# MEDIAPOLIS SAVINGS BANK
MEDIAPOLIS, IA · FDIC certificate 15772 · asset band <$300M · latest filing 2026-06 · live

**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 | $269.9M | |
| Deposits | $225.8M | |
| Loans and leases | $213.6M | |
| Total equity | $27.6M | |
| Loans / deposits | 93.64% (p85 of band) | 73.59% |
| Liquid assets / assets | 16.88% (p15 of band) | |
| Uninsured deposits / deposits | 24.98% (p68 of band) | 19.81% |
| Brokered deposits | 0.63% | |
| Wholesale funding | 6.26% (p76 of band) | |
| FHLB advances / assets | 4.82% | |
| Tier 1 leverage | 10.20% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -5.51% (p55 of band) | -6.57% |
| AOCI / equity | 0.55% (p95 of band) | |
| ROA (annualized) | 1.53% (p69 of band) | 1.17% |
| Net interest margin | 3.77% (p41 of band) | 3.93% |
| Efficiency ratio | 56.72% (p27 of band) | |
| Noncurrent loans | 0.39% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 258.74% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 10.03% (p38 of band) | |
| Auto loans | $4.4M (2.04% of loans; DQ 0.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2016-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2017-03 | 3 | uninsured deposits leaving | wholesale funding >15% |
| 2017-06 | 4 | wholesale funding >15% |  |
| 2017-09 | 3 |  | wholesale funding >15% |
| 2017-12 | 2 | wholesale funding >15% | reserve under noncurrent, uninsured deposits leaving |
| 2018-03 | 3 | reserve under noncurrent |  |
| 2018-06 | 3 | noncurrent p90 | wholesale funding >15% |
| 2018-09 | 4 | wholesale funding >15% |  |
| 2018-12 | 1 |  | reserve under noncurrent, noncurrent p90, wholesale funding >15% |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | reserve under noncurrent | loans exceed deposits |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 1 | charge-offs p90 |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | reserve under noncurrent |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | reserve under noncurrent, securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-08-18 [Obituary for Thomas F. Schulte - sandhfuneralservice.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFA3WkM4RU1Cd2g1UGRJdzBjMmx3eDVyY2JJR1E4cndLbmtVTDIzRmtpVTI0RDJaWEd5N0xrS0R4dzFHUGdxV2dlQzhEYWhWMEFNWGpWM3E1ZkNyek9WWUN3c0x1UE1LdWExeTRn?oc=5) · sandhfuneralservice.com
- 2026-06-15 [Financial stress building on farms - iowafarmbureau.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFAydHl2Xy10cXJ0dVpGVGdxTGNJZG1uLWFXeU1jQnQ1TlZkcldPQjdic2YxaDR2Rm9jV2RscTMxcHpOd1FSbno1dDZwWWl3eHlZQVF3MFFqUWoyMWpDQWotQ3RxVTllQjFwR3pPellJUkgzTEN5cnpCOGFIUzRTdw?oc=5) · iowafarmbureau.com
- 2024-01-18 [Obituary for Raymond Theodore Abel - Prugh Funeral Service](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5EX3pMdHp3TkNFNlRuNFdWN3NON0xHN0ZwSXAxNEZTUjNtVHo2TDYyV05XY1JaTUxZVTZMTDVHR2tQZExkTkJQaHl1TW9ZRVZuVmlwTVl0M3dJZFY2UnJj?oc=5) · Prugh Funeral Service
- 2023-07-20 [The List Of First 35 Approved FedNow Providers - Crowdfund Insider](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdmVoN0lEbkwtcmlfMjEydDFNSVdlRFRiRmtXV0pnU2poTmM0TUo1MFZtU3JQWWRNUkdwcHhhbW12NVA5d2xBT3Y2aURlUGZZZWI3dXpOM2VRMTBxR1I5WXQ2WUFzcjRsSjRoYVlpLTB3eE1sbTlWTHlzV2JkdGprbGUyRU92QWNsZDVFTDBSWWJyUG1vOGg4OUtnNA?oc=5) · Crowdfund Insider
- 2023-11-07 [Obituary for Barbara (Cline) Schnicker - sandhfuneralservice.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1pSWs3bDhFWS1kalV5UmxtZFFteDJ4d0c0VTNDbzhYb2pibTlRZ2N4X0FQOVlTTkVDcWx6aHB2WkhCTUNWRWE1T3psUmJfcDRxV1pjVnIxdGwtMmxwU3BlWmxralN5YzEtajhZTDhFMA?oc=5) · sandhfuneralservice.com
- 2022-04-05 [Obituary for Margaret "Peggy" (Hutchcroft) Daedlow - sandhfuneralservice.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFBuSkR3RUg5dEJpd1BDd3VIMGJBTWM3eWdKeXN1NDNfNW4zN21MRjFFRDFUZjJjRm0wWEVLLXRkcDVyR0xmSWFSbTcxaGdnYW94X0g2WFBRWUtFNU9QNFdFWkZ5cWhvaVZCWXFaZzNOMFZ6T2FS?oc=5) · sandhfuneralservice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15772 (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/28.json (key "15772", 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