# SECURITY BANK
RICH HILL, MO · FDIC certificate 9806 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $50.1M | |
| Deposits | $43.4M | |
| Loans and leases | $42.3M | |
| Total equity | $4.0M | |
| Loans / deposits | 96.51% (p86 of band) | 75.51% |
| Liquid assets / assets | 9.10% (p5 of band) | |
| Uninsured deposits / deposits | 11.82% (p37 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.35% (p67 of band) | |
| FHLB advances / assets | 4.99% | |
| Tier 1 leverage | 8.00% (p5 of band) | 10.91% |
| Unrealized securities loss / equity | 0.72% (p67 of band) | 0.10% |
| AOCI / equity | 0.10% (p25 of band) | |
| ROA (annualized) | 1.10% (p65 of band) | 0.87% |
| Net interest margin | 5.05% (p96 of band) | 3.67% |
| Efficiency ratio | 81.40% (p76 of band) | |
| Noncurrent loans | 0.06% (p21 of band) | 0.61% |
| Net charge-offs (annualized) | 0.06% (p72 of band) | |
| Reserve coverage of noncurrent | 1666.67% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 2.07% (p21 of band) | |
| Auto loans | $1.2M (2.77% of loans; DQ 2.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | expense ratio p90 |
| 2012-03 | 1 | charge-offs p90 | losing money, reserve under noncurrent |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | losing money | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving | losing money |
| 2013-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | losing money |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 | uninsured deposits leaving | losing money, capital falling |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 | capital falling | uninsured deposits leaving |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 2 | liquid assets <10% |  |

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

- 2026-06-11 [Security Bank starts construction of new Northland branch near KCI - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWDJGaThPUlpua0tyRk4wTmZzRlBXdl90UnFpMTNqQXhfWHhSU0V2Uy1LV1hhYXJNejlTczItVzVsbVFMekhmbFVfdzQxR2JRdmZsNWlPSkdIQXFwQ0t5R1pjS1FDUHlUa19IX1QxaWd4VERPT1pvaU9fT0xOaF80RkluSmhoZ3g3a3kzcnBFLWxKa0sxS1lLN2swWFJ4V0FiZ3c?oc=5) · The Business Journals
- 2026-09-06 [Sherry Freeman Obituary (2026) - Mountain Grove, MO - Craig-Hurtt Funeral Home - Mountain Grove - Dallas News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZVlWUzB5M3dmdE9tLW9Bd0JFaUVQeXNJZW4tejB0TTZrX3ROOE9SblREY0NKU2FTMmNjN2hJd1dNaGlzSS1hYmJUWllyQVhJLUZMd09LYjBmLUFoSmxtOFJyd3hSVXAwaXNENGV0TDd4SS1mR3BLRklVRFVfV05fUmQ3RmhYT1ZYUUVF?oc=5) · Dallas News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-04 [Craig promoted at Security Bank of Southwest Missouri - Cassville Democrat](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWkNQNENmVmxvbk9LazB1dnRZX0IwZDhtWUtHekVyN2FRaVhuMTZxLUdVdU1xTThVWTAxcFZ3dUszZk9KUnNSUmxhRnBWaC1yeFFUem5jUEhJbDc2T1ZqUU9lLTZDQkg0cE1OYkdVdWp5bmQtc19oYzI0X2gyMmtnSGQ5MjF6WkpKMlQ3VWdQYXY2RmZRaW9IOXpJMkx4Vl90dHc?oc=5) · Cassville Democrat
- 2026-08-27 [Security Bank turns anniversary fair into scholarship boost - InsiderPH](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVE9RZ0l4MGxFYmt3ZEF1emFUYXBfWEFtN1lCTzFyUVVqVzItcl9uWjZVdktlQk1zdzVyakVWcXRDN1VwT0hNRGFnNzR0NnI5V3hjd3dsRWpRc1RmbmVycmdSZnlZYzNWc1ZOQkdpNDF0Vlh2YVVYNHY0aGV1dGNIX1BEWGN3SU5T?oc=5) · InsiderPH
- 2026-08-29 [Employees turn entrepreneurs for a cause - Inquirer.net](https://news.google.com/rss/articles/CBMigwFBVV95cUxQSURsV3Y0ZnJNbjJkN2wzbDIxVE9uT05NdVdjT3ctVG04aWtmZnRjWWVSSmpEdjNNUG10bWo4MkJjUkF4akFvdzE2V3U2U1BDRkpWV3ZhTkg5US1mWlVzYlMwRTUzREk0OV9kR1hMOVVFN201Q1RmUXdhSi05R3ZYYlZia9IBiAFBVV95cUxOOVJnamVCclhJUW4wZ2tLcDNCREk0bkRMRzJrcU9wWFVON2lJSXJEbWFpbjFyaFJhZXc2T2J4T05YQ0xMVWJ1allBak1zV3ZWUFpRSjAxX2s3TzRCRWlkeE1UYTgwSEFpeFdYZkUyVFI5Mm9YeVFMUjJWTjlJaDQ0SEpRLXJMQ0Rk?oc=5) · Inquirer.net
- 2026-03-19 [Here are the Kansas City area’s five strongest large banks - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQZ2tqN3hEUm41SS0yQk5hUUZUbWhsSHBVeXFuQV90dXZxWk9EaWtCTG1rQWtzRGkzWnZScFJKMGFuMmNhUlNkYThUdlJPS3V0WmhJMy1CYjAyZzcwRmo4X2NDOFpKdXItdmVRdHh2VkxrRHlVR2d4bVhOOS1HQklGUE9sQmM1M3FQeTJxQXJMcUVWMFJQRDZwWnIwZmZwbWppLWZHRUpSb3hwbFE?oc=5) · The Business Journals
- 2026-08-27 [Security Bank employees turn 75th anniversary celebration into scholarship support - Mindanao Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWEdIc2QyVjFoRlFOejcxQlh1WWdkV1FwdDZOWlNjZ3Bsc05FaG1vdGdlZGwtVWxrSWZFUVNGNVJNaVBqRlI0Z2kxd3F4bFhuZmZrUG5na2dlbmZKMVg0NXlNRUloQmR6NHNmT3RkYlBqOE1kc2JfX0FLS2JwbmVzcGNGRVRYVjBVZjRKUW9YU3JUZ1RXWmdiNmV6RWNMdXZvQ2ZPRjBQcm4xa1ZLUVF6UDhPbXZvaHM?oc=5) · Mindanao Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9806 (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/14.json (key "9806", 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