZacGRqQmhyNG51TDJyelZVbkFxU0dENndieWRQMjd1OFBBSm43UVhn?oc=5) · Springfield Business Journal
- 2018-08-29 [Fall festivals in the Ozarks, large and small - Springfield News-Leader](https://news.google.com/rss/articles/CBMisgFBVV95cUxNSkdLdXo5YnFVNW9TZV92QjJWcmUtdU9hZU5HaWRkTmsxSHc4R18yWFNhVzIzVXNoNEdWLVVOZ1NKaFY5NEVnOVhleV9OaXJ6UkVKc2VWdVdObkY4eWFMOUNrSTJlX2tnMEdEVEhmWktGSTN2NTZGblFCR0w0Q1l0dlpacHZkb1ZzQl9vLTRmbnh1NTQ5c01ONnVZSHJVNHZYdXpCOEUyaXp2akthTkl2dmF3?oc=5) · Springfield News-Leader
- 2025-02-07 [Businesspeople sound alarm on MoDOT plans along Highway 60 - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVFlGejdDU0syak05bm9USGNmN2UzYkszUmRKc3d1UFM5YzRhTzdQT053WXA3dmI5ZGNveElpMlk2UFcxSHBOSkhyM3dEdTJncHN2c1dZMjJNUW9zQlN0cEo3Y2tfTFYxTmtaeWoxeEszU3Njc3dyaVRHaDV1aHNNM0JweHluRmZ6U25CR3E4TWxNZw?oc=5) · Springfield Business Journal
- 2019-02-06 [Morelock Builders to start multiuse development in Rogersville - Springfield Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTFBtbGd1cTZyWGlCblAtV3RwSEdhX0dRZXRDbUhNNkJNYkR5VkNNb1cza2lkWHlWRjd6bmFhcGRSSWljdGR1RVJtSzVEMDlWUWZkWjdpNTZsTVdITVZFbkVBNDFIc1pHTHlSLWlmRk8tUnZMOXd1aHBEbkZ0QQ?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8572 (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/60.json (key "8572", 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