# MIDWEST COMMUNITY BANK
PLAINVILLE, KS · FDIC certificate 10925 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $60.4M | |
| Deposits | $43.0M | |
| Loans and leases | $22.5M | |
| Total equity | $8.2M | |
| Loans / deposits | 51.39% (p18 of band) | 74.46% |
| Liquid assets / assets | 61.12% (p90 of band) | |
| Uninsured deposits / deposits | 14.55% (p49 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.88% (p92 of band) | |
| FHLB advances / assets | 14.88% | |
| Tier 1 leverage | 14.08% (p82 of band) | 10.76% |
| Unrealized securities loss / equity | -8.09% (p6 of band) | -0.86% |
| AOCI / equity | -6.77% (p7 of band) | |
| ROA (annualized) | 1.22% (p74 of band) | 0.85% |
| Net interest margin | 2.83% (p13 of band) | 3.68% |
| Efficiency ratio | 60.25% (p19 of band) | |
| Noncurrent loans | 3.11% (p91 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 55.73% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $103,000 (0.46% of loans; DQ 7.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, NIM <2.5%, charge-offs p90 |  |
| 2011-06 | 3 | reserve under noncurrent | leverage <7%, leverage <5%, losing money, charge-offs p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 3 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2012-06 | 3 | assets shrinking | deposits shrinking |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking |  |
| 2014-12 | 3 | wholesale funding >15% | reserve under noncurrent, assets shrinking |
| 2015-03 | 2 | assets shrinking | charge-offs p90, wholesale funding >15% |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 2 | reserve under noncurrent | assets shrinking |
| 2016-09 | 0 |  | deposits shrinking, reserve under noncurrent |
| 2016-12 | 3 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |

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

- 2025-02-26 [Old Second boosts Chicago-area footprint in $197M Evergreen deal - Banking Dive](https://news.google.com/rss/articles/CBMiswFBVV95cUxPM2FTRC1XV20tSS13NTFZVnJSU0ZuU05vaHNtX2I1MHNUaWhZOHd5emtuWl83X3Mzc3c1Q0tMZzZyZldLX0ZVdEhhRWlSUHpwb09KdlVVVTNnZGx3Q3UyU1RJZlpVLTNBX2t4MnM0UmFQOWdOdHVGcFo4N21ZT2cxM3RORU9QWE0ycUpBeW51RlR3d3k5SDNpM3djT19jSmxRRmM3RldsYTgwRVlJMXYzYVBFVQ?oc=5) · Banking Dive
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2016-11-07 [Kansas Common Sense - Going Back to School at K-State - U.S. Senator Jerry Moran (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVUxwaTZIMlFuSG02UWhxT1hNYk5YOEE4YWRmY3ZFTG8wNWVzVEMyNGdGWjFwZHdvMm9sbERXNng4WmJUMFdaV19IZFk0MWFSLWM0OF9fWDdIQlR3aHNELXFKZ3hmdVBSeVpzRmFGQlg4Rzk3endxdnJCVEg1bzZqckMxVE5Hbzh1SEVUeXlQZjk5LXVla0pmb0NQd0s?oc=5) · U.S. Senator Jerry Moran (.gov)
- 2024-04-25 [Lawrence Gene “Larry” Desbien - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5OSWJFNW1jXzgzR0pZTVhwYVBkWnJNYkZTZG9aX2F2RnpxV0g2bVkyeUhaM3dtRGlZZDZXZjdtNUVZYzNlNXB2a2FEeFZmakhjOTBCbEpEODNzQU1YTl9QMDNJVHlvNi1mYzE4WlktV3I?oc=5) · hayspost.com
- 2018-07-22 [Barry and Donna Jean (Keeler) Gilliland - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxPWElIeDkyZkdOZXVXOXBwSHNTdXJ3ZlZEN010bmg5WTlJd0UzU3MwdFRmWkdTVzBTcHRJUFgwQTlrRUZvWnVSOVRQblZMUXNnR0M1REhNNDV6RFRlb2htWl9aYXBCWXlTcTBJdHlOcjlQN3g4V0JIZXJ5RDRvZEVIT1haUFZ2RzdjVkF4SERtSlY3b3hHb28zampMcVRXQQ?oc=5) · The Topeka Capital-Journal
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10925 (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/45.json (key "10925", 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