# BLOOMBANK
BLOOMFIELD, IN · FDIC certificate 15714 · asset band $300M-1B · latest filing 2017-12 · 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 | $387.8M | |
| Deposits | $316.4M | |
| Loans and leases | $261.8M | |
| Total equity | $45.0M | |
| Loans / deposits | 81.69% (p43 of band) | 85.15% |
| Liquid assets / assets | 27.28% (p62 of band) | |
| Uninsured deposits / deposits | 17.29% (p33 of band) | 21.69% |
| Brokered deposits | 3.86% | |
| Wholesale funding | 10.53% (p67 of band) | |
| FHLB advances / assets | 6.67% | |
| Tier 1 leverage | 11.03% (p67 of band) | 10.22% |
| Unrealized securities loss / equity | -0.66% (p48 of band) | -0.60% |
| AOCI / equity | 1.49% (p88 of band) | |
| ROA (annualized) | 0.89% (p49 of band) | 0.90% |
| Net interest margin | 4.09% (p76 of band) | 3.66% |
| Efficiency ratio | 76.82% (p81 of band) | |
| Noncurrent loans | 0.47% (p45 of band) | 0.54% |
| Net charge-offs (annualized) | 0.09% (p73 of band) | |
| Reserve coverage of noncurrent | 273.09% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 74.49% (p77 of band) | |
| Auto loans | $1.6M (0.62% of loans; DQ 1.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 120 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, losing money, charge-offs p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 | reserve under noncurrent | losing money, capital falling |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 | expense ratio p90 | wholesale funding >15%, charge-offs p90 |
| 2012-09 | 3 | charge-offs p90 |  |
| 2012-12 | 4 | assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2013-03 | 1 |  | expense ratio p90, assets shrinking, uninsured deposits leaving |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 1 | charge-offs p90 | reserve under noncurrent, deposits shrinking |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking |  |
| 2014-12 | 0 |  | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | charge-offs p90 | capital falling |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |

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

- 2017-10-05 [MutualFirst Financial, Inc. and Universal Bancorp Announce Merger Agreement - Muncie Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE11RkljWFFwc3pnWFRkazVaQ0lmT1FWa08wOWdSR3JZcTZaVmdVZ2I5S2VCOWs2dTQ5UndqbmFvOVVLbkw3VWNzYS1FdWQ5SW1Mcm5oc0t5eGp1aVFPSGo0TG5GVkJHaTJxcmpYZVFPUVFIYV96ZTR6Z2tqVQ?oc=5) · Muncie Journal
- 2017-10-04 [MutualFirst to Acquire BloomBank Parent - Inside INdiana Business](https://news.google.com/rss/articles/CBMijwFBVV95cUxPOHByZkpqc3ZNekVrd1p2WFVKSlRzOUo3WWIzbTFPd2JjdS1RaVg5cE1BdXUyWER1cHdqVG91SlRFSVhaUjBnMTE3a1p4Q19UZDQtem5RUG95VlV2LVMzaXVsOW1BNGJEVHMtLUlfcW42SUcxUnQ3S3dhV3Q2YUZwVmtTTU5GSGxuSl9LWlV2dw?oc=5) · Inside INdiana Business
- 2018-07-31 [ATTN: David Michael Dickey Revocable Trust, beneficiaries, occupants at 1824 Treetop Lane: Suit summoms to foreclose mortgage - Brown County Democrat](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQbjMwV1doclRZRDFzeWVaQzBuYUxiS1FKdXVXLUhUYkx3Sm1fMGxuclB6RTdnR3g5RVRIQnBJbGFRM1dRMTNuWkg0b3l1cEZmYXpFRE81YVdjQktxbDJncWNKV3hqUUw2TWVzSHlxSnVEWEVwa0JheTJqRHctemdqRjRiWS1nQ1hkR0d3dE1lcnJqTlZILS1kTnZWdUNKcWFwWktweHJuRW9Db2txeW5DU1l0YkFWbklTSFdBZHNFZWdFQVR0cDlZRDRJSTBNNUlCbWRDcFJrRk41ZWpDWmdQQ0xjcVRuWlRVQkdfd01SVQ?oc=5) · Brown County Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15714 (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/34.json (key "15714", 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