# MINERS BANK
MINERSVILLE, PA · FDIC certificate 15145 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $138.3M | |
| Deposits | $117.5M | |
| Loans and leases | $116.7M | |
| Total equity | $14.8M | |
| Loans / deposits | 98.17% (p91 of band) | 71.50% |
| Liquid assets / assets | 10.59% (p4 of band) | |
| Uninsured deposits / deposits | 16.28% (p63 of band) | 13.21% |
| Brokered deposits | 5.82% | |
| Wholesale funding | 9.83% (p83 of band) | |
| FHLB advances / assets | 2.53% | |
| Tier 1 leverage | 10.10% (p44 of band) | 10.45% |
| Unrealized securities loss / equity | 0.35% (p47 of band) | 0.49% |
| AOCI / equity | 0.83% (p41 of band) | |
| ROA (annualized) | 0.18% (p13 of band) | 0.81% |
| Net interest margin | 4.20% (p79 of band) | 3.66% |
| Efficiency ratio | 93.14% (p87 of band) | |
| Noncurrent loans | 0.32% (p33 of band) | 0.76% |
| Net charge-offs (annualized) | 0.06% (p55 of band) | |
| Reserve coverage of noncurrent | 356.08% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 29.85% (p67 of band) | |
| Auto loans | $262,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |

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

- 2026-06-02 [Miners 1928 Hotel expands as Metz Properties buys two more buildings - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMiswFBVV95cUxPd1R3U0UtVWVaLXRwc09iSFh4Ymo0MktkVUU5QkFBOGhLYm1OOFI5QTdNRFk1RmdtaXEwdGM4dmZvazBjRlZGRzc4eURxVzhPYW1QWUtsXzRwVU5pcWppMUc4SUx1X2dibFVOQ1EzcWdVMHdGWkE5aVhCWUZxSldFWFk4Y1poZWt6UmJaRE1qaU1Jem96bDhNNjNHWGdhYlBmcFZZRm9iRUphU21NcmJYVk5JYw?oc=5) · Pottsville Republican Herald
- 2023-07-30 [Look Back: Millions moved one block in Downtown Wilkes-Barre - Times Leader](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc3NZRVFRWHdEeEhYbXp5Rm81aHBUTlNHTXQ0czVnb0pHOFFIbVZTRjZQdmVCQUNpcTBaY203YW9WM1hReHY0eXZGaW9MRDEyWHM1MjJsN2d5djFfZFh1N0U0Mk5BbW9QTTBpblhxSVRXbmV5RVdGVHF1Uzlyd2dBSmZpd0NrOTRrR25NcWZjZ0E2YnpiTFgteEE1b0dtV05TQkE?oc=5) · Times Leader
- 2026-02-03 [Angela Acierno Obituary - Hughestown, PA - The Citizens' Voice](https://news.google.com/rss/articles/CBMiekFVX3lxTE4tc2szSkdGd2VEeFlLajVXUUVtMV82UlViRVVJQ1hqWEdjNzAzMGZZVWZqZ0U2MlRXM2lLR2FtMzd1cW0wdHBobHIzclBVSUxNQ1hIbXdyQzdPZDB6dGhnUTNoSlNUMmhUZXlNZzRvVEJDQk8ySll2Umxn?oc=5) · The Citizens' Voice
- 2026-02-25 [New hotel complex coming to Pottsville, will feature 90 rooms, sports bar - WFMZ.com](https://news.google.com/rss/articles/CBMikAJBVV95cUxPNFIzZDlKTFloMWhYOHlSc0pOei1iRUNKeWhMemNaWUNWcUpkcUo5T3FVbENCZlJYMTRQdEIwR2t5bVp0RW84YUF6eURuaFlRZGh2TFdyM1hvNS1XVFlVLXZ1QkxwQ2dwNEdoN3E1UmxqR1pLOVhHNDhoTXNXeU53ZGxpWTJkRk9DRHp2am84RzVJcHBNYnpzVk15eWtFYWlXR1FOakZSRldYZDVJakpoUXkxSEhENGFlZmY5Nlgya19KWTRDd3FkNHU1NHNWNmVTandPTVRSSVlLRGdxOUNycmtKLWlPMHRQOXhzRGdydVA3WjZZUHFlOXhGMHFEVFozV1hRd09TTExqTjNReVRQUg?oc=5) · WFMZ.com
- 2026-02-19 [$10 Million Hotel Expansion Announced for Downtown Pottsville, Former Ramada to Be Added to Miners 1928 Project - Skook News](https://news.google.com/rss/articles/CBMigAFBVV95cUxPLV8ySElCQXZBd05rYXZnV25XNVdoZUhlRmlwc1ZEMEs0d2RfSTRzbFREWjVZWUFnWjA0MnVSS3FlTGJtbENfVWhOSzZBaFUzRkZHcWRKeXpERkVfOS12a0dEQnJfeC0ybHZuUTdiSUFfNzBwTm1OeTdmUV8tVnR1Mg?oc=5) · Skook News
- 2023-03-26 [As Santander Bank leaves Pottsville, future of historic Miners National Bank building uncertain - The Standard-Speaker](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZUN3WE4xbF9vNksteGNCMlNUZ0FCdDZyeFpVRjRqVHJSYVg5V1VvbENraXlRTzg3TGF6c2RtZGl4VXM1bjczOXdFQWx5UDZiNVAtajY2eHNMbHJuYVM1MFpHeVBGM3JXYTk1NWYwOWY2TmpVV3FKTkZGX2t0Zlg1VzNkb0xXVjJ6dVlINC1vZnpIWjB6ckRfT2VVYmEtMkE1MEwya3FVQ3A4Nm1RanFaYnBfc21KRG1Rd3Y5QmdNWEZqd0NIekh6SWFZSDR2WG0zamQ1dQ?oc=5) · The Standard-Speaker
- 2026-02-20 [New hotel in Pottsville to be expanded, renamed The Miners 1928 Hotel - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMiswFBVV95cUxNUkUzZ3ZjRnRiOWhYWmRBYWdZR094d1hILUxJWjZrVjgzZ2xrYzFiWVQ2a2gxd3FlR2p5VHp6X19wZlZMQWhjcS1iaURJTlBEbS03bndpcDRXa2oxUFZXT0FxeXBkck5pRTRPYWx3TklzQXpiSWo4OG9ES1pZVTdCci1wNW5tdkI2MWZDbWY4ZE5xWlFjYXk0QkR5WGxPRjBaVUNJOUdOT3dYcnUyVjJkcm9iaw?oc=5) · Pottsville Republican Herald
- 2026-02-19 [Karen L. Smith Obituary (2026) - Elizabethville, PA - Hoover-Boyer Funeral Home, Ltd. - Elizabethville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1DZWY3RGJSNVFxbmZnY3F4d2VVcTBLaUNXUnV5WXB0X016dUlkVnJXZFI1eVg0bFh2RTktcl9yWXdKT2xUOVBHeXF4LVc0b3BOYlA4U1dMOFdEXzFRbDdhSTAxU0F1eWpPRzI5WlBSUFptaU5ocUpYZzRnN1FuM2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15145 (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 "15145", 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