# MAYNARD SAVINGS BANK
MAYNARD, IA · FDIC certificate 13736 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $108.4M | |
| Deposits | $88.2M | |
| Loans and leases | $48.3M | |
| Total equity | $13.2M | |
| Loans / deposits | 53.73% (p23 of band) | 73.59% |
| Liquid assets / assets | 54.20% (p82 of band) | |
| Uninsured deposits / deposits | 19.39% (p48 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.20% (p76 of band) | |
| FHLB advances / assets | 6.20% | |
| Tier 1 leverage | 15.08% (p77 of band) | 11.76% |
| Unrealized securities loss / equity | -32.01% (p13 of band) | -6.57% |
| AOCI / equity | -1.82% (p14 of band) | |
| ROA (annualized) | 1.17% (p50 of band) | 1.17% |
| Net interest margin | 2.75% (p8 of band) | 3.93% |
| Efficiency ratio | 57.16% (p28 of band) | |
| Noncurrent loans | 1.00% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 197.73% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.6M (3.24% of loans; DQ 2.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | capital falling, reserve under noncurrent |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 0 |  | capital falling, reserve under noncurrent |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2015-03 | 3 | capital falling | reserve under noncurrent |
| 2015-06 | 3 | deposits shrinking | capital falling |
| 2015-09 | 4 | uninsured deposits leaving |  |
| 2015-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 4 | charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 6 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2017-03 | 4 |  | capital falling, charge-offs p90 |
| 2017-06 | 5 | charge-offs p90 |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2018-03 | 5 | charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2018-06 | 3 |  | reserve under noncurrent, deposits shrinking |
| 2018-09 | 4 | deposits shrinking |  |
| 2018-12 | 3 |  | deposits shrinking |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 5 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 2 |  | loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling, reserve under noncurrent | wholesale funding >15% |
| 2021-03 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5%, charge-offs p90 |  |
| 2022-06 | 2 |  | NIM <2.5%, charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | NIM <2.5% |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 5 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 2 |  | capital falling, deposits shrinking, uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | capital falling | NIM <2.5% |
| 2026-06 | 1 |  | capital falling |

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

- 2012-11-02 [New information in Tuesday's bank robbery - KCCI](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTkNoSGx1VllSN050STZDUGo2N29TWGJPd3BrdHlSZTBnelQ5cGJGT1JRajI5U3lRdFdNRG5heWxLM1c0QWJkSDk0SHlMNkRrc05zaXdHQWtTZTlpcU4zYmVNNmloUjJNbTZnOUNqWjAwZUVNODlhSlhKSHVWak5iSzB3OUg?oc=5) · KCCI
- 2023-07-28 [Dime names new CEO, BayFirst names new finance chief and more - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxPem5EVUx0ck1mTFFsMzhIMkh4M0ZFeUVDYjYtSHFJUG5jaWkxNHV4R1c5UXM5cGVZUFdacGJnUUhlX3lIcDJHLVdGa2laRWJ6eGJWanFOaDltTkt6dVZDVzdoZ3l2Z1VKOVlwSUNTZkV2TDUtNGJFX3ZsNV9ZdUYxT2Q2ZWdjeUhWZHdfMDJaT01QV0JWRlkzc3EzS2w?oc=5) · American Banker
- 2012-10-31 [2 Iowa officers shot following bank robbery - Police1](https://news.google.com/rss/articles/CBMipAFBVV95cUxNT2ZOSFlLeko5YzA0X0wxbDBhWDMwQXByRDBEdHd2QzJ6YmtxN2EzbmdoTmFWLUw0Q1VOZ0VHU2JJV0wzeWRpMEppaE4tV3FRb3hZczB4ZlE4V0picHVqZ3pBaWhkU2dmblVQWHhHMzYwWHVERFRId3NLaGNfenl5d3ZBUDJPTk1mYkgwZkF0YUhQb2dwREM1VzNra0ZGOHl2cEIwRA?oc=5) · Police1
- 2012-10-30 [Two arrested after Iowa bank robbery, chase and police shot - WQAD](https://news.google.com/rss/articles/CBMiywFBVV95cUxNLWZTMTU2Y2pFSUhzYWtFVnlfTTZQZ2NzYk1ESmtLcGx0Sjc2Y0x1NU1CM3ZIb1hzQVRTT09STmZHREl5LXh5bDFpQVpuQWpqd2JlekdNZWpic3NpOXBSN0RoWHppdGZQOEdWR3dNN3JLblFNcGEyOHhnTXo1cmNNNFhPMVBZNjdoYzVEUXhDalk1WEwxeVo4VUN1VzdkdEVvZzBac1B5UE1sR2wxbF9CVnFsU0dFY2phWVVFWGp6R1pqUUNKTUQ5MjJxNA?oc=5) · WQAD
- 2012-11-01 [Robbery suspects charged in gun battle - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNVVdaanZOd2NqNXRPTXhDc1ZHN0xKNTJsSlF3aWc0a0hmNXZ6R0tYMWYxYldETXRMV2VqOWNuTU1yXzgtWGkyNDZhdV85aTNCdDZqekdnakxMLTVoMU5ycWVTc3Jpa3o0bDRURVdqellidGFkaUdnLWZtV1JTMWM2OGNNUmxmUU9uWVVmTjE1TjhUNC1oalZzeF95ZV8xX1dISVFYaDVBem1Idw?oc=5) · Lubbock Avalanche-Journal
- 2012-10-30 [Officers apprehend Iowa bank robbery suspects - KETV](https://news.google.com/rss/articles/CBMiigFBVV95cUxQTlJzeGFDUXp1NU9iN1BKQ3BzUmdYeGhFMXZwd3FCU2d3Z19UVl9ZcUZLdG1wbHRuQXJmbkZZdVQ2WVE4NUNKNlFnV01PdUJlS1ZQTzNyUEhGNTh2VjVPZ3g4aklmOUxha3NtZkNqOUdzbHdTREZJa0NzLXBMMWs3ZV9vZDlrUGt2dlE?oc=5) · KETV
- 2019-06-03 [Officials charge 2 Iowa men planning to rob bank, sexual misconduct with minors and more - The Des Moines Register](https://news.google.com/rss/articles/CBMijgJBVV95cUxPY0xMay1uRnhlNERSSDVpOVRubHFzT3cxUlJveC1DNzZHZm8tQVd3Ump5Rlc3ZmFLM09ESWhmOVI5UUV1QzRlckhnZlFxNW5mcF9YSFE2WjZ3YjVwdTFlV0V1WERMc3dEQnJJenJsalJGd3RXT2hmWmdwT0pReDZSWG9ycFp4Wllvd1F0QjNla1JmT1BfSklwT0JRZW9oek94Zkx2amw2MHYzM0ktOTZKLXRnZEJ0cTdzRXphTnBOS3g2b2ExSHFGbG5HckJhZjZsdGdBcGdlUXUtZlNydG00bUZES2RTMUtQenI1WC1ybklXb1dFcnNsRVZWWkdhSWd5RURKSjRLQmw5bWFxTGc?oc=5) · The Des Moines Register
- 2013-07-06 [Photos: Jeremiah Mumford and William Clayton sentenced to prison - Waterloo-Cedar Falls Courier](https://news.google.com/rss/articles/CBMigAFBVV95cUxNVFBZMjgwTGZXSzA3elJnQjQycVBYZVVNdUY1dVJsT3dmcTdObHJSUWRPQkw5UEF0SEE1TW9jdVlLeFBad04tQi1qdXhTWEdkWkN2VU5zdnFlemVWLXBhLUs4OXpZcVNudlZhd2RJVFdRS1FpYy1CWWlrUVBqOWhkSA?oc=5) · Waterloo-Cedar Falls Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13736 (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/40.json (key "13736", 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