# F&C BANK
HOLDEN, MO · FDIC certificate 9378 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $481.0M | |
| Deposits | $420.7M | |
| Loans and leases | $433.2M | |
| Total equity | $52.4M | |
| Loans / deposits | 101.74% (p91 of band) | 82.04% |
| Liquid assets / assets | 5.94% (p1 of band) | |
| Uninsured deposits / deposits | 10.54% (p5 of band) | 25.97% |
| Brokered deposits | 2.44% | |
| Wholesale funding | 3.48% (p50 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 11.01% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -0.21% (p93 of band) | -8.10% |
| AOCI / equity | -0.16% (p62 of band) | |
| ROA (annualized) | 2.34% (p93 of band) | 1.28% |
| Net interest margin | 5.51% (p98 of band) | 3.91% |
| Efficiency ratio | 44.56% (p10 of band) | |
| Noncurrent loans | 0.38% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 314.02% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 112.30% (p90 of band) | |
| Auto loans | $2.8M (0.64% of loans; DQ 1.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2011-09 | 1 |  | reserve under noncurrent, loans exceed deposits, wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 4 | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 1 |  | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | loans exceed deposits |  |
| 2013-09 | 1 |  | loans exceed deposits |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 2 | capital falling, uninsured deposits leaving | liquid assets <10%, loans exceed deposits |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | liquid assets <10%, capital falling |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 2 |  | liquid assets <10% |
| 2018-06 | 1 | liquid assets <10% | brokered >10%, wholesale funding >15% |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits |  |
| 2019-09 | 3 | uninsured deposits leaving |  |
| 2019-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2020-03 | 0 |  | liquid assets <10%, loans exceed deposits, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | uninsured deposits leaving |  |
| 2024-06 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | loans exceed deposits |
| 2025-03 | 2 | liquid assets <10% | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 | loans exceed deposits | capital falling |

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

- 2019-06-14 [Local bank warning of secret shopper scam sending people fake cashier’s checks - FOX4KC.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYTdWOGNUTVZfcHlXUGozV2pZYjh0azdnOVAwT045N0RKcUlCTEJScTRQMTVnR01Tb1czSm04aU5fbDBWRkowOGUwcy0ybGRSay0tMWRucHVTVFJud1ozeGFERFlsOE81djlHTmV0NndpejhtTHRrLU8yT1dTazR4b3FBaWFOUnNQSWVpQ2U0cUxGd1piTUYwTkZTSXNtMkIxVHNXcNIBqgFBVV95cUxOSXQzUFdWQkZ4c2dKTDd0V2g2aDV4aS1fNTJZVFJsblQ2T2FkMnlRU3FfMWNmam1SM29DdzNtbUpXOEVsQ3lGTGY3cjJLOUM4cTZMYTFzSGQzbU1BMUF1RzBINVh5ckF4RWVqREJGTEM4Uk93M3Y1SS0zRFFkN0xjZVYtOUtkWDZxTWdNQnlST1dqS3EybFhrajVTQWNQSFlWVFhwWHJBQmp6Zw?oc=5) · FOX4KC.com
- 2009-07-10 [UPDATE: Bank robbery suspects charged - KRCG](https://news.google.com/rss/articles/CBMidEFVX3lxTE02TUt6STg4RF9fU0hncXVwOHExRV9fV1VYTlc4RmRlcW00c0oxTFM1Q2cwZUZ0QmRtaXBpTEtsQ3FvLXh3bWhEOUhMTkk0VDI0TEdCdUNqTExnRG40M1RkTWNYS18wejRZazNYd0U5VU54c2lO?oc=5) · KRCG
- 2018-09-28 [Fletcher Reeves Obituary Sep 28, 2018 - stanleyedenburn.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBKZXg5YjNjYk5JaktydGxFd3JMekV5b1Z6bUxELXFZQ0huVUl4Q3lOb1laRFJETmZyRkJfOEZFcE8yOUtjU2JWdndEM0x0TmhrMjNieWJRRUZfMkJaMTVjNldvNkE4TlM3SkE?oc=5) · stanleyedenburn.com
- 2022-08-30 [Family still trying to heal after being hit by car while aboard buggy - KCTV](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTHpFbC10N1AwNU9QVmdDaS1nWFFyZmM4Unl0UHotY2FHNXJEZ3ROVWlqdVkyYnFqQ2FEMl9YczFGdDQtVlNVS3NPWWdwNF9zVFYyR0t0QWNlXy01d2lZZldTcXVNX25ibjZ2Y2pTQVNjNVhGVE1RZjRPX3drRTM1ZnhkX1M4ZWdsd3JaZnc2clJVQm1Dc0h2eFpDZ0dtR0R3MFHSAbYBQVVfeXFMUHBLZ3FDckxNSnRmT0ZoYVJQd2JkLUZDaXhjV0V4NTlQVGgxeUcwZnBPeEYwdWFUT0o2dlkwcW0yWXNBT0pvUUhQcXZMZlY4amE0Tm5McDRhYkNBNWpxQVpidkZVXzVab19BT2R6dWpWMU9wQlhwbkJOY25sMXh6WUxvaHJQMmg5MDZfRndHeHUtaUFrbFp5N1p5a1J1LTFvRl84YWM1LVBycU11ZzViM3ZIQlpIMlE?oc=5) · KCTV
- 2010-02-09 [Teen admits to robberies role - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUFhaams3SmhWcHdSRXpqcUNqRFBxNEc1a0luNGl6enplUXNPVTlYTEVyY0V4YkN5cExqdW9pM08tcjBYR0ZzVm1YLWE1V3Q0cXh5QnptdlF4dExzV2kyUzJ0M000X3EyQ01mZ1dMNVhvZXRGVEdpMXhBUy16LXJGZWZsRERHeDdlbEhXZE5ZSktKSWtRYVZFNUpVM1ZxbG5EVUxSaQ?oc=5) · Columbia Daily Tribune
- 2014-07-16 [Johnson County Fair Meat Animal Sale Results - KMZU.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNSTJnTXE5VDFPUzc3WklTLVAzMWxFaFFGd2lpcGdydk5QQWppMVA2cVp5ZUlaVnNYWUR6Qy0xV1pfZGZpZERFZzBfaDJiYVZmWnJ6RXI0ajF2NXpqY2ZDRkdZazJSc2lYWWhnUE83eTBvS3lzbFFmR1ZJNXRWc2FZWVRLRmpoRmtpTHpoQXpjSms4Z1k5TjIwQmU1MTdmZm8wWWt3dmt3QXc4YlluY1FRZThrRXdCOVczLTZsTzJMVk9tRjE4?oc=5) · KMZU.com
- 2010-12-18 [ALEXANDER GALLAGHER Obituary (2010) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTHZudlhWUjdIN3h5eDJHVEVtaHhJTnpWVnExZF95RzJJU0hpcVdJa25RZVVFOUZjOHJYZnpKTHo0TmdkTVFFRWZEUExFOXVkbnV2ejNDNmJxYWQtYm55SFFreEVWOHhnNFptZ0t4MnplTlB5aGFkY1dxc28xcEFsN0VVckRjRmFjUzBmb1NIdWNDU1hhNmFn?oc=5) · legacy.com
- 2009-07-12 [Holdup series strikes deep in rural areas - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMipAFBVV95cUxPS09XaHBRRHVGZktGTktFVm5feWtZdDF4akdfWGxMeExoM3IyaDRNM05MSk5SZDZueEVPdWVsQkdQWTFIWC1DWTJ2S2ZJWnBCdzNYOGFuTUpHWU1DVXVydTlsNGFtbUZjUjNUOGlZSllvMDRYQm5VckNRMTVyTDZjRmhHbDBEWi1XZlNIaVlCcWxCODNENW00aWVzZmJqUTFDakp3ZA?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9378 (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/34.json (key "9378", 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