# BANK OF GRANDIN
GRANDIN, MO · FDIC certificate 9392 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $241.0M | |
| Deposits | $205.1M | |
| Loans and leases | $163.7M | |
| Total equity | $34.4M | |
| Loans / deposits | 79.07% (p61 of band) | 73.59% |
| Liquid assets / assets | 29.74% (p43 of band) | |
| Uninsured deposits / deposits | 37.76% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.66% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -4.07% (p60 of band) | -6.57% |
| AOCI / equity | 0.04% (p87 of band) | |
| ROA (annualized) | 1.79% (p79 of band) | 1.17% |
| Net interest margin | 3.94% (p51 of band) | 3.93% |
| Efficiency ratio | 51.51% (p16 of band) | |
| Noncurrent loans | 2.88% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p86 of band) | |
| Reserve coverage of noncurrent | 33.01% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 9.19% (p37 of band) | |
| Auto loans | $12.3M (7.50% of loans; DQ 7.49%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 3 | deposits shrinking |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | charge-offs p90 | deposits shrinking |
| 2016-03 | 3 | capital falling | charge-offs p90 |
| 2016-06 | 3 | charge-offs p90 | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 |  | noncurrent p90 |
| 2017-09 | 3 | noncurrent p90 |  |
| 2017-12 | 2 |  | noncurrent p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | noncurrent p90 | charge-offs p90 |
| 2020-06 | 2 |  | noncurrent p90 |
| 2020-09 | 3 | noncurrent p90 |  |
| 2020-12 | 2 | charge-offs p90 | capital falling, noncurrent p90 |
| 2021-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2021-06 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 2 | reserve under noncurrent |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | securities losses >30% of equity | reserve under noncurrent |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 2 | reserve under noncurrent |  |
| 2023-06 | 2 | capital falling | reserve under noncurrent |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | charge-offs p90, capital falling |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 2 |  | charge-offs p90 |

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

- 2015-07-30 [Bank of Grandin honors long-time leader with donation to Three Rivers College - KFVS12](https://news.google.com/rss/articles/CBMitwFBVV95cUxOT0dDMWROd3RFUHl0ckZjSlloaUtSRTRMZzRJdUpHcEJVNExwSWI3VTI1UE53b1FSdUIxdUc3bTVKY1lFTVk1ek14R3BZdVM0OHZUOWROZWpIOTZxeDFEX0NVbHdVbjVWUnFmb1RwRnJ5VS1aWDZZeTdSNWo2V2NvMGJ2OW5mUFkyRndLTHRUV3ZKaVRSdWtuQTJMZHJKQnhBemhzVXhsZG9QZnAtVzFRUjhMdXFJNFHSAcoBQVVfeXFMT0hXX29xd2FuMEpzNE9HNG1mVzI4LWdHQXdmZU1iSGtQRWV6V0FCMk0ydTJkRWpsUUVIcm16ZGswOGVBVkxuSERFMmQyR2JSclVBenIyTndQMDNWdHRKdDZnbS1wRnk3NFljaHRNNWQ0NWhmSnRKMWV5OVpfUmJYVmxoenZPaXBHc2t5SGJUZGxJek52YlBFM3dEdVZQT3JTcXlJeWR3aFV3cjFaMW9zdDFtRmduSHBDOXh4TXZCSm15UEVXUC1sWkJwUQ?oc=5) · KFVS12
- 1973-01-21 [Three Missouri Men Are Charged With Murder in Bank Extortion Slayings (Published 1973) - The New York Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdVRNTVhPRGFYRjNWSzlzN0k1V3loRjhOdTdmVnlMckpkYTZCUWEtbGRPWGRNSjZhVW9IbUZZY2lUbWJ1R3BqeE1rVVR0dS13Z1hYN2pIQmdqU2V1eWVmb0xTZnVQcUJka1lRMVZxSFJvRmlxVDdjNjRISTFzUWdrUFZlNm9nWksyQy1tWDNTREZOVzllMVd6TTg0STB2TnV5NjdxaWY3aG9rbkhCaFE?oc=5) · The New York Times
- 2023-12-27 [Lloyd Cowain, Dallas Ray Delay, and Jerry Rector Robbed Bank of Grandin near Van Buren, Mo. - Newspapers.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNR053R1d6dmg4NnlzcVY2LTlxc2VpMFUzQ1A3WllzTDFqcjZ4WTBPNEpMOEZYMDAzNzA5VlN2R2xXb2JCUFdwS24wRFVBWkJSeXhLMmtFek5kcTFWS2ZRTDlaOE5zeEhReGJNNU9ZYjlpeFVvM2lNVFFkV3U0SldzUWhWU1ZXQXdRaGtqcQ?oc=5) · Newspapers.com
- 2017-03-04 [It’s All in the Past: Missouri and Ozarks History: The Notorious Perkins Gang - Part 1 - Southwest Times Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxPRnBMaEFKSlBSalY1Y05kS250SXJJQXpncjBMTWl1N0lSWG5YMmE1NVVzMWE3Y0lZcGRaNU9lX05CNGwzT2E5SVZvd2VETDJlNWRfX04yU281LXgxbDNVcUFUWWpDZUVuLWFDOW9lSXMwdzY3Ykppc00wZVFQOHZIV1pXYUNoclhlbElVZl9BN21selo5V1NNYmlMUGNDSzJS?oc=5) · Southwest Times Record
- 2023-09-25 [‘Show-Me’ Trio Buys Stone Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiekFVX3lxTFBsRmt4cVNXcEVFU3o2Szh1Tlo4MDhWaWhUckZRNFVkZHVWMWdJU3FvVWxId1NETzZWdFlNS3BXc0Ftb3hURl92aVJaYTY1OTI5LXRtWDBDRVdUbnZUSGhlNXBEU1puZUtVWWR1WVo4aVYtTmVWX01NU3pB?oc=5) · Arkansas Business
- 2024-06-24 [Google Wallet adds 29 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUXFEN3FDNEFLMzZDNnNxazI3c05PWVl3MVpkb3ZQMEZ6SUdMTnZVWkpTcWJ2N0ZYNXk4SlRDaFFQUGVNMXY4TF9kUy1qMjB6bmtteXVKMmNSWWctczNlUDZxUFE1Szd6M1RRd2JWVnpGMUZIa2hvWm9LeUkwUGtkUXdlMkRqdkJSWUE?oc=5) · androidpolice.com
- 2017-03-07 [The Notorious Perkins Gang: Part 2 - Laclede County Record](https://news.google.com/rss/articles/CBMiggFBVV95cUxNc3AwelhQRGpWdEtncmJHOWl5TUZKOFpaT1RxWDU0YWdUYjZ4bHE2NVBkZUM1RElXVWxIUktuejJGZVZGdU5iaGVhUXNGTkUtUEhmUU9RRS1yVEdfbVc1R09Gc0tuM0FQenBwQlVmbHVhcEh6OGtEU2VmbHhrZE9adk9B?oc=5) · Laclede County Record
- 1973-01-18 [Banker, His Wife and Daughter Slain After Missouri Extortion (Published 1973) - The New York Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxNNC01Q0NrV1g2Z0hMd1F4TndfVzlFTmhaLTZyVGhBNFBSaC1VWEZKT0cxWUQ1akpKTUdaV2x1NGZXSkZIOXZmN24wNjJlOG8zR3Bld0xJOHJoTlJnTGM1UlRvaW5LYXI0OFZCM3BIQ0VEaU5KZ3E5ZklWSVNrc0xTU1JvdV81bV9JSkZwZ2NTYWdvdU82Y0M0UWozWFp6SjhaeXRHY2VZYVZ4cFJmdU9nSVE4a0M?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9392 (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/48.json (key "9392", 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