# BANK OF ADVANCE
ADVANCE, MO · FDIC certificate 9369 · asset band $300M-1B · 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 | $509.9M | |
| Deposits | $438.7M | |
| Loans and leases | $408.0M | |
| Total equity | $66.9M | |
| Loans / deposits | 91.59% (p74 of band) | 82.04% |
| Liquid assets / assets | 16.65% (p21 of band) | |
| Uninsured deposits / deposits | 25.36% (p47 of band) | 25.97% |
| Brokered deposits | 0.55% | |
| Wholesale funding | 1.04% (p34 of band) | |
| FHLB advances / assets | 0.49% | |
| Tier 1 leverage | 13.01% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -1.12% (p85 of band) | -8.10% |
| AOCI / equity | -0.58% (p37 of band) | |
| ROA (annualized) | 2.42% (p94 of band) | 1.28% |
| Net interest margin | 4.87% (p91 of band) | 3.91% |
| Efficiency ratio | 47.62% (p13 of band) | |
| Noncurrent loans | 0.75% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 201.99% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 45.73% (p52 of band) | |
| Auto loans | $19.6M (4.80% of loans; DQ 3.02%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 85 | |

## 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 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 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 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2025-02-09 [Steve Millington Obituary - Sikeston, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOOGtGc1hIWnR3TzhFVW9Dc0dPVHlXX19zMDBZaUFfLUtYa1YydmlrU1hvemdLcy1BQnNUUFdFWTVtWFEzcFUxS2Q0VmNYVkhmYVV4dzV1d202Yy1YQXJlLXJDSF9BNTJ6V3lSWG5LWGJwa0ZsLTlOVXFfWDdDc1oyYkVpclNaNDQ?oc=5) · Dignity Memorial
- 2026-08-25 [Dexter businesses welcome nearly 250 school staff at Bearcats Reunite - Dexter Statesman](https://news.google.com/rss/articles/CBMitgFBVV95cUxNQlVPWG9RYklQMGV1M3BxaUVuU3EwOGkxM3owOGVIVlRBMGhrR1FUdDk5ZFVIdHRfMzFjMENPRWgtcXZqMjJ1MTExNUh0Zm1SQndnY1R5VkxHRi1ZUEVpeWZLcTl5bGRONS1FbTVubDZtaFZSYmE4YVpFbFNBNkRUZWp2Uno4cjBRRFUxbjUwcThxVnd2c04xT0VUQWQyVnNBemFlQUhRalhhMzBxeXYzN2huQlllQQ?oc=5) · Dexter Statesman
- 2023-09-25 [Community of Chaffee shows support for injured firefighter - kbsi23.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQVJ4QjF4Z2pKd1E1ekVEem40a3BFeTlfdXFCNVVyRzRfMFBVc2FyWmwxUHV1enRRaFRKZG1FUFczOXVWdlNIVzBKeXRKN090VHJPQU1jTXFkQk03VFp2VXRqYnhJOG5pQmtrZl80TFlPcFByTlBoQ2wzdlJycHZuMVctSER1WjhZTUFTM2ZTbms0QjBFY2c?oc=5) · kbsi23.com
- 2026-05-20 [Foreclosure scams: How to protect your home and wallet - WFTV](https://news.google.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?oc=5) · WFTV
- 2026-04-13 [Mary Gardner Obituary (2026) - Dudley, MO - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxQbzlKZ2p1cEtIODJWV1ZBa3FfOHIySG1sci1FanBGYjU5cVZVcG5OX09MOGhEZ3h6OWszNk5hbXNIc1o0Um9DLTczUFJxcFV6MjRFYWJuU0tjTmJLM1F4aFRLNDNtOXRLRTg5cjRpdzltS1NxSklWcW9oV0c0clVLVw?oc=5) · Legacy obituary
- 2010-06-24 [Aaron Masters - seMissourian](https://news.google.com/rss/articles/CBMibkFVX3lxTFAxdU9BTUtyOURjQUhoWHh0cFlrM1VOOVhtQzJKS1hGX2lIY285Z09qVl9QOWhvckdhRHB5aG1TYXhPNjhkQ2hxd3JyMC02TzltNV9BclFjakhsdjVLT0d1VWY5al9CSW90WGFCcDN3?oc=5) · seMissourian
- 2026-04-02 [Wappapello Lake Corps of Engineers presents certificates to community partners - Daily American Republic](https://news.google.com/rss/articles/CBMimwFBVV95cUxPZjZHcnNnSl9DbHBwNnBfWUVZeW53UzFwTU11bURpa1Y1OEdLR21ob01wdWxGMldFN3JDdXB1WENBOFljT3o4RnFZV3dZNEJEaTBPVU9pX0pfOERLb3VpVkxSVU9qN25Hdm5MWG1XM2hsRFYzZnlQdl9WZk9ma05STHV1OVNsRUZMUDBDLUYwUW9WT2o4NzVvNlBWSQ?oc=5) · Daily American Republic
- 2018-06-09 [Band Leader Gets 12 Years In Missouri Bank Robberies (Published 1964) - The New York Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdzBzSjJfYWhVMDIzd2tGMWdTYnFpWTZRbV9HNlI0cUxaS3JJSFROTnFMbkRIQnhLZmpITWwwbVJ6WUZ1RzNNeE44YWt5eU9YanRZSnpEZ08zXzc0SlYzVmN2bW9odG04LVhxY01sZGhZQ2dJNDY3bkFXbUlHOUloUWhWNzVNaTY3T21ubHlvcHpPeDF0TkxUVmo1VjEyenFmS0Qw?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9369 (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/25.json (key "9369", 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