# MA BANK
MACON, MO · FDIC certificate 14695 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $417.3M | |
| Deposits | $364.5M | |
| Loans and leases | $235.9M | |
| Total equity | $37.7M | |
| Loans / deposits | 63.81% (p17 of band) | 82.04% |
| Liquid assets / assets | 38.06% (p80 of band) | |
| Uninsured deposits / deposits | 22.13% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.80% (p47 of band) | |
| FHLB advances / assets | 0.76% | |
| Tier 1 leverage | 9.54% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -5.24% (p61 of band) | -8.10% |
| AOCI / equity | -3.34% (p3 of band) | |
| ROA (annualized) | 1.06% (p36 of band) | 1.28% |
| Net interest margin | 3.39% (p23 of band) | 3.91% |
| Efficiency ratio | 68.51% (p70 of band) | |
| Noncurrent loans | 0.96% (p71 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 146.42% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 23.36% (p29 of band) | |
| Auto loans | $6.2M (2.61% of loans; DQ 4.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-07-24 [Kirksville business leaders celebrate new location of MA Bank with ribbon cutting ceremony - ktvo.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxNVzhGWEQwU19PUkRYY1NKd2Z6eFJ1b1U4UWlrbjlib1A4WUttdC1la0Q0dXFnLTVrYUp1RnAxTW90a0x6NG5NUnEtLVl0ZGxRMVQzeFJPWXR0a0dKWnZlbTdvb3VvX2VNSXRPRjlqcHB3V0JvOTVUejZXUTZqeFNLS2dOUnlJS0pNMEFGMUc3WjFrWEY0NGhpYTFESTVUZmFGN1VrWWlEN2xnWTI1aE5UeGw4YXFhMDYxRjY0YjhkTWZVQWNZdXRwZFNZYTQtZlFiaVd0alZWb3FtaUVKZDVKSzBHM3BWN3V0a1ZIb2lscDk1bkpFZ0w4RUQ2MUJFSGR6TUE?oc=5) · ktvo.com
- 2026-07-21 [Kirksville Area Calendar of Events - Kirksville Daily Express](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRkpKdkhEYncxYkJObHVORWhJUk8tQThvMkhpdHRIYm5NQXA0YjZsT1YweVNPS1QtNzlXWTdISmxiTnpHQkgtUjZ0UV84YmJzTk1ULUZUZEVXQ3dRMGFTVWNHVzV4T3pWeGJJWVBiQ1ZBVXI5TmhjVEg4Ykx3WlRhZlhrQ05OblNJQl9XWEdvQ2k?oc=5) · Kirksville Daily Express
- 2024-07-10 [Missouri’s Macon hopes to grow, along with its signature trees - Macon Telegraph](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVVhIVzdTRTB2YXJud1MtMjZvbUlQYXB1QXNFbVJsbG50V3NCSjdMQ0N4TU9kVnI4UHFmSnZ2blJrNmdhT240MVVIVVo1VmpRQW4tSnhzOWtTeWwya0RDZzhRdkV4ZzhrRnFKU0x3a3h4NjhOREJNMGo1M0JLWDQ5OEo5MlhDX20tZkRrTEJ3?oc=5) · Macon Telegraph
- 2014-04-16 [Summer 2014’s 40 Hottest Tours - Rolling Stone](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNUGJtX3hMbXNVNGFZNXE4WXVVb09jenFOWHFMa3Bvc1BhOGJqN01uZHBZcnhva0RCSUJjTnVzXzJlMXcyNkNwUGxIVGNrVTI2SWNlNWo1WURiWjRZZXEzbGdJSVJYZDdKbThRVmxUUUthV241anVzSUcwbEx2SDNMYWxEdHNfQ0stMXlz?oc=5) · Rolling Stone
- 2013-05-28 [Tedeschi Trucks Band Add Wyoming Date - Jambands](https://news.google.com/rss/articles/CBMigAFBVV95cUxOampLZ1l3aFo5cnF5QkRGMVZRbW1XbXZKTTNnODhxN2llQlR4OHlXT2VmQWViMVROZ1ZMaTRmRUZheDFRYWhxazNydW9sTjliR2QtaURYX0hZUnN0WldWcUNDRG9YeWNfRkV3VWppQXAxdFVRSk1KUHR5TWtQUFpRWA?oc=5) · Jambands
- 2005-05-13 [[Tour Dates] Ben Folds, Rufus Wainwright to Tour - Inside Pulse](https://news.google.com/rss/articles/CBMiU0FVX3lxTE0zd3FZa2xYSDF1Zld5SDkzRFl1REtCYlp1YXV5WEV4RHU4WU96MUdxNERHNDFRTlZTUVJKbEQySDNGU254TC1PSVNRcmVSZGg5cVhZ?oc=5) · Inside Pulse
- 2018-09-16 [Suspended C.C.C.S. Reverend fights to clear his name - Samoa Observer](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5CaUZuOWZPVU5BYl9ucU5IVVpJMTN5VjVaeElMSmYyQWpNVEszbWNaSmxVeWNpVjBXRHdrMEJuWTZDTGJUR0ZXaUF1TFpsaXlkQjVqb25pTkFWWnVDYnc?oc=5) · Samoa Observer
- 2020-01-07 [National Bank of Malawi clarifies on new fees and service charges - Nyasa Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxONkFkbUh6d0ozTW5pblhEU3IxVlFwZ01sa1kzbWtRbFEybnB5ajhhMEdGRlh0V2E0NnVnWU9wY0p5MHhrZVpLYjdfT2lGa0pHUE9TazFQblZDaTZ2RV8wSGpXdllzcVQ3MEZEWFlNQ2gzNExCZ1N1d2FrU0lCSTdSc0RQYm1kb1pCZngzc0lhWVZYalQ3aEJEcw?oc=5) · Nyasa Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14695 (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/39.json (key "14695", 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