# MBANK
MANISTIQUE, MI · FDIC certificate 14816 · asset band $1-10B · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.52B | |
| Deposits | $1.31B | |
| Loans and leases | $978.1M | |
| Total equity | $165.7M | |
| Loans / deposits | 74.07% (p44 of band) | 77.14% |
| Liquid assets / assets | 30.04% (p53 of band) | |
| Uninsured deposits / deposits | 7.50% (p4 of band) | 31.23% |
| Brokered deposits | 0.88% | |
| Wholesale funding | 2.73% (p44 of band) | |
| FHLB advances / assets | 1.85% | |
| Tier 1 leverage | 9.38% (p47 of band) | 9.50% |
| Unrealized securities loss / equity | 1.29% (p59 of band) | 0.85% |
| AOCI / equity | -0.17% (p75 of band) | |
| ROA (annualized) | 1.07% (p33 of band) | 1.25% |
| Net interest margin | 3.94% (p89 of band) | 3.24% |
| Efficiency ratio | 68.91% (p80 of band) | |
| Noncurrent loans | 0.50% (p57 of band) | 0.42% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 113.72% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 35.74% (p43 of band) | |
| Auto loans | $7.2M (0.73% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 292 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | brokered >10% |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 1 | loans exceed deposits | uninsured deposits leaving |
| 2013-06 | 2 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | uninsured deposits leaving |  |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 | capital falling | loans exceed deposits |
| 2015-03 | 3 | reserve under noncurrent | capital falling |
| 2015-06 | 4 | loans exceed deposits |  |
| 2015-09 | 3 |  | loans exceed deposits |
| 2015-12 | 3 | loans exceed deposits | reserve under noncurrent |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | loans exceed deposits |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | uninsured deposits leaving |  |
| 2018-06 | 4 | expense ratio p90 |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | wholesale funding >15%, expense ratio p90 |
| 2019-03 | 1 | reserve under noncurrent | brokered >10%, uninsured deposits leaving |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |

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

- 2026-05-28 [Advanced Protection Systems secures PLN 450M syndicated defence financing from mBank, Pekao, and Bank Millennium - Dealroom](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQOUEyRkY1VFpqWk51SXpCUGVuWWljRkJyR0NFSGU0cW95Q0JTQXFIS2QzTHRWVmpTbEh4Zl9EZ0VGUW9VdG11QV90WDYtT2Y3VTA2ZmVhNjV0TXVDczl6dTVzaG5uc0pMcmdGcElqbHhTUjd1QjlTRy1pc2dWN2xTQ1A4WEFRSWhuX0t0T1A0VHhwdXJCSnluWU1yamR3S2Q1WlRrSTRCYWJsMlA4WmZXel9WV1lsWWlvd0lON2ptNGJEWUhQWEtlTElOWjRET1k0NUUyOXZoQktoTjZ2?oc=5) · Dealroom
- 2023-03-25 [Moody's downgrades Poland's mBank, confirms Bank Millennium - Reuters](https://news.google.com/rss/articles/CBMiowFBVV95cUxQb0c1RXRrQWtRay03NEFldUJ5U251TjhyS3J1X0haMS1iMW10ZGVHWFQ3aS1ZZTVOZDNDenlTWno4Q1dTeG9lNTNUbDNub2p4YlZvU2J3czhrS0Mtd0JNTlNkcVFkWGp5blZuem1fRHVnM0I5ZTA5SW5nZjMzcER3WkFqWXJjWTVJNFpORmc2WWlUd0JlU3NtMDRqaXNyT2VGTzVB?oc=5) · Reuters
- 2025-11-22 [Interest rates are falling, banks are thriving. Six charts that show how much they earn – and where their profits really come from - xyz.pl](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOUTViSUJXT29leUwyOHJkUC1POWZGMkVPd2pKRWNHeWN6dGdWSmc4N1lINjgwQmNBM095LWVDR1NBRkhnaHgyVU8zZWRBN05pckctanN0RUlMTy14UFRZYklfMUZPSklxSFI4QzNqbXBsMEVWTGtqaGdqZy1nQ1hKLXp2akJIYmFMLWpISGRMcW5NTElnUFZycmhKRld5M1dWTFVPd3UySXQ0Rl9XX0xaUXNOWC1CRGliVjl3TGxLTzYxLVdqcGE5RG1MeVNPV2JFQXN3ZEE0OUJPRFVJWXRlTGhOZkpCR2FXMGZPdXd5WDRpZjlOOUE?oc=5) · xyz.pl
- 2026-05-28 [White & Case advises Advanced Protection Systems on up to PLN 600 million strategic financing for defence sector - White & Case LLP](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNY0t3YmVtUTFZS0tELUVjMmRFbGhBdFY5Mnd0eDdXd2FIQy1Yb250V1JDemhKQi0zM01Lc196U1FSOTRoOUItb0loYnJDSlotRUdOeXdVc3hiUXBBai1aWVU5OW1BeFU3d3B5bEs1OUtoME9yeVE3TWE2VnNDcVZETVBmTFRfVHVBYTJXcTIxenJCSEQ5Y2N5YTE1RGdUeUFnVjh5dFd5TEN0Y2psODBVYV9CTkNPbnhF?oc=5) · White & Case LLP
- 2022-07-18 [Polish Antitrust Office Alleges Santander, BNP Paribas, 3 Others Broke Rules - PYMNTS.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNUWs0SlQwd2xGUDhWN3lIb2ZRYzVJRE5IcVAyUUFiUC1NREhfZlRIeWc4QWN1TldJSWJYYmtKbUFWbFdQNlFfX0F3SXRBWnVPX21pbGxTZ1IwcWhwNloyUlFwMVpfeFhDLTk3SXlCWDlRaEZIUVQ0VmxXWVFDb2pROVE5XzdVUmRTTjZoc0NyTDV5WGhvLUF6T010WHV4dVY5U3lWUEp3UndCTXcxOVA2T3pKVFhPWno2YU5R?oc=5) · PYMNTS.com
- 2024-09-07 [World’s Best Digital Banks 2024: Round 1 - Global Finance Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcm1oYk85MmY4ZU5tSS1sM3ZQaUVrT1Zod3VUbGV4NlJWZkMydTR1MVZoVTBpeF8wX0VDU0hJNHYxb0tTUzFtLWtqSnRzMy1iSl9pUHhmd2U0YVhHVFZjanZXQ2lQUjJpTlVkb1ZWNHZSeE5BeFJMYUdrRkJ0U3VkQXZMUQ?oc=5) · Global Finance Magazine
- 2023-06-15 [What's at stake in Poland's Swiss franc case? - DW.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQUUdKSVN4eEN5UmRpci1iellqem51c2VNN0pwZmhwSnJtQl9kRVd1cl9DNnZIMjYxc1NTbWRGQ3Nta0hoTGNGT3Z4MHVnZTREWFdlOUdSbHlnNkwwbnlmWWJLcHJUZmRGTkhoUTdFa20wUVQxS3VPVW1aMnRfRmI1WtIBgAFBVV95cUxNVjlUMnlPNDhVWVhzSmNWMzgxQlpWN0RxTWNVZ1YwN1dVelR6a1V5WVNwVlRzekI0WHcxWm9qNFdKbnpvY0xyZVpLOHRWZmxhbkJxVWNsOE1jMEtJWVEwdzdIdHN4a1NwNEZmdHJ3aHFOQ2hRbXRScDA1b0ktbUN1bQ?oc=5) · DW.com
- 2026-05-24 [Poland’s lenders under pressure as margins shrink and costs climb - xyz.pl](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUWV5ejNzcmtGYkE5bXZGdzViUjdwN0hNaFl5aXloWERkMmU0TEV4UUFvamxzOUNHRFZldVo4Y2N2Ums4UHRzVWNuLUNYbm9NRldEMU12eGlDd21jVDVta29OeHdsaVNmV056dkZHWklIdUM4UlpFWFZ4enFUblZGVG5McUdJb2R5X2dhM2ZoVnBOQWxOWEFDcS1jR3Y2TlU0YXhF?oc=5) · xyz.pl

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14816 (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/32.json (key "14816", 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