# MID AMERICA BANK
JANESVILLE, WI · FDIC certificate 15183 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $81.3M | |
| Deposits | $71.5M | |
| Loans and leases | $57.6M | |
| Total equity | $9.5M | |
| Loans / deposits | 78.34% (p57 of band) | 74.58% |
| Liquid assets / assets | 25.50% (p36 of band) | |
| Uninsured deposits / deposits | 25.06% (p85 of band) | 14.02% |
| Brokered deposits | 1.35% | |
| Wholesale funding | 1.35% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.16% (p57 of band) | 10.79% |
| Unrealized securities loss / equity | 1.99% (p50 of band) | 2.02% |
| AOCI / equity | 1.68% (p64 of band) | |
| ROA (annualized) | -0.35% (p4 of band) | 0.86% |
| Net interest margin | 3.66% (p50 of band) | 3.65% |
| Efficiency ratio | 106.84% (p96 of band) | |
| Noncurrent loans | 4.54% (p96 of band) | 0.67% |
| Net charge-offs (annualized) | 0.02% (p59 of band) | |
| Reserve coverage of noncurrent | 57.66% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 3.58% (p25 of band) | |
| Auto loans | $35,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | losing money | reserve under noncurrent |
| 2012-12 | 5 | capital falling, noncurrent p90, reserve under noncurrent, assets shrinking |  |
| 2013-03 | 5 | deposits shrinking | capital falling |
| 2013-06 | 6 | expense ratio p90, charge-offs p90 | deposits shrinking |
| 2013-09 | 7 | deposits shrinking |  |
| 2013-12 | 6 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2014-03 | 4 |  | losing money, charge-offs p90 |
| 2014-06 | 4 | losing money | uninsured deposits leaving |
| 2014-09 | 3 |  | losing money |
| 2014-12 | 2 | losing money | assets shrinking, deposits shrinking |
| 2015-03 | 4 | deposits shrinking, assets shrinking |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 7 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2015-12 | 7 |  |  |
| 2016-03 | 6 |  | charge-offs p90 |
| 2016-06 | 6 |  |  |

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

- 2016-03-06 [Southwest Michigan’s Advia Credit Union plans to acquire Wisconsin bank - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMixAFBVV95cUxQcVNyTVkxMzkxV2pTREk3eU1nNDNNdDdUcFZJYXBsa0RRV0VDbWVxTmpQdkFfRUpGYWlnMXhXQm9FQmdOMFdBMEdna0szeG9JVWI0SkdNcTROd1I2czlDdXU3QUozS1dkZFlsSGw5d0lxdlBsNGVSUHZMNll0Q05odXBUampFV0dJSEpRUE5iZ09kdWVMRVMzc016Y2kwUlFsOGJQaHRmcUV5ZjEyeTdmSHhjb0lXdHFzbmJNSmZrQTRPRGQz?oc=5) · Crain's Grand Rapids
- 2025-07-14 [Love Columbia's savings program provides financial support to individuals in need - Columbia Missourian](https://news.google.com/rss/articles/CBMihwJBVV95cUxQZUx5ckpDaVRPb1FkOGZfNWFDTGhRX1ZYajkyWjMtNmNDX1pwM0QzMGVTeDlZRVQxaE9Ja21jcmd1VkNzenQ3Ync4M1dNRHBRckdjeDVNSGJWaURSQ05SX2l1LURUY2QzUXJoMWI1UmZzOUpLMWdjM1NrOEJBNF91VmJsNlMxZEUwbDFnV3QtUzlPRlBybUJJVnZvSW8yR0xwbDBMX21rV2xiclJNX0U5SUQ0dkRZZzVsWGxkZ0IwTHN0OVdhNGNheW1ybzdxVFMwQm5nZy1ha0ZsenZqY1lDTGRERTlENXQ2SDhpWUtPcHdrVmFXc1pEWmxOWkEtbW1ydS1zc19NOA?oc=5) · Columbia Missourian
- 2024-01-29 [Michigan credit union to buy NorthSide Community Bank - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZnM5dnlscmxCV1Baa0ZGRUtWeWVXV0FOcERHVjR0amlQUVcweWFoRW5UakNqNDB2dmdIUnRNdkZCX3J2Nk0xbWRNbkNjNV93UngtOEIyZ2EtSkJuN3luOVJZOV8yN0M0Z0tZWjlpM0hsWExqd3pHN1lwMGx6eHpkMFNtVW1Sd201YzM3cDlXR0wzVXdKNjcyajJjeW16NGtaWHFVUmYtWDc?oc=5) · Banking Dive
- 2023-09-09 [Marcella J Braski Obituary Sep 9, 2023 - Nimsgern Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBlR3Q5RjktcEZ0NklTUV9GYnk4cFpaSmV1ZU41dERPUnY1WXl5S3FXbmZUdExUeW1hX3VJaEdiMVhoVmgyanoxMjRQSEFydkwtR0M3UGk1MlhWQk43bHlzbmhVY2Y1TUN1M2c?oc=5) · Nimsgern Funeral Home
- 2016-07-06 [Brian Showers - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiS0FVX3lxTE90TTJ0OW9sY0FiVzIzc1l3em5RR2tWSVZvajZVdmJVY1RlMDRrMHR1eUZsWTNxUzd3aXM3SXY4bWVyX0pHVU1VTGwxYw?oc=5) · BizTimes - Milwaukee Business News
- 2017-01-09 [Advia Credit Union to acquire Elkhorn bank - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNnJaTEFHVF9oTlcwWHRRaXMzZ2pISTc5QUphOEdyTi02OW93NDlnVHBDODNFV3M1eVZlNWVqZy1VQWlGblZvWGE3T2xnWmhYZE9KSjFxN0xnRERIeE9CNThnOWRNLWlLMTJfcTc5NlZadVdNazh2Qk9IcHk0VVdpNnBvWHBFcWpMTkdCVlZ0ZTRkUDFkQkxLWHUtcDg3dDFZWnY0RG1zYkNUUQ?oc=5) · Milwaukee Journal Sentinel
- 2011-11-10 [“Wheaton Bandit” May Get Away With Crimes - NBC 5 Chicago](https://news.google.com/rss/articles/CBMic0FVX3lxTE1HcE5LbWE1VXNkM0RkeUJrTEVMQnliSTFHS0NXQk03UmZZU2Q2aGtkZHZFMXF5RDYwU1I3cEVJSjlCczk4clVGRWtkbHNjQi1WZlR4WXVLREdoU2xyWmZXNjRiNjlSZ2NNTE55cUVkdjRvSTjSAXtBVV95cUxQVHc0MlcyT2NHUllIelZoVDE5VlptRFROMTJXN2thak5aNk9QMUZiRzBYTnVBbzk1UTY4WDFxQXBQa3ppYVowa3VDeUpKbEhQZTJXalR5ZWhySXFtTmpBZDlWUEYzTF85MkxRRWFUcFpjb2I1bmpBYVNhUjg?oc=5) · NBC 5 Chicago
- 2003-05-30 [St. Francis Bank absorbed by $5 billion Illinois bank - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1uQS1YSXNpeVVuaEZiNTJPa3NRSWJiZFVMdFpMc3RaaXRJRUkzZDVRM1RPNkFGZHplcVVteEs0Mi1vUFdaMml1TDFRZ3F2MjdsVkJLckYtWmhDNWFGNkUxUGQzeXJIckRvMG9fRzZueGtIZGRsLUYyT1diakRudw?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15183 (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/15.json (key "15183", 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