# COUNTRY CLUB BANK
KANSAS CITY, MO · FDIC certificate 8888 · asset band $1-10B · latest filing 2025-09 · stopped filing (departed)

**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 | $2.23B | |
| Deposits | $1.96B | |
| Loans and leases | $1.51B | |
| Total equity | $224.6M | |
| Loans / deposits | 76.23% (p26 of band) | 86.09% |
| Liquid assets / assets | 29.82% (p76 of band) | |
| Uninsured deposits / deposits | 39.59% (p73 of band) | 30.69% |
| Brokered deposits | 1.96% | |
| Wholesale funding | 3.99% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.55% (p54 of band) | 10.36% |
| Unrealized securities loss / equity | -8.36% (p51 of band) | -8.45% |
| AOCI / equity | 3.98% (p69 of band) | |
| ROA (annualized) | 1.56% (p77 of band) | 1.10% |
| Net interest margin | 4.02% (p76 of band) | 3.55% |
| Efficiency ratio | 74.36% (p83 of band) | |
| Noncurrent loans | 0.47% (p49 of band) | 0.48% |
| Net charge-offs (annualized) | -0.06% (p1 of band) | |
| Reserve coverage of noncurrent | 252.94% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 64.37% (p65 of band) | |
| Auto loans | $818,000 (0.05% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 388 | |

## 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 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | expense ratio p90 |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 4 | construction >100% equity, assets shrinking |  |
| 2022-12 | 5 | deposits shrinking, uninsured deposits leaving | construction >100% equity |
| 2023-03 | 3 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | securities losses >30% of equity | assets shrinking |
| 2023-12 | 1 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |

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

- 2026-06-02 [FNBO to buy another Kansas City bank - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxNX3hKRkN4SGZEZEkxdm1ZejE1NnJEYmJWajg4VFZQTFYxaGMxZEI4M2FOaXhfVWRMaVhzS2ZiZFpNaGo4WENuNzFlUVAxQ3Z5UV9QSkxuNERTM2pZX2N1QmJuX2d4U1NHMkcyb3l5T3JhUExSVmVmc0FlQzBrY3NzTEE1ZTJzX1Q5bFRpcGZLNHNmQmRYWUc5VUhrZ21halk?oc=5) · Banking Dive
- 2026-07-13 [Man charged in armed robbery at Country Club Bank in Kansas City, Kansas - FOX4KC.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOUU0yaUJjZHpBODdhaXhTOGxCcEc0OVoyNW1ZQU9nRmxfLWdEZUJ5eFpSM1ZUZVc0QjRtNC1NeHY3c2pKRm1CVmQtejNsaUdsa05jdFMxV0UwT1BJUkVSX3VVVE1oY3ZfcnNTd1diNV9mdksyeHhQaWlLdngwdkhXZW5sSTlLQ2tELTBnQnV1TlFLT2VuYTNCOWVqQlDSAaIBQVVfeXFMTXRyaF9FcUVUZzdzZkZ4WXZjaGRzdFRDZ3h5anpRcVVYbHo3WVlsNFgtSWE1bmFNNHdxNDZPcU1UWlByRjZEdEVuZnZTUXFGMnpreTFHZzlOTHFMeGRDckZ4M1RMcE83NGV3SnkzeUFVZUt1bndwYndrdnRGLVRGd1dlVTc1Qzc5ZU5nWXhPZThuaXlWdmZ6ZzJxQmVwekJyc2tB?oc=5) · FOX4KC.com
- 2026-07-31 [Country Club Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE04ejNwSDk1aWJ6U21NNURkb3JTMWNINk1tdy1ZaDU1UXVFb1I4TENtaGxraU9SbEFXclRpSmszWkhqUzgyeEJXQU8xUlVnblFoVHB0NmFTb1pKZ3BXS0JOU0JZVXVSSjlMNHl0RFk4dndhMUU?oc=5) · reveliolabs.com
- 2026-07-14 [Man charged in June bank robbery in Kansas City, Kansas - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMilgFBVV95cUxOcC1zXzNXT2pFWXdoRnI4V3pOZzMydVM2WGtFTnVGVGpOYTNqZndWRXlSaVpVZnQ3X0JFbVE5aExNaVVTamZqRFRtMjV1WEw3UHBQeWlPQ2NtVEtwZXNPRmxQazZLM0FaVTJ2Tkk0MjFPOVo2OXF4MVRFdkU3VHF4NFNIcWlQRV9Na0NVU3JXanR4cG9ST3c?oc=5) · KSHB 41 Kansas City
- 2026-06-17 [KCK Police, FBI asking for help identifying bank robbery suspect - KCTV](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY05iSXRwVFpjMjJsb0lvaVQ3YjN0Y0lPREk4M3R6bG9lTHVOWWNZUi1pdmZIUXBTRV9PcjZBYWg2SjlSeE9BWURMQXljUzVfUjd5bGxnTkJuWG5fMXl3RVFRdC1sRDlGY18wUTlGbnBlN2JISkRKeTNFdnp2VlpYTjBpZ2lRNFNrUUhDbmdjNTJKVFk?oc=5) · KCTV
- 2026-07-30 [Hawthorn Bank hires new SVP with 20-plus years at Country Club Bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVXN1eGltdVpMRzZNT29OcUtqdkFrcExqdHFIRXg2RHcySEt4TG5IT09NazdDMDB0OXluZEdnN2w1WDRrUFM1T0QzbmxUV05LbUZoWHhQSUNiang2eWppYTRrRlhTRTRERmdsRVdsWUpYSXlHTEoydDlWLS1hZVBsOWhSSTg2WlkxVG50elhIaXlDODFCWnJDUkF6ZGVOc29xaUtaTjU4RzdSVmxL?oc=5) · The Business Journals
- 2025-10-01 [FNBO Closes Acquisition of Country Club Bank in Kansas City - chadronradio.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOWV6MmN4NzRyNFFtTVRuOS04azg2R2VTNlZmMWVVTzh0SGp3SndESl8zY1hmUnhsQ0ttWWo2WWx1d0ZTb0VYMVliTTlQaXp1NXN3bXRSVkx0eVB5UnNraGM4aTViazZPNFVuS2NkWEY4NUFiVW1LcmtSVjNOU2d2MWxnMHpJQU9sUnY2UWF3?oc=5) · chadronradio.com
- 2026-03-13 [2026 Thompson Medal Ceremony set to Honor Dr. Stephen Reintjes, Sr. - Benedictine College](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdFVLY2k2Wk00ZU0tQ3BSN2RLWWFYN3JhNjFUMm9ycWNiWDBZVUNHSDFQUnZpekVMcVdOWGJEbnFLNGE2Rkc3SlJwWmhVLS1IMFdWb0xpc19sM0J0SUU2bHh4S3VhSTBjMnBiWmF4T2tqZE93aWJDcldFRkg3cUg3bnRlQl9iUTNaVE5DWlI3VFlxdWtBTzhSWmFn?oc=5) · Benedictine College

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8888 (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/56.json (key "8888", 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