# NODAWAY VALLEY BANK
MARYVILLE, MO · FDIC certificate 8904 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $1.62B | |
| Deposits | $1.40B | |
| Loans and leases | $1.04B | |
| Total equity | $149.2M | |
| Loans / deposits | 73.28% (p21 of band) | 87.10% |
| Liquid assets / assets | 31.95% (p79 of band) | |
| Uninsured deposits / deposits | 21.23% (p20 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.50% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.56% (p71 of band) | 10.50% |
| Unrealized securities loss / equity | -40.63% (p4 of band) | -7.75% |
| AOCI / equity | -1.42% (p10 of band) | |
| ROA (annualized) | 2.23% (p93 of band) | 1.26% |
| Net interest margin | 4.24% (p79 of band) | 3.70% |
| Efficiency ratio | 52.87% (p32 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | -0.03% (p3 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 58.22% (p61 of band) | |
| Auto loans | $7.1M (0.68% of loans; DQ 0.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 170 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 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 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | uninsured deposits leaving |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | AOCI drag >20% of equity, construction >100% equity | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  | AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2020-04-29 [Nodaway Valley Bank opens Platte City location - The Platte County Citizen](https://news.google.com/rss/articles/CBMisAFBVV95cUxOVlVtanpZejd6UGRGbFBZOUt4TWZBNE4wZm8xVUVVX29MdjY3Tmc4YTJlRWtncDhkUDY5ajQ2aVRrVGFiekVMaE1ZZGh1VlY1VU9Ya3AyQ2R6bk9JcmlEVlpyRUNfbUo1MWp3X2ZTTmtnaTNMZmk4dHFtS3c3T3FpYWJ2Z0JYME5JZnFEblA3cVZqSEpOdDhHYWd4NjE3ZllFbC1KVmpQeV9GbjYtbVRxVA?oc=5) · The Platte County Citizen
- 2026-03-23 [Here are Kansas City’s top five strongest midsize banks of 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZEtfNm92QU5fRW5xZGZpQ1VxeXN0WDZMY2w1Y0ZBb1pXQVpIS2RDX3I0WGJraG9FeGh3OHdCbG5qT1cwMFRkWjV1amtycEdkd1hOSlVwbUtWR0xZdGpma0JhQW1TakN6aURzWUZ2SkxlV1l2QWs4Sk9uNEVVZlFxZDlnbzZ3MTRWa0w1N3l6aTZxa1VoZFdFY2RuUnVsak5KclZtZFBtX3NFTDR1U1E?oc=5) · The Business Journals
- 2024-08-26 [Nodaway Valley Bank tops Forbes Best-in-State Banks list for 2nd year - maryvilleforum.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQbUpHSklpTXJXcEdON1poZVl0aHctSW96eFpmNnNHOVJWbnFRbWkteDJ6aXdTam1feDEyY0VvazV3QzRJZVhDQ2F2UnQxU1RHRTNGMWRuUzZRUG9tVndPN1hUeEdJVDI5b09Cekp5ejNYTnplVW1NMGFwRTdsZDMwc0E0TjhVSXoxaHZnaF9KelVEWmNJUkJhN2tRbVRRM3lwQTFxemRCckRWSHlhMXJpYV9fbFJBaXpmNVFLNFE1Uk84ek5laVdIQTZtVkNYdWNjU3FnTmxCYW9oZXBfUnNEb1hXTGkwMDVpSWhJ?oc=5) · maryvilleforum.com
- 2021-02-22 [The Nodaway Valley Bank (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUkZWTVJfUEZlcnNyRWxqRkRwUjBCSzZjaVZzUGllWUhXZnppUEpCZkVJTXhfdVJ1YjZQUE9waWMyaENrTGpKbEhmTDBsOVlmbGdqa3QxbTEyVjZpd3dLTm1UNEZJUVRQbmYwNUQtYzRMTDl2cTc1dXlQX0JmbWFCb1NYaHo5anJEc05N?oc=5) · SmartAsset
- 2025-08-29 [Forbes report ranks Mid-Missouri Bank as No. 1 in Missouri - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaktqSU1GaDRCMXNhQkY2R2pLbk1mbUdEaXRlZkRWY09FTjZnQWhHUzUtZ0V5OGNfTHI5Y1pXdHEyZml5LXJFNFg3RE50SU1CcE5KMjdna0tSSGFxY210WVF6VEZYd1p4Y3ZubktYOTU4VFB6OGRBVVc5cEFkNGVpVnVyY1JaRnFqZXNDSWloVU40QQ?oc=5) · Springfield Business Journal
- 2026-05-15 [Deeds of trust for May 15 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxNc0EtSkdzcGFPcmI5NzBnb1RHTkJOTS1MMnBibGRicFRvUzFGZTdkMFNLUDNFR1JmRWN2S0h2MmNMa0kxckpWVndfM2tEamZnelNNdW5lZmVVZ3N0akgxZzFWY3EwUHJwdFBXSUFNOUh5Z0lHNXVQR3FvUGxJcF96d0xyc05FMWN3eldFQUsxQlBkd0lpZlVIa2RiVXo4TEEwVEJ0S2dpUUJteWR4cWRseG9xVEx6M1ZxSEk4TkFOTFRzN2U4aHc?oc=5) · News-Press NOW
- 2024-07-10 [Robinson honored posthumously by Missouri Bankers Association - maryvilleforum.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOTXVDVWpyOEFGTGFyWk50WnhmSlMza1NjODI4WG42XzhCNDlYS1NfV3F3bE10amJneDVIeXgydG44Wk5QQlRzZHd0eElHMnJ3Y1JDajhTRE1WSHdOanZJdy1HaXNjY1JYSmhTVFhrNTg2NkN2NTVoRFRZUzVKMkJvT2xlb0FsYVJ3TTZRRmVKaXp0cjZhNXdLSW5NYnRFYTdWbzFrdUpMQWZ3eklmbWRDa3JZSi0tUjN2cENyemdwZGphTkhQOU5MYXZIYkpldElJajRuWUViMGprdzljZTktSlVtNlhtZw?oc=5) · maryvilleforum.com
- 2021-01-04 [Nodaway Valley Bank opens Smithville facility - maryvilleforum.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOdEFGM19yWjJkcTh0b0otVm0xVlU4ejZlN2NKcnc5MVlGWnJsb2d0UVBJN1dtcHM0NUNvTWI4TDJyXzY5djBHdkhDc3V3TDlaaWllTGtrbFctc3I5V1BraXRyTFNWNnZabGJqQkR2TTlJSWFOV0R6M0tUOGxXaXJsajBDNHhUM1BuOVdEVzhDMkNacG93TTdXSTdjeXVia21PNEVXVjNKNnE3SVVEOHNaWTRpZ1pvNWpkWk5OMmpyQl9CdkZYOTNzUk5qUUx1RUdy?oc=5) · maryvilleforum.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8904 (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/8.json (key "8904", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide