# M1 BANK
CLAYTON, MO · FDIC certificate 9797 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**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 | $1.20B | |
| Deposits | $1.07B | |
| Loans and leases | $932.1M | |
| Total equity | $116.6M | |
| Loans / deposits | 85.88% (p49 of band) | 86.41% |
| Liquid assets / assets | 14.93% (p22 of band) | |
| Uninsured deposits / deposits | 18.70% (p14 of band) | 31.00% |
| Brokered deposits | 30.99% | |
| Wholesale funding | 30.99% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.93% (p39 of band) | 10.37% |
| Unrealized securities loss / equity | -3.88% (p67 of band) | -7.29% |
| AOCI / equity | 1.04% (p23 of band) | |
| ROA (annualized) | 1.63% (p79 of band) | 1.12% |
| Net interest margin | 3.79% (p65 of band) | 3.59% |
| Efficiency ratio | 42.31% (p8 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.50% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 18% | |
| Construction % of loans | 119.70% (p93 of band) | |
| Auto loans | $17,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | leverage <7%, charge-offs p90 |
| 2011-12 | 1 | losing money | reserve under noncurrent |
| 2012-03 | 6 | leverage <7%, capital falling, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2012-06 | 5 |  | capital falling |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | capital falling, charge-offs p90 | noncurrent p90 |
| 2013-03 | 6 |  |  |
| 2013-06 | 6 | deposits shrinking, assets shrinking | reserve under noncurrent, capital falling |
| 2013-09 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 7 |  | noncurrent p90 |
| 2014-03 | 7 |  |  |
| 2014-06 | 4 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2014-09 | 5 | expense ratio p90, uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 4 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2015-03 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 4 | charge-offs p90 | capital falling, noncurrent p90, reserve under noncurrent |
| 2015-09 | 5 | reserve under noncurrent |  |
| 2015-12 | 2 | NIM <2.5% | losing money, leverage <7%, expense ratio p90, charge-offs p90 |
| 2016-03 | 1 |  | NIM <2.5% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 4 | brokered >10%, wholesale funding >15%, NIM <2.5% |  |
| 2017-12 | 5 | capital falling |  |
| 2018-03 | 0 |  | reserve under noncurrent, brokered >10%, wholesale funding >15%, NIM <2.5%, capital falling |
| 2018-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 4 | construction >100% equity |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 2 |  | brokered >10%, wholesale funding >15% |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | brokered >10% |  |
| 2020-06 | 4 | wholesale funding >15%, capital falling |  |
| 2020-09 | 3 |  | wholesale funding >15% |
| 2020-12 | 1 |  | brokered >10%, capital falling |
| 2021-03 | 2 | brokered >10% |  |
| 2021-06 | 3 | wholesale funding >15% |  |
| 2021-09 | 2 |  | wholesale funding >15% |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | wholesale funding >15% |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | uninsured deposits leaving | capital falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 6 | liquid assets <10%, capital falling |  |
| 2024-03 | 3 |  | uninsured deposits leaving, liquid assets <10%, capital falling |
| 2024-06 | 4 | liquid assets <10% |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | liquid assets <10% |
| 2025-03 | 4 | uninsured deposits leaving |  |
| 2025-06 | 3 |  | uninsured deposits leaving |
| 2025-09 | 4 | liquid assets <10% |  |
| 2025-12 | 3 |  | liquid assets <10% |

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

- 2026-03-24 [The Bank of Missouri enters St. Louis market as M1 acquisition closes - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOR1Rob0kyZlAxY2R1Mzc4UXdTZmxGakFHSThtenF1THVweE9udXZ4XzNvdVhTcFBXMHY0TWhMV1BoX1BhQ1JKOXdUT004dldadURSWDdPWWx5a1BHTEt6UmtuX05HMUhlTGRRRHREWUpqTktiSzdOcTgtemdLa3hKd2x6Ym14emhTNjZ1cXk0TlM3RXFsc1d6NVNuejhDd2dXeHptZkRn?oc=5) · The Business Journals
- 2026-02-12 [Bank of Missouri’s parent company completes M1 Bank acquisition - Perryville Republic Monitor](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTUM5dmxFbF9vRjVFSTh1ZnlfUnNBbFpBMVprQlJFQkN3WWZYZ2xiUGhpbzlkZWxINWxkM3BCOWhKRjJSVUhWWU90cEtRZmJBWUYtc0g0dFBNQ3p1dGpvZjhvaWNlYXJjbnIydkEtV0F1cGFISTZCcm04NXBQbG5ZSHQ2cnI0bnhUbWxEaUktelIwVkRSS0szQ21KNm90WlBxRUFCY0tNTW4?oc=5) · Perryville Republic Monitor
- 2026-02-04 [Bank of Missouri parent finalizes acquisition - Springfield Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRFlwdXVmQmxqaDRSNHFTdElGRXFaS25CdXVLeDRobWJHXzZUVW5mTGVrZ010Z0R3MzRBT3MyQ1psV3h5Yzg3S3VRY1NCMDZqV0s2M19DbmNzT0d6c0gzazl0LThpUmI5NzRVNWswSV9YZHhyNlJjWmZKWXZTc0xkcW9n?oc=5) · Springfield Business Journal
- 2026-04-02 [The Bank of Missouri completes integration - Perryville Republic Monitor](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdWNKRjhYWG9OSWl6ZzR4WWhLOTdZM2pCRk5PXzdBODdTcjJHZWZzVEtzbVJhd0ZFY1NTMTNRSXBXVFdPRms5MzFoMHRJbHNGd1o3TDNtMDlhbFlDYlFqRE0zeGRXZV96clM3R3huaEZwdVE2LWFRcDdDQXkwUUQ2NXVXTnJibmtFbi13S3Z3?oc=5) · Perryville Republic Monitor
- 2026-01-16 [Bank of Missouri acquiring Clayton-based M1 Bank to expand into St. Louis market - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbjVvVTVELVhlNGlWT0FnWWkzZXMzeG9HelVyMHQwZElBaXpZVzVTdFFyTkpfcGppU0RuRlRvQThTaXNzVHBaekIya1BvelBnZXpIR1dRc3NOQTQ4WjFkTnBrVzFic01nNWEzWm1tRlpwNklZeHFYMTdBaGZ6RWE1REFDekVHTm5zNFdnOHlKZkRHckRSMzBOMlpSSjN3RkdiWXk2YWpQSzAzQQ?oc=5) · The Business Journals
- 2024-09-26 [M1 Bank headquarters grand opening highlights mission, community - FOX 2](https://news.google.com/rss/articles/CBMinwFBVV95cUxOLTE3T1IzV1V5TDFoamp0X2ZTQzhqYnBiVlBHT0NFYXdoTm4tZE1JZHA4bUppTVVzZElaTzA2NllINjR2cWFnMFJUeVl6bUhJZE5sWXk1T2FvQ05jZDBuT0RqZWpENk1CdVdCdk83UE1FX1BhUTNqd2RaZG9HSGRsX0VNdVFOa3pTTVhoTWp3YnlMd0NDZUg0eW9kOUpHbWvSAaQBQVVfeXFMT0hSd2ZEbWROa0JJNHJTcE5RcVlTMlg2dHEyTVlqazE2aGNINnY0UG43TV9fbFpHMUxERkc2NFNScG1BdEhvaWxsSEtHWnkzV3J1SUtBWTVZM0NsQ2UwQ2NzWW1KSGxFdkExd3ZLa3VUQVc5U1JoQTlvclpYTjd5VF9SUHM1SnhNb05zTWVZTG9WNmN6VjljRl9pTEJxQmxDVXBYR1A?oc=5) · FOX 2
- 2026-03-05 [Poteet appointed to Reliable Community Bancshares, Bank of Missouri boards - Perryville Republic Monitor](https://news.google.com/rss/articles/CBMitwFBVV95cUxOZkp0SjVYT0JUbHdzZjBIbEpSSTNlczIwMHpqVi0xVUcyX2VEZERRbHZmVnZSYXlrMEJ0RHNJaWdBZzdjNTFEbVlTV201bDZXcTg3eVdUM2RyOTNnZ1ItcTdXUmNwcnhESVk4X3Z5R2c2VWNVRWkxSjdpbDRNdjZYMjVpQ0JGOGxJSnBIRGhQZjVDY2dmaUFVT2NmWVZGeW1tblpja3N5LTI4TXRDN2hHN1lWbURWTmc?oc=5) · Perryville Republic Monitor
- 2019-04-18 [M1 Bank: The Heart of the Community - Ladue News](https://news.google.com/rss/articles/CBMizwFBVV95cUxQSmgxVWx3SXplUG9sU0lpLTljOF9pRm5PLU9TLWVTMnd0clNhTlI5TkstTVBFRFN2V0ZpY28tT2xXeFFwSk9JVEpJbmdOZmNFNThtb2Fybzl0dE1meEhXQjJQbDB6VmVDMjFQMmFRVGkxTlJvZ1hzZEZIUExXbHM2WkwwNGRXUkphRFBxZDJHMFZkN3lGNTU4dW45SGFyWnFfQWNYRzBTaUpBdjdhU1hEQ190eXhIWXNPOG1acGN1akpaSzR2dzhmaHgtN2pTT28?oc=5) · Ladue News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9797 (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/5.json (key "9797", 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