# BANK OF MINDEN
MINDENMINES, MO · FDIC certificate 19954 · asset band <$300M · latest filing 2019-06 · 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 | $31.5M | |
| Deposits | $28.4M | |
| Loans and leases | $24.2M | |
| Total equity | $2.8M | |
| Loans / deposits | 83.83% (p62 of band) | 77.89% |
| Liquid assets / assets | 20.94% (p28 of band) | |
| Uninsured deposits / deposits | 9.88% (p25 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.63% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.16% (p4 of band) | 11.44% |
| Unrealized securities loss / equity | 0.43% (p46 of band) | 0.54% |
| AOCI / equity | 0.82% (p31 of band) | |
| ROA (annualized) | 1.56% (p80 of band) | 1.03% |
| Net interest margin | 4.29% (p76 of band) | 3.82% |
| Efficiency ratio | 61.39% (p28 of band) | |
| Noncurrent loans | 0.04% (p21 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 3790.00% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $189,000 (0.78% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.7% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | uninsured deposits leaving | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | deposits shrinking, assets shrinking |  |
| 2015-03 | 2 |  | assets shrinking |
| 2015-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |

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

- 2024-05-21 [Wilcox Receives Milestone Award for 50 Years of Service | Local News - themindencourier.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOc1VoWm9ZRHpTUHNIaGV5Z2Fnd0Qwa3h2anhSTVNjX2VMN2ZwUzRJWm1tTU9xMmxma19ZdDVITXBkekJuazREVldEYjJNb3AyYXpyTWxJamk5aUNiVHgyQml4ZHdqdnVBdVJkWDZrRTF2NlZyUGVSdlNhV3RweFg0RFV5MTlmcmdVX1JqQjVTWVFLam81eDBLaUxUSWpXeTd6eVh5X3c3MHBjNGU2RHo1Mmp4d3hIQmFveGhwUHBQQVJqTXVtdWI4RGNoWHgtc1pUY1Z2ci1FVXNqVnVxeUl1OWtzRQ?oc=5) · themindencourier.com
- 2024-10-29 [Obituary for Shirley Jean (Rose) Wilbert - Brenner Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9YV0FRRTVaWVkwZmFQREtham1ZbjRYZU9Pb0paSVhRbE5Mdi1hOEhkaWs3YWVZQ05vZUJJWjVkeEd4NHI1ZnFFdW1taHBVaVRFTzRNeWhxb1I0N2VLU0RWR2JqZTNjdlE?oc=5) · Brenner Mortuary
- 2024-10-07 [Obituary for Howard Chester (Thompson) Thompson - Brenner Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE40SElhaDFlUnZmRFREcmM4dzVVM3dmRzJLcGZCMVMyUF9Zb1QyRTBMQVpfTEhQMjBqelZyQWMzd3RPclB5dkZEZFI4QzNaSWdmN1k1Z21EMDR2NFJGQk9WSnp3ZDMtRms?oc=5) · Brenner Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19954 (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/50.json (key "19954", 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