# MID CITY BANK INC
OMAHA, NE · FDIC certificate 19397 · asset band <$300M · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $106.1M | |
| Deposits | $105.5M | |
| Loans and leases | $53.9M | |
| Total equity | $298,000 | |
| Loans / deposits | 46.38% (p13 of band) | 71.39% |
| Liquid assets / assets | 44.27% (p72 of band) | |
| Uninsured deposits / deposits | 2.50% (p14 of band) | 8.02% |
| Brokered deposits | 0.35% | |
| Wholesale funding | 0.35% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | -0.38% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | 245.97% (p99 of band) | 3.72% |
| AOCI / equity | 417.79% (p100 of band) | |
| ROA (annualized) | -6.61% (p0 of band) | 0.72% |
| Net interest margin | 3.79% (p46 of band) | 3.86% |
| Efficiency ratio | 529.05% (p100 of band) | |
| Noncurrent loans | 10.25% (p96 of band) | 1.48% |
| Net charge-offs (annualized) | 12.05% (p100 of band) | |
| Reserve coverage of noncurrent | 89.97% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 140.94% (p97 of band) | |
| Auto loans | $225,000 (0.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 38 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 |  | expense ratio p90 |
| 2011-09 | 10 | capital falling, expense ratio p90, construction >100% equity |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2020-02-15 [NDBF Closes Ericson State Bank, Ericson, Nebraska - knlvradio.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSURwa2wwTmxKTGdtcU01ZUdaS1hrVnYyWTdBU2hBX2RaT1RDNFpZQlJnNHJycUlnQTNGNFY0OE5fVWtHcThEd0MyVTRlVGJLdk4ya2xXVFNNVkx4OU5CMkY2S21iZWZOWnhLbmhKcE9oclUxazNTanE3ekxhVnJWbHI5U2VKSGdxWGZSLS1B?oc=5) · knlvradio.com
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19397 (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/5.json (key "19397", 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