# MARIES COUNTY BANK
VIENNA, MO · FDIC certificate 8576 · 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 | $600.5M | |
| Deposits | $518.5M | |
| Loans and leases | $382.1M | |
| Total equity | $79.4M | |
| Loans / deposits | 72.57% (p30 of band) | 82.04% |
| Liquid assets / assets | 31.17% (p67 of band) | |
| Uninsured deposits / deposits | 12.74% (p8 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.83% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | -21.40% (p21 of band) | -8.10% |
| AOCI / equity | -0.35% (p50 of band) | |
| ROA (annualized) | 1.05% (p35 of band) | 1.28% |
| Net interest margin | 4.22% (p68 of band) | 3.91% |
| Efficiency ratio | 68.13% (p69 of band) | |
| Noncurrent loans | 0.12% (p25 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 1218.72% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 34.85% (p42 of band) | |
| Auto loans | $38.1M (9.97% of loans; DQ 2.54%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 147 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 | capital falling | charge-offs p90 |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | capital falling | charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 | capital falling | charge-offs p90 |
| 2024-09 | 2 | charge-offs p90 | capital falling |
| 2024-12 | 1 |  | charge-offs p90 |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 1 |  |  |

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

- 2026-05-18 [St. Louis man charged with crashing SUV into Maries County bank sign, nearly striking juvenile - KJLU 88.9 FM](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQY1RQeTkzb21uLXRRc1R3NVVHemZvVEZ1QjdFSl9rOTBURlB5dHNjdGxiUlVkNkRvaEE4dWFpanV6TFFKVEJSZFVfU19QbTdLYnotc1F0M3d3OFpkSDIzQXpsV0J5dnk3MERQdUFpTUxzNTkzZHc3RVctT2xNTGluYllTS2IySm11eVFjNFdaNC1YM2ZnWmhIUTl4aFAzZmp3WjRiR2tvb0o3cTJ5dklMNWM5dTBUR3ZMVXd4S2ktd0liVzd4VDB3NW5XZUhKXzF6VlcyRElYSGhyOVEzZC0ydTZFYWNDMFRwMG9nc1dKX01IZF80WFNnVjU1V3ZyUmNsTFRZMkt4SzM?oc=5) · KJLU 88.9 FM
- 2025-08-06 [The Maries County Bank begins month-long 125th anniversary celebration - Gasconade County Republican](https://news.google.com/rss/articles/CBMixgFBVV95cUxPcXhGemxMU0ltalc0NnM3ZmNGMTA3ckttRkk0VXA4cGFvM1JMR2VmeDN0OHVsTmNTUVpXVHJ3bVlicFFHUXgzMnc1SDZVRVhLRjE4QVZCWUdmQ1E5ckhBRFp6SVVQMUNvWWZiREk0SkRDdU1meVRhX2ZxOE4zLWlMWXpaamR5RHNYbVQtTnpTVHJNUmo5UGJoNHBPQzVBZGhDb0o4cjVyWm5Ea29HeGZHSmxVWkM0U3d6MnlaN2lYelR5VkoxWXc?oc=5) · Gasconade County Republican
- 2022-11-01 [The Maries County Bank selects Jack Henry for a comprehensive technology platform - IBS Intelligence](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUE9XaDRkMVpIVkE1ZGlaVUN4aFZ1TkllRDJqVHVaU3FoUG5mMEEtUnZubFFDSW0tdExqM3JSSERZTTc1cG5zbzBJSlBZVUE5VkxQRlJLVVhwZzZueTNwWVpXcFZOVlhNNzdEY1NLY1ZINHR6YWFpLUpfZURVWVc1TWxfTExnWldXVXBSak9OanBTVnE0dGVSaWpwOEtnU0kzSlBwU19ZMmZfYWFOOHZlQkdGLWRzTldmUmN1RA?oc=5) · IBS Intelligence
- 2021-02-22 [The Maries County Bank (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiigFBVV95cUxNTFpMbXNzUjJ5S3Y2SHowR3JUcWRjTk5jQ2pGb1Q5eGNubkFLcjVCTnYyZmFqTDJEclhuUldvd0NrYjNHQkY3eEZiU3Vyc3FLX3lzbllfWG5LQ25HMnRULWNiTkpLTnA5WDMtdVFoUnRSbndwSzRSVjNyYUxfWWJnMjhKWlg5c0w2RkE?oc=5) · SmartAsset
- 2024-09-30 [EARL THOMAS FENNESSEY - Trimble Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE55YWsyRUxNZnpoRXBqNEt6WWgxZjFJREV4ZTZrRmM5dW16QWc1UlZZQWFLMVhkaUt5NFJ2ZXQ5c3ItUGI1ZjNBT25SLWpyOEdMS3g1REdja1ZPMnpUTnZsaWpjRnd1Ukk?oc=5) · Trimble Funeral Homes
- 2025-07-10 [Take-A-Stand sets $1 million goal for 30th anniversary - phelpscountyfocus](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdzBDQ0RDcDZpb1hQTVd2ZGRRU2hpZUt4Xzh4LTA4cDc0dEhOaXBPOHVURktGeDI2NElGLW9ma2ZIV1BJSFAtVW9EekJncnJuRnNyTnRIM0pKQm00MHV0ajh2OTRzZndRWmxjZmh2UEJuaUtGUGJ1RGtna1FfLU80ZHIxLVlHbW9HTHJRUDhjR3I2R1M1NXlZQXl0UQ?oc=5) · phelpscountyfocus
- 2024-11-19 [Records allege misconduct by Maries County Sheriff; Heitman calls claims ‘lies’ - ABC17NEWS](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQY21EeW4xdGg1cFp0b0tPRGVSZzFuOHNIRWxhVUZ0VGd2QkdTWnQ1bC15TktQUTRQVF9YazRWdG1MRV9EV09PWVo4RXVlNVRqVVRNSkp0eUFOMHR3dHMtVlZsU3dReW1HY0dPcjlDSWdlTkhTdU4weUw1QWd5dVhrU2M2aS1MZFUtUHdqMDZpNzM3NEF0QXRKb1FZemVDQmhUUFRyU3ltZWd1RldLVEx4RWU4djRSZzNuSkluYjBpaWdFdw?oc=5) · ABC17NEWS
- 2026-05-19 [Graduating seniors earn over $650,000 in scholarships - Three Rivers Publishing](https://news.google.com/rss/articles/CBMipwFBVV95cUxOWkZwMkRmdU5sVXV6dFNpZkpWcW1QTGNTNHhpaTZCLXc0a3RNTnZRYVcwUElBekt4RG5ycVRxYjNXYUJZOVdtMmNaZzdBaDA0QzhnREJoRVhpWDlRV216b29FQnc4T3k0cnNGYnlSVkxSWnZ3TEk1VkJhZ0hSRXFnWkRKb0loVWJHWXdPcDZUSHI4cGlLdGl3QXhtUUk2QzVTUFE1elFOMA?oc=5) · Three Rivers Publishing

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8576 (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/0.json (key "8576", 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