# BANK OF MCLOUTH
MC LOUTH, KS · FDIC certificate 15363 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $37.8M | |
| Deposits | $34.1M | |
| Loans and leases | $21.8M | |
| Total equity | $3.6M | |
| Loans / deposits | 63.13% (p33 of band) | 71.80% |
| Liquid assets / assets | 39.20% (p64 of band) | |
| Uninsured deposits / deposits | 1.24% (p8 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.63% (p10 of band) | 9.80% |
| Unrealized securities loss / equity | 5.09% (p69 of band) | 2.62% |
| AOCI / equity | 5.47% (p90 of band) | |
| ROA (annualized) | 1.38% (p82 of band) | 0.68% |
| Net interest margin | 3.21% (p18 of band) | 3.84% |
| Efficiency ratio | 50.38% (p7 of band) | |
| Noncurrent loans | 1.57% (p51 of band) | 1.53% |
| Net charge-offs (annualized) | -0.08% (p4 of band) | |
| Reserve coverage of noncurrent | 88.01% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 8.56% (p35 of band) | |
| Auto loans | $2.0M (8.96% of loans; DQ 3.48%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 8 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |

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

- 2024-06-18 [William Edward Bradford Obituary May 3, 2007 - Campanella & Stewart Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE8xanlXRERnT3hTV0p4enNoWG5oYlhPWHZaX3BjcTMzMXZUVmQxY1VYR1JrZTA3SGdVRjdDWjEyaFFvQlJLR0N1V3MzWlNLS3VCLXNTSVJCekhzSEd4Z0g4eA?oc=5) · Campanella &amp; Stewart Funeral Home
- 2022-09-27 [Fern Braksick Obituary (1925 - 2017) - Oskaloosa, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTmZOazQ4UVN1LXhMek9DMlJ5aEVkTkU0T25BYXVOcklFcGZnODBxcHB6c243ZG1ORDAtZ01ncmhoelFzSHZMelVnTGIySjQ2V3hOMzEzNjJvS1cwekhINjBTdGNLbFBhT1dudjh1dC1CU0R3VnBQYzByallvMUF1VGpRc190eWVfblJIOHowZmo1UXlGMzFr?oc=5) · Lawrence Journal-World
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2025-07-02 [McLouth Happenings: July 4 festivities Friday - tonganoxiemirror.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdDBsZ29CQ3BHVXlMT3JiYURIZm9YY21TRFpWek9iTnprbUZnWU4wak9kWUlSMGY2Zmo4SVI0TVJBWWdFMk5odlpLbk5YejBPY21QcTFYamZKWHh4ekhVZHZHeVo3b253MEk4Q3BXWTZqVHI1SFZleWRGMGpNRDB5UlFERTRfM0RBZXliNlNuckl1dmhpRC1OR2U3cEdvRWJVYmk1ZkdB?oc=5) · tonganoxiemirror.com
- 2026-04-29 [Kathleen Laverne "Kathy" Scott Obituary (2026) - McLouth, KS - Barnett Family Funeral Home - Oskaloosa - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNeVIzTFJWdzlfbS1sZXZkY1Yybi1fT3Fqay1OWldXNzFYRURXa1g2cER5cGxlS2NOcVlJSVk1azlGblBZTmVQdWhnbkNpS3lqbmNHeFhsTW5FQ2h0VlVGRGxLeUlLd3FRdVdaU0Y0Z0JxRkUyU0Z2SjBUN09QVE8xTERuUQ?oc=5) · legacy.com
- 2022-03-10 [Wanda Harker Obituary (1936 - 2022) - Oskaloosa, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWkU4RU16d0FEMThwM0ZBc2g0alFxM1dzb3ZMdnBfVFJjUnQtdnRTU3A0M0UxZlR5b1JVaFhIUDUyN01KOXcwdkp6dm5fWEx0THQ4czVLZHFQdnU3aVB3a0I5UkttR0RtRU1nUDY4WFFwYXpqV1h6OVE5YlFSd2dYeFI2eUVQSUFLS08zYnE0ZFJsU2toVVE?oc=5) · Lawrence Journal-World
- 2024-05-08 [GRADUATION 2024: McLouth to send off nearly 40 Saturday - tonganoxiemirror.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQOWEtT3JJNm03OGR3Z3V4eTlTSmNObUdIVS1SbmR2WnhwRXAtWEFxNlpfalhTbzh0bUxBMm5Fa2xSVXpRNW9OQVJxX29velREYmtsTW5GMDZwT1Q4UzFFRnlOU2pwelVPODh6T1Z0T1prOHNGMlRHQklRNkVLMDlwUlRsckdWcFFfQjYtbEVxeVFrLU1xSE5Qcm5TWVFCNEU4XzdyZk1ZR0QyWWhVMVhvMk1NWQ?oc=5) · tonganoxiemirror.com
- 2011-03-08 [Robert Stanley ‘Bob’ Braksick - Lawrence Journal-World](https://news.google.com/rss/articles/CBMiggFBVV95cUxNM3F4TVg2UVhxQ0ltaDhhNm1kZ0FEaGp5bTdFM0dYRWpNSE50bjFCM0NPQTJVMzdFRHdlQ1JoQ1VkUmJsTmhrQm1YZE9XQm1Sb3dTdW9VZi1odm8yMWJrZUZZLVNqYmd3RzNfSnYwVk1BTk1JdUxQOWZfSERoT1hhUGRn?oc=5) · Lawrence Journal-World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15363 (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/3.json (key "15363", 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