# MAINLINE NATIONAL BANK
PORTAGE, PA · FDIC certificate 16171 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $235.4M | |
| Deposits | $206.7M | |
| Loans and leases | $133.7M | |
| Total equity | $21.2M | |
| Loans / deposits | 63.71% (p37 of band) | 70.28% |
| Liquid assets / assets | 37.90% (p59 of band) | |
| Uninsured deposits / deposits | 9.11% (p55 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.55% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.16% (p36 of band) | 9.92% |
| Unrealized securities loss / equity | -16.89% (p2 of band) | 3.23% |
| AOCI / equity | 7.49% (p90 of band) | |
| ROA (annualized) | 0.17% (p22 of band) | 0.69% |
| Net interest margin | 3.20% (p17 of band) | 3.86% |
| Efficiency ratio | 84.72% (p73 of band) | |
| Noncurrent loans | 1.55% (p53 of band) | 1.38% |
| Net charge-offs (annualized) | 0.17% (p53 of band) | |
| Reserve coverage of noncurrent | 96.82% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 12.65% (p43 of band) | |
| Auto loans | $14.5M (10.87% of loans; DQ 0.41%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 72 | |

## 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 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |

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

- 2017-10-31 [S&T Bancorp, Inc. Completes Integration of Mainline National Bank - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxPakdMM1Fubkhjd0VIWkNqQnppZElQOEdOcDZTckJPLWZNZGtoNDNscl9ib0dLWWRVa0pmd010TTJ1c2ZHdnBLTExQZC03MDc5U1dVSTN4MXQtcFMxYlZkYnhfYzZ1ME5yVG5HTzlIR2VZc1Z3UmNueVJvNlU0cXUwZXI4Ymg2eEgxaDBXTGdUZlZRWXFzcUxaREN4UVYtZnI5ZzZnQ0JhMDFFTllRMW9LUXc1b1M5TVhpY3c?oc=5) · PR Newswire
- 2026-03-18 [William J. Hoyne, Jr. obituary - The Stevens Mortuary](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUDJVcjF4blJya3hkalMxUE5xcS1CT2g2RURZdmxuQzVfMWhJY1FIX29BdUZyOFFILWI2dTdwV1Z1TzlxRUtEb3FyR1g4cUtzODZFaUxkaHNyYlBlb2VscWhiUFVacjVtTUV4eDhOa0VVa3R2R2ZxZnlYVHY1SV8zVTBEUjNlNUdwc0xQbW5xMXJsMGIwTHdRVjVRNA?oc=5) · The Stevens Mortuary
- 2011-09-14 [S&T Bancorp, Inc. and Mainline Bancorp, Inc. to Merge - PR Newswire](https://news.google.com/rss/articles/CBMipwFBVV95cUxONVBGcG1nYnM4NkFOd2ZybkZmNXpBRHpmQWdYRHBCaEdfOHVYaXlTdERVSnlTd0JQMENBRHRGTlpIQlRjblBMUlFnblhUVGVpSzRMMXFPOWdsZGRwSDBpWTRrLTk2UTROTzE5bW80X2tGd2gxTnIzbTRDcEs1NWFOalllMTN1RXJuZDhTZ0lhOXhzeHA0WWgzbkF5Uk5oblEzLWVyZGNBWQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16171 (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/43.json (key "16171", 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