# MASON STATE BANK
MASON, MI · FDIC certificate 1001 · asset band <$300M · latest filing 2016-12 · 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 | $114.4M | |
| Deposits | $87.5M | |
| Loans and leases | $75.5M | |
| Total equity | $12.7M | |
| Loans / deposits | 86.00% (p71 of band) | 74.46% |
| Liquid assets / assets | 29.54% (p46 of band) | |
| Uninsured deposits / deposits | 27.20% (p86 of band) | 14.82% |
| Brokered deposits | 7.34% | |
| Wholesale funding | 18.88% (p95 of band) | |
| FHLB advances / assets | 11.53% | |
| Tier 1 leverage | 11.10% (p55 of band) | 10.76% |
| Unrealized securities loss / equity | 0.31% (p86 of band) | -0.86% |
| AOCI / equity | 0.24% (p96 of band) | |
| ROA (annualized) | 0.84% (p49 of band) | 0.85% |
| Net interest margin | 3.51% (p41 of band) | 3.68% |
| Efficiency ratio | 77.18% (p62 of band) | |
| Noncurrent loans | 0.71% (p53 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 49.63% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 8.51% (p36 of band) | |
| Auto loans | $118,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  | brokered >10% |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | uninsured deposits leaving |
| 2012-09 | 4 | capital falling | deposits shrinking |
| 2012-12 | 3 |  | loans exceed deposits |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | brokered >10% |  |
| 2013-12 | 2 |  | brokered >10% |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 3 |  | assets shrinking |
| 2015-09 | 2 |  | deposits shrinking |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |

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

- 2021-10-08 [William Philip Obituary (2010) - Mason, MI - Lansing State Journal - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNek50dEQzelpXUWlwbFg1bDJ3RmotUF9kcm5fVWRQclNXV0x3bEZvWFRSSGVhNENQdHFXN1RycVZIam56WGpVZ3dqX2pPcmZIS3UtaFdRQk5iOGpWODhaY2l1ejZmNWcyeHJmZUZDWEI1c1phZm1ET2g4MmhzTFFoNGU1U19fTmZw?oc=5) · legacy.com
- 2015-11-19 [Court: Michigan woman staged bank robbery to hide theft - Detroit Free Press](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeGluLVY2Rm5yVFVBRWl2aTZuNlFMYlhTY19qb2lXcXpwbFBxODNraXB0cVlMbXU1R3JBM3NNVXlDMWpMQkxJNVl6VzA4aENtX0NZMHlKOVJYY05sb095eHh3MU1JVTFKazdrcVVTQXhHUnJxbm9RbVROdlVrSU52ZkJvQ0UyXy1mR2NYVHltai12R1Q2UGdxbU1reHd3ZDl4QlBF?oc=5) · Detroit Free Press
- 2014-05-09 [Winston Dancer Obituary - Mason, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5FSGFwajVUUWV5NXdLcFV1T1Fib25vSkRsMUduZk5YeWNleFhwN3B1QmtnRGFLeXdjREtDS2d5WUJFZDNYbVdfUkxEWFpDWjYya0dUVHFZT1FjYms3blU0WExBVHMxTGl3Yk1SckltZDNydWY0UjczTDdUNkJMLXM?oc=5) · Dignity Memorial
- 2021-08-04 [Betty Jane Crowl Obituary - Lansing State Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBBclhPNENBZmktMDhTeWZ0YTZXbUFaVXFZdDR3LUtVX1Q3X1kzZWFOM1JqM0JrTXBTc2pfQjBQazhrbklpdlNXeTNFamdDLUl6NzNzQ1JTT1FyR2dpYXlEbm9XaUtlSFk?oc=5) · Lansing State Journal
- 2012-05-24 [Dorothy Ferris Obituary - Mason, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE0zVHdYNDZtNXhyT0R6R1JEVEowMC04Qmh4MW1ZM1gxNFN6cC1QaHNCeUI2eTkwZUJ3QXBnbjFaWWxXNnE3ek80V0w2UmtWcmhSaDYyb2hUVVZrY29ldnNldzV6R28wU3JsR1FKS3l3UUhBS2NDRV9oaG9mM0ptYkU?oc=5) · Dignity Memorial
- 2009-11-21 [Deborah Kranz-Smith Obituary (2009) - Mason, MI - Lansing State Journal - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTU9XLTdDVzg5X3BDQ0tvX00tY3hxOHdxQTJ1SF9sdldFdmNjMTlYajdFNmFYLWY1a2c3SGhtME5hMmpwM2xGeXhCSHhRbkdsRzJDYThqYUlOYnhvZnVMS2lnbWRzaGF0Vm1Zc2xLeXdvVENxWXkzUC1Td0tyQXptWWszRzJuVGlWVndzVkc3cw?oc=5) · legacy.com
- 2016-02-20 [Joan Hayhoe Obituary - Mason, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE1tN3ppbUxJYUdnV1J6Skdfd241bF9qS3BhVzJadTFtX3pnVzdGMW9wSEw0VXQxamR2SlFTVGhZWlhDWUhNdkZqX0x2OUFFSEpCR1gtR09uNjhLQ2Q5Q25PZ0k1akNBUHdvR25selI2SmhqSmYtd2x2RmFIQQ?oc=5) · Dignity Memorial
- 2022-10-25 [Betty Moore Obituary - Overland Park, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQakZBcGl3NXoxZVdUNXVxWWlIQ2Y5RC1CRWhyaEdlWFM4YWl6dUJ0VDkxSWhtU1FpRjFhS3EtckFCQXpuenk4Y0dLN2tzb2RMV2VybENRTEpCZHZ2RGFQWWtvVEdrQ2lMTlVfZy00THpHdWJFQm9ZU3Y5TU50eFNEN3ZYMEl3LW8?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1001 (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/41.json (key "1001", 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