# MISSISSIPPI RIVER BANK
BELLE CHASSE, LA · FDIC certificate 23222 · asset band <$300M · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $119.0M | |
| Deposits | $98.9M | |
| Loans and leases | $24.4M | |
| Total equity | $19.9M | |
| Loans / deposits | 24.29% (p6 of band) | 70.19% |
| Liquid assets / assets | 78.72% (p96 of band) | |
| Uninsured deposits / deposits | 37.98% (p92 of band) | 18.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.13% (p86 of band) | 11.30% |
| Unrealized securities loss / equity | -1.31% (p84 of band) | -16.70% |
| AOCI / equity | 0.25% (p90 of band) | |
| ROA (annualized) | 3.13% (p96 of band) | 0.87% |
| Net interest margin | 6.47% (p98 of band) | 3.46% |
| Efficiency ratio | 52.26% (p13 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.25% |
| Net charge-offs (annualized) | 0.01% (p77 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 73% | |
| Construction % of loans | 33.57% (p64 of band) | |
| Auto loans | $67,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.7% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | assets shrinking |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | assets shrinking, deposits shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 | assets shrinking |  |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 | deposits shrinking | noncurrent p90, reserve under noncurrent |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 0 |  | deposits shrinking, assets shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2019-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2019-09 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2019-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 3 |  | assets shrinking |
| 2020-06 | 2 |  | deposits shrinking |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |

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

- 2026-04-07 [Fire destroys home on Mississippi River batture near Carrollton Bend, damages another - NOLA.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZHduRWpWUHZfLU1NMVFzS0dFMldCaWx4SFZaTHNCUFYxcmVQWndzb0FGNjVFRW53a0pRUG13U2tOdXh4bV9YN2M5WnowTG5GcTQ2Zll5cEhRYWFVNTlJdjBDeGxacTc0MEZQVjdxdVJ6YzhIN0RTWlZma3JUQWlkUTU0ZXhqX1FSZjNDVlBSUHZOQlUzNjJGLURycHRiWUtOUW1RNHFWMXJrV3ky0gGyAUFVX3lxTE9NUkl5WWU5UFZ5cnFZWV9La0NiMS1BdGZBWUxWMU1rVDgzUW5JZXNWNDJoOGJ0Y0ZRRlB4ZHJhR25wbXVMRE94TXI4M0w0c2ZKZE5XWUQ1dGpLTFZzS2dXanNNZzQzTnNWNm1QUm5uOVJBWlQ5Z0dXMndKVEZ1SVFLNEktbTVQY0xMeWZ2cFJvOVF6S3ViMHVNQU51TGk1aFJBeWNhUk9pTkdOQlFiUURfSkE?oc=5) · NOLA.com
- 2024-04-11 [Merchants & Marine Bancorp, Inc. Completes Acquisition of Mississippi River Bank - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxPeGZPcC1vUkE5YldhU19nYVJNdm1FLTVNMl9hOUItdER0YUZRT01zMldhTjN6anpWeUEtZGNvUVVQbUFqQUswZmM4M2lMZmZxVmlnVTF0eHh6bDI4X1NFZHRUc2U2SWg3Z2lreWxWYmRDRldWVDdISlZpRFMxRW5QX2ZjWXFTb0ZORGFvNFV5aFRUM2tCWHZ4NTBQMGpMT2VoeFRKTU5qZ0REOXZpWXdpbTZzTzBkNEl6YmVkQjRyVm1QaFIzU1hYdU9PSkxadFU?oc=5) · Business Wire
- 2019-01-08 [River Road Financial Corporation and Mississippi River Bank Announce Strategic Acquisition and Expansion in New Orleans - Biz New Orleans](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNT19TMGlVYUx4ZEs5VlVobmdIYUxrVlhKSklUUkw3OFFIXy1hZWg1MHdyNVg5WjJzUFRfR3Z5ZWREa0JVcXhEbVZQZFlBREcydERIajNZTE9VOEhkN3EzSEZzU3dFdTJvUnAxT1dBRUpvaEpUbmhOWmwxUkF6aUdNd2psZURKOWRXM2F5TGhzV2V3R3hINjc4RFVUbWJsaEtrMXRiRWVpWDJZVk50Uy10Q3pxaW8zSVhHV184eTJlNDJBLXhYZU1NZUJCWC1yN2dtdW9DcW13TkVveW1UZUFR?oc=5) · Biz New Orleans
- 2022-10-18 [Shipwreck emerges along Mississippi River bank as water level drops - NBC News](https://news.google.com/rss/articles/CBMimwFBVV95cUxObl80dXpLYmdRQzM3NGhhSjItVFBoRkdrSmMyMk5sVzktVFNLUnpGcW1FTUhzcjZGaEd1UXFZdngzeUREUVhRempqOGZlVmdvNU1UZzVtaTBhUEowNk1tc3hVUlFKd2I5X2Q5SDB2MWhySGlxQzNWTzdjTG5vUG1xb3RGWTJ5OWQ1bHQyUWg4NFBZYnE3N29kNUNENA?oc=5) · NBC News
- 2016-01-20 [Debris field on Mississippi River bank [Image 1 of 5] - DVIDS](https://news.google.com/rss/articles/CBMif0FVX3lxTFBFSUFnc3RXZFZUOW5lQkI2dzRtR2txNnoybnoyUWRkdE40Sml0WW9CMG9NdVpYLXYta3JHLWFZOHRrc09sOUdmeU53dGJtTm5wcllpN3RVSzh1Ml81TXQ1QXpvRmIxUFZzZjVUWjI5c1pFdjFVNThMM1U1b0tPbms?oc=5) · DVIDS
- 2023-09-20 [Merchants & Marine Bancorp, Inc., to acquire Mississippi River Bank - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxPSXZoTG1COFBGNGlMSVBRRUF2S3loTndWUnRzRjcyUDkwY1VVbXdsRFhkX0pjN2VETV9COE16VEc2LU9vblZzWXhiYWllQ1lnMXlBbDRaVE1iTER3LUFjeUZfMUxaeXVoYU9oNzRVbXlTM0tGQnlEY2xLYTY2MGxsR2xjWjdlMkFFYTgtd0tncWYzN3BYUjVTMUR1YUgxU1ZpSW5xZTlQV0p6STZSWnV6ZzJrRmJCMFJfOE1mZQ?oc=5) · Business Wire
- 2020-08-28 [Pollution Scientist Calls Plastic Pellet Spill in the Mississippi River 'a Nurdle Apocalypse' - DeSmog](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSHh1c1pEZmVZZExlYlMtSzdjb1ZhQ3BuYnZ3NjhUN1NpWlBBWXRtSFdSUlAzcTJIcWFmZG1NWjVBbWEwR3ZVZkEwMXZveFZZRU9Kcnl3a3FBVzNnLWczT2o1T191NGJqclptSnNVd2U5MHp6QmI2NDhKbHlmV2h5SHVPeTVvbzNZejFCdE8wZmJOcXpCcUpwcHlZdmNidFBIX25aYjQ2YlJhUQ?oc=5) · DeSmog
- 2025-10-29 [This Acadiana bank is being acquired in an all-cash deal. See details. - The Advocate](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPZ3A4VGtpZ2ZuMzRzUnJlTjBDajRQRzl3bi1WNGxkSmNUQmFOemNpcWs0S280UENuT0lyRHpXWlVKYUFTVFU1eDlxMm4ydG1VX281LTh5OWszbTI2Z1VmVERtU2phUnpyODRGWnd6VTY3VDYxTzRIOTRxQXFJUFRFcTNMSC1IOWExVll1a3JSWkZaejFLdzBOYUlaZndHREJaU0IyR3RBSmlta1kwUGFrZ2dWTTI3Q3BLRE93WDNkY2c0U05qTlhmZGJIMFdxbDhEMk1kcDlzdHBpZw?oc=5) · The Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23222 (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/54.json (key "23222", 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