# MONITOR BANK
BIG PRAIRIE, OH · FDIC certificate 16921 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $39.4M | |
| Deposits | $33.4M | |
| Loans and leases | $21.5M | |
| Total equity | $6.0M | |
| Loans / deposits | 63.73% (p31 of band) | 75.51% |
| Liquid assets / assets | 45.07% (p74 of band) | |
| Uninsured deposits / deposits | 12.01% (p38 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.46% (p83 of band) | 10.91% |
| Unrealized securities loss / equity | 0.00% (p42 of band) | 0.10% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.87% (p50 of band) | 0.87% |
| Net interest margin | 3.44% (p36 of band) | 3.67% |
| Efficiency ratio | 60.29% (p22 of band) | |
| Noncurrent loans | 1.68% (p78 of band) | 0.61% |
| Net charge-offs (annualized) | 0.20% (p89 of band) | |
| Reserve coverage of noncurrent | 54.17% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 0.18% (p15 of band) | |
| Auto loans | $278,000 (1.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16921 (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/25.json (key "16921", 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