# BANK OF FAIRPORT
MAYSVILLE, MO · FDIC certificate 9377 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $17.8M | |
| Deposits | $16.6M | |
| Loans and leases | $8.6M | |
| Total equity | $1.2M | |
| Loans / deposits | 50.24% (p15 of band) | 76.50% |
| Liquid assets / assets | 49.00% (p81 of band) | |
| Uninsured deposits / deposits | 6.95% (p13 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.82% (p1 of band) | 11.35% |
| Unrealized securities loss / equity | -4.88% (p6 of band) | -0.33% |
| AOCI / equity | 3.25% (p85 of band) | |
| ROA (annualized) | -0.95% (p2 of band) | 0.99% |
| Net interest margin | 4.00% (p63 of band) | 3.80% |
| Efficiency ratio | 123.20% (p98 of band) | |
| Noncurrent loans | 0.07% (p23 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 3800.00% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 18.99% (p54 of band) | |
| Auto loans | $319,000 (3.71% of loans; DQ 12.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.7% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 7 | leverage <7%, capital falling, losing money, expense ratio p90, charge-offs p90 |  |
| 2012-06 | 3 |  | noncurrent p90, leverage <7%, capital falling, expense ratio p90 |
| 2012-09 | 1 |  | reserve under noncurrent, losing money |
| 2012-12 | 4 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 3 | leverage <7%, capital falling | charge-offs p90, losing money, noncurrent p90 |
| 2013-06 | 3 | AOCI drag >20% of equity, noncurrent p90 | leverage <7%, capital falling |
| 2013-09 | 4 | securities losses >30% of equity |  |
| 2013-12 | 6 | leverage <7%, losing money |  |
| 2014-03 | 7 | capital falling, expense ratio p90 | AOCI drag >20% of equity |
| 2014-06 | 5 | charge-offs p90 | securities losses >30% of equity, losing money, capital falling |
| 2014-09 | 4 |  | expense ratio p90 |
| 2014-12 | 3 |  | charge-offs p90 |
| 2015-03 | 5 | deposits shrinking, assets shrinking |  |
| 2015-06 | 7 | losing money, expense ratio p90, uninsured deposits leaving | leverage <7% |
| 2015-09 | 4 |  | reserve under noncurrent, noncurrent p90, losing money |
| 2015-12 | 5 | losing money |  |
| 2016-03 | 4 |  | uninsured deposits leaving |
| 2016-06 | 5 | capital falling, noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2016-09 | 2 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2016-12 | 4 | leverage <7%, uninsured deposits leaving |  |
| 2017-03 | 4 | capital falling | uninsured deposits leaving |
| 2017-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7%, capital falling |
| 2017-09 | 7 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 6 |  | uninsured deposits leaving |
| 2018-03 | 8 | capital falling, noncurrent p90, uninsured deposits leaving | charge-offs p90 |
| 2018-06 | 2 |  | losing money, deposits shrinking, assets shrinking, reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2018-09 | 3 | deposits shrinking, assets shrinking | capital falling |
| 2018-12 | 2 | losing money | deposits shrinking, assets shrinking |
| 2019-03 | 6 | leverage <7%, capital falling, deposits shrinking, assets shrinking |  |

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

- 2022-10-21 [BTC Bank acquires Merchants and Farmers Bank; Community Bank of Marshall picks up The Corder Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPa2J0NDBWOVFfU0F1ZXZHMEtFbE9MVXJscVhSTy04RFl0VGlELXNZRURkUlhnMjRrRFZrZjh3Q2oxbElDNEt1alduRDlKOWpuR0c2aFl4UFB4OU5kX1pVRjJHY2QxNGlvMGEtLTVaaThjNG1nQ0t3ZHczamU5VDZrWWFxbnVCeTBRR3Raa3FlRHpTSE0tc0FUMURZZnVnMnBORXlfUkdn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9377 (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/33.json (key "9377", 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