# MISSOURI B&T CO OF KS CITY
KANSAS CITY, MO · FDIC certificate 9387 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $749.5M | |
| Deposits | $623.8M | |
| Loans and leases | $484.8M | |
| Total equity | $124.6M | |
| Loans / deposits | 77.72% (p37 of band) | 83.90% |
| Liquid assets / assets | 24.01% (p50 of band) | |
| Uninsured deposits / deposits | 47.78% (p96 of band) | 21.07% |
| Brokered deposits | 1.23% | |
| Wholesale funding | 1.23% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.02% (p4 of band) | 10.15% |
| Unrealized securities loss / equity | -0.03% (p75 of band) | -0.98% |
| AOCI / equity | -0.02% (p84 of band) | |
| ROA (annualized) | 0.02% (p2 of band) | 0.94% |
| Net interest margin | 0.29% (p0 of band) | 3.62% |
| Efficiency ratio | 89.19% (p95 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 57% | |
| Construction % of loans | 20.19% (p28 of band) | |
| Auto loans | $614,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | leverage <7%, capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 5 | charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 2 |  | leverage <7%, charge-offs p90, uninsured deposits leaving |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | leverage <7% |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | leverage <7% |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | expense ratio p90, NIM <2.5% |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9387 (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/43.json (key "9387", 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