# SULLIVAN BANK
SULLIVAN, MO · FDIC certificate 8892 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.40B | |
| Deposits | $1.23B | |
| Loans and leases | $1.19B | |
| Total equity | $119.6M | |
| Loans / deposits | 95.71% (p77 of band) | 87.10% |
| Liquid assets / assets | 11.77% (p10 of band) | |
| Uninsured deposits / deposits | 26.23% (p33 of band) | 30.76% |
| Brokered deposits | 5.28% | |
| Wholesale funding | 8.30% (p58 of band) | |
| FHLB advances / assets | 2.86% | |
| Tier 1 leverage | 8.75% (p8 of band) | 10.50% |
| Unrealized securities loss / equity | -1.13% (p87 of band) | -7.75% |
| AOCI / equity | -0.26% (p53 of band) | |
| ROA (annualized) | 1.13% (p40 of band) | 1.26% |
| Net interest margin | 3.46% (p35 of band) | 3.70% |
| Efficiency ratio | 54.46% (p36 of band) | |
| Noncurrent loans | 1.45% (p84 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 82.65% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 182.80% (p99 of band) | |
| Auto loans | $15.4M (1.30% of loans; DQ 0.24%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 166 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 | construction >100% equity | liquid assets <10% |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 | reserve under noncurrent | loans exceed deposits |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | loans exceed deposits, capital falling |  |
| 2014-09 | 5 | liquid assets <10% |  |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 3 |  | loans exceed deposits |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | loans exceed deposits |  |
| 2016-03 | 5 | capital falling, charge-offs p90 | loans exceed deposits |
| 2016-06 | 5 | loans exceed deposits | charge-offs p90 |
| 2016-09 | 6 | charge-offs p90 |  |
| 2016-12 | 3 |  | capital falling, loans exceed deposits, charge-offs p90 |
| 2017-03 | 3 | loans exceed deposits | reserve under noncurrent |
| 2017-06 | 3 | capital falling | loans exceed deposits |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | loans exceed deposits | capital falling |
| 2018-03 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 4 | liquid assets <10% |  |
| 2019-03 | 4 | charge-offs p90 | liquid assets <10% |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 1 |  | noncurrent p90, reserve under noncurrent, charge-offs p90 |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | liquid assets <10%, capital falling |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 4 | loans exceed deposits |  |
| 2023-03 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2024-03 | 2 | reserve under noncurrent | charge-offs p90, loans exceed deposits, liquid assets <10% |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 3 | liquid assets <10% | capital falling |
| 2025-03 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-03-28 [Sullivan Bank constructing first permanent location in JC - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxPMGYwWm80ZUZCWUV1dE9nRGhaOTFpbkNFMUpoRlFSZlhVNDdsaUVUakhaQjNsUDZzem5iQk5XZncyR2w5TldEeldqdS00N0VPYTU1NWNKc3VHYVpZTFVLRWtRdGpVLTMwRmtOZ1VMRzZrbmRORW9IdFZ1ZlVHY0VfeGFyeHVzYWZKS25LRms4a3dxUQ?oc=5) · Jefferson City News Tribune
- 2024-12-04 [Woman arrested for running over bank employee in St. Clair, MO - KMOV](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQzdKTURXTmNMaXhZX3J1TkxtSFdHUURWc3Q1djI5bnAyS2QtWjRPSVBXeXhTS181eHFpZDc4QmNPX1ZrZFUzLXpoZ3IzbU5EaFBLakJON0hWb1B5eVNGN09vcEtzZ2QxenFOcDVZV2wwOHBzbDJ3ak94anVtRndUeF9TbFhxYmYtU0h3NTZSamdzeng3bzF5d9IBrAFBVV95cUxNbW5oUjN1UkhrMlVyVkx5d2tPdWNodlRjUEwwc2YtRkt5Y2ZDMVRqV1l2WVVHVjQ2YXQtNUhHS3VNN2dNMW9kSENybkxFd0k1SU9tU1F6Z25WdHhtdzNQUmpHZDJNM2NVbnVFQVFrSUJNb05xTUVNc0dnME5ybDBIZ3pDeG5XcjBWQWxxZkJfNml2a2JmNDZhdk0ySEF3MVBNZ3YySkdHb1pxekYw?oc=5) · KMOV
- 2024-12-10 [Woman charged with running over bank employee installing Christmas lights - LiveNOW from FOX](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUnNXQ0hkUkRob3BnZVpVclRZMUV6dkJ5bWdsWVR5VlZFTXQwV0pUZVR1T2NjZWZVLTh3cG55UDNRYXR4c3RvNllVTlZQOE5EdjNFWVhRN29McWVIN1VlVnRJV0JiYmkxRXdLOEFrSnJ1VWYybV93ay1nX3lTWWhhMkdVaklDTzg?oc=5) · LiveNOW from FOX
- 2022-08-24 [Missouri-Based Sullivan Bank To Enable Customers To Buy Bitcoin - Bitcoin Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxOb3dSZmRqOC1TeWxoZzJLemFWRjYtNTN6WXBvRWJJYnpzUG1aemR5SkVOdzB5RElEVU1yQW1LY0pMa0hVZkxjQXpuY2YzNWxnUThNdHlmRldQanI0MW5GVEJGbGZYak9CeVRpT210Z0NnMWQzUExFNDNuenM0ZHItY1dFMHlrQUMyNU9UYU9LMWxDVVA0XzQ0Um9vczFBc21MNTdv?oc=5) · Bitcoin Magazine
- 2024-12-09 [Woman ran over bank worker putting up Christmas lights because drive-thru was closed, police say - WWNY](https://news.google.com/rss/articles/CBMiygFBVV95cUxNb0F1dHlEN2d3RTJaQjdXZWs0WUo2Qll6WGFIbXZZbFlMRktvNWp6ZlQ5NmhuUDAyY1BpLW1wamtjRjlSaW5iWkNDUzhUSFIzenA5WXIwQlQteTFGQkJ5TElSblo0SVE0dl91ZHV0SGtTX3ljUnR0ZS1vdUpCUDhBUUlhMllYRVJBZWQ4bFI1M1JqRGhwTGF6eGlhREdkTjBoSU03QVdFdm1BUnZoYWxicUtjNGV3UGhHVlpaZUlSVUNjSVNabXhmb3p3?oc=5) · WWNY
- 2025-10-29 [These 5 US Banks Let You Trade Crypto — #3 Will Shock You! - CCN.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPQ0luLW1HeVJnODY4Ry1zVDJXWTRyODZFalJZUDk1YVhsSGtXdHppYmZDYzdGM25rRUNpMl91d3FYTVRibExiU01raGNjQzk2czV4NWV2SGJZUFJUbDZOZ1VkN3hwMFBhdUhZTEZmY0U1UElQaVdqQUNVcUhkaFJCZExsVUM5RVdEMGNYakdfVkw?oc=5) · CCN.com
- 2024-12-05 [Woman 'accelerated' and ran over bank worker putting up Christmas lights because drive-thru was closed: Police - Law and Crime News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQakdacDZzWHc2SGtvdzh5MER4U1gyUk5fb1RBMXRzZERfbjBUTVJjVkswOWM1X250WVdJY0p0NlJfTnhvZWRMT1g5cHU1ZXc4dV9Na2M0RXBubzlKOGZhTkF6N3g2WTRtLWdBN2plRUN6MjROaUhCRTFPZUJvYkkzSTV2V0tpNlZDcFpNTVU3WFNkNkMyODJSVC1ub3c5SXpnbWJBLWdneE5hZ0tsNDFvN2REbnVmbUY2Z0xDQ21jaGZGQ1Zmbmd3RUh2R1dhSHRKVDU4NdIB2gFBVV95cUxOc3plbk1vS2VqUTJ3Nm1SU2wwdTRBOHdTVUl2SmgyOTFzVzVFeGZJaW93STFHdkd1S2pjSTVNNkVCU3NINE1NaDl3SDdSdklxQVZTVWxKZGRMdjJ4WlNNRDJXMzJOSlI2aFlTcUdLaDFoeEJ2bjBOSEJmdFc1cUpROXhHNk52OW95c09ISDdGX014UEgwTEhkU0lXTmQ3NmtUTFRLQUZ5VGRQdGtSWU9heEZzcF9GOVdYN3d0Rzg3NE9yOUdCRFd6akZUcXhkTjlrZ2NhT3Zpb210Zw?oc=5) · Law and Crime News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8892 (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 "8892", 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