# BLOOMSDALE BANK
BLOOMSDALE, MO · FDIC certificate 9788 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $390.2M | |
| Deposits | $356.8M | |
| Loans and leases | $279.5M | |
| Total equity | $32.0M | |
| Loans / deposits | 77.53% (p40 of band) | 82.04% |
| Liquid assets / assets | 26.93% (p56 of band) | |
| Uninsured deposits / deposits | 36.60% (p82 of band) | 25.97% |
| Brokered deposits | 0.25% | |
| Wholesale funding | 0.25% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.94% (p12 of band) | 10.81% |
| Unrealized securities loss / equity | -10.92% (p41 of band) | -8.10% |
| AOCI / equity | -1.27% (p17 of band) | |
| ROA (annualized) | 2.39% (p93 of band) | 1.28% |
| Net interest margin | 4.18% (p66 of band) | 3.91% |
| Efficiency ratio | 44.92% (p10 of band) | |
| Noncurrent loans | 0.30% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 328.07% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 116.72% (p92 of band) | |
| Auto loans | $2.7M (0.95% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2018-06 | 2 | capital falling | charge-offs p90 |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 | construction >100% equity | capital falling |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 | construction >100% equity | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2023-04-04 [Bloomsdale Bank to build branch in Festus - myleaderpaper.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxOdGo5aVAyYVA4cTN5M1dlV0FZdGJYSW5ITmRscnVETExQV2VmT05FdHAybEN6Z2dOcHlQMWR2VmFaMEVHbzY2dGw4YmtOc1NBVWFGbGZlR0cyZ2FqekV0NGxOVk9rOHlNZjduT0NiNEN1ekwxZldkams0ZUc2NWJ0SVlWaGJteHBMWjlyZm1kV3dteGowU01LODN2a2txUXNEQktqODB1MURWQmdQdFNaYllWOUFVdXhrM2NXblM5bDEyNVZ5LUE?oc=5) · myleaderpaper.com
- 2019-01-09 [Fiserv Welcomes A Trio of New Bank Partners - Finovate](https://news.google.com/rss/articles/CBMic0FVX3lxTE5NbW1IaV83Mm9vME1yZjNEY1VZakRyWDRhMFF3aFEzSXNxVXVZU3BfUTZHa3BROUlMd2JYUnZKd3FqTmhMckZSR2tQczZ2ekt1UEVPM2lQYlpFLVNzbVlrRFVVcXpMRzQ2dXZHeU1lN1VSTFU?oc=5) · Finovate
- 2025-05-27 [Bloomsdale Bank grows along with region’s population - myleaderpaper.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPRDluV3JVTU5CbGJrakhHazVXZmJma05yeXBrdGFFQW9fTW9jN3kyakJMZDdMeHJIQ19FMTl3Y09kcmU2M1h2bUxwbEYzWGVEbHNRSnZjWlBLY0VodXQ4NkxqN2xGaElkWjFlWjc5cDIwOG82UVluUXNEUHhiYTEwc2NsR3l2elZ4WnpHNWx5ZU5ZZ1NTLWhzSjV0TGVqczVURUFPUElEeGxNa1IyRVV5SjVGZ2Z4ekRFbWRVZVd3NXU5YUYzWkVxMTVPMG44cGFRa2dGcnBoQ2xaeW5ZSFZEVFIyemhaZHNYX3pHSl8zX3JBVDA?oc=5) · myleaderpaper.com
- 2024-04-11 [Richard “Rick” Lee Donovan - Ste. Genevieve Herald](https://news.google.com/rss/articles/CBMie0FVX3lxTE9uckdHRzFqSTI5X3Y0WU1WMmhUWWVWcGJLdXNzYl95eWNiYjFLRVBzZmo0bG01Z1JzVTBhYUJCV1JHVGF6ZkZ6M2dMaC0wZ1NDRUlqZFY3WFJNUHBPRFNCQ2pueEIyLTR5ZWhFcnprSVhraDA1ZmxiTkk0bw?oc=5) · Ste. Genevieve Herald
- 2023-07-05 [Bloomsdale Bank adding third branch in county - myleaderpaper.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPRlh1am9lNE5RWnZNUWNRNDVrM3FUN2hZT1J0ZG51UUVGWVM1VlEya3ZKT2w0MXo2UTZJaHU1OVVuMmlOaHBnQzJhd0xBcmRwZHFXSVVCSHVnQUIyNUM0Q1Z5cUJVMHNyZWhRbzlKZHVqRFNNYUxtNEdGX2pvNElaYXMzS3Y5RDFiaHlkWThYRUROcHR3Ymx2VFlUQTVkX2g0S216UEQ0ZGxTUm9HUGRzc09qeUxfbnMzUEZfSllvRG56UWJ1TDZqZW9Nd0JmalhhSG1lbmtyMFRwWVlKbTNSTUtycGN4dzY4NEE?oc=5) · myleaderpaper.com
- 2021-09-28 [Bank donates to effort to build new ‘Hickey’ White Park - myleaderpaper.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPUGtQVVhyNEk0VzQydERadWNaRFdvaUZFdUhuSERGQTd5STlBd0dwUGV3Zkx1REJJUmxfRW8ySkl5cVJidHlzMHBPa1F4UGtaVmdQYnJfRHdkN1JVM0U4UTNOUG5TZmd6U196eUtkSlNmMll2THhnbUlxYTY3VWt3QzRTNlpRMW1LMXRSYTBWR0lackJpdm00MTI2c0ZtM3E3czE0OHNjQXFPbS1SUkJpMUI1OEp6VFBWeXEtTHl6bXNKcjlid1lidThIb3k5MTZXcUVaQQ?oc=5) · myleaderpaper.com
- 2025-04-05 [Woman sues Habitat for Humanity over house ownership - myleaderpaper.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOeHZPcGlYanFJTFF1RlB4d2dGN1RwR2YtT3h1UXlJY1h6dl9OTTk5aC1MNF9tR3puQ0hkZXpETzlWNlNNS1VGdGlUZm9rZjZEYzFSaDl6OV9wWk9qX2lsOVRoRW9vbmhVOXVOODFxc2FQR3ZPZWdTYlFJZEJBemJPQTdRbGtYbWJMM1NfTWFTdmVqdEY5Qm1ZODROYlNMTDA0b1hMRWNheWJBT3R0TEVlWTJwUDlTUmQ1SDEwOHpNMjZUZ0J1ZFJfclF0VQ?oc=5) · myleaderpaper.com
- 2023-04-11 [Litton takes over as executive director of EDC - myleaderpaper.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxON2hkVy0xYkE1aVNSQ1JUNHdITW9xWmpQcUtpV2x1WXkyNkxfLTBLLWFHWE52SXRfYkM5TUlPLV9WdmZnZGx5Wm8zTWpBdDdLVlZyM3c2dW5nTEc4aWtUaC1xUkhGYkRWTXBBQTBuY1pYb0JtNktpOVNtUWxabGJsVkRGRDUtbW5abU9ESThxUzQzZzNXWkU3c0o2T3pHcWtzOTM5MTJrc2xhLVBGYVdMUnhLdmF5b2x0R1VXWmhTazdpTDRYYkdTMU05Wk8tWHZyN1ZjRS1qS3A3TU9udDVadzhscw?oc=5) · myleaderpaper.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9788 (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/60.json (key "9788", 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