# MAUCH CHUNK TRUST CO
JIM THORPE, PA · FDIC certificate 2359 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $642.8M | |
| Deposits | $607.5M | |
| Loans and leases | $297.6M | |
| Total equity | $6.9M | |
| Loans / deposits | 48.20% (p5 of band) | 82.04% |
| Liquid assets / assets | 47.73% (p90 of band) | |
| Uninsured deposits / deposits | 24.04% (p43 of band) | 25.97% |
| Brokered deposits | 6.43% | |
| Wholesale funding | 10.41% (p78 of band) | |
| FHLB advances / assets | 3.81% | |
| Tier 1 leverage | 7.94% (p2 of band) | 10.81% |
| Unrealized securities loss / equity | -680.44% (p0 of band) | -8.10% |
| AOCI / equity | 64.72% (p100 of band) | |
| ROA (annualized) | 0.22% (p6 of band) | 1.28% |
| Net interest margin | 2.78% (p6 of band) | 3.91% |
| Efficiency ratio | 84.48% (p92 of band) | |
| Noncurrent loans | 1.27% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 124.60% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 120.33% (p92 of band) | |
| Auto loans | $191,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling | wholesale funding >15% |
| 2011-12 | 2 | wholesale funding >15% |  |
| 2012-03 | 2 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | wholesale funding >15% |  |
| 2013-06 | 0 |  | reserve under noncurrent, wholesale funding >15% |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | capital falling | reserve under noncurrent |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 3 | brokered >10% |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 1 |  | capital falling, brokered >10% |
| 2015-12 | 2 | brokered >10% |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | brokered >10% |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | wholesale funding >15% |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | wholesale funding >15% |  |
| 2020-06 | 1 | capital falling | wholesale funding >15% |
| 2020-09 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 2 | leverage <7% | charge-offs p90 |
| 2021-06 | 0 |  | capital falling, leverage <7% |
| 2021-09 | 1 | leverage <7% |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 3 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity | leverage <7%, capital falling |
| 2022-06 | 4 | construction >100% equity |  |
| 2022-09 | 0 |  | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |
| 2022-12 | 2 | wholesale funding >15%, leverage <7% |  |
| 2023-03 | 1 |  | wholesale funding >15% |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | wholesale funding >15%, NIM <2.5% | capital falling |
| 2024-06 | 1 |  | leverage <7%, wholesale funding >15% |
| 2024-09 | 3 | securities losses >30% of equity, charge-offs p90 |  |
| 2024-12 | 2 |  | securities losses >30% of equity |
| 2025-03 | 2 | expense ratio p90 | charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | NIM <2.5% |
| 2025-12 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2026-03 | 4 | AOCI drag >20% of equity |  |
| 2026-06 | 4 | deposits shrinking | AOCI drag >20% of equity |

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

- 2025-07-19 [Bank in Jim Thorpe, Pa., train station to close to accommodate tourist traffic - trains.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPOHVuSllabDB2eXJKMTZZUXFadUtJYTRFUWdMR0FUQ2pXcXIyejlmQjNfUWZ1QjdKbHZMSkR0ekhUM0FtOXFTdndmVmVvdGVNNi1SVm1QUTh3Y1RCeHhSUF9WME5VUkE4cjRDZ2pfMkJfQ0FBbXExSnpIaW9lTmF0T2NUZGVrRnFyWVFZX0R3VXhhQTUxTXZNRGhhaW1EMG1TbTVwZU9YLXNCQkpHem5GQVhZV0dFdnlLUXhEV3BTcUE?oc=5) · trains.com
- 2022-11-28 [Protect yourself against cyber threats - Times News Online](https://news.google.com/rss/articles/CBMifkFVX3lxTFBsTjlkaE9PZFBaR25Uc1ZzRGlwT254bUdvWjBqN2hSdmtHcXFZTWhxanpYNWxSUEFYckxjYXBtb0ozdjNRWDJDd1c1SHM2TzZWQ0tKd0U5NlRnSmJnT01qUHZURWwwT3JXakhUbC04Yi1CRnI3RnF2a3BSeFlaQQ?oc=5) · Times News Online
- 2025-08-08 [Beatrice Pandolfo Obituary (2025) - Northampton, PA - Times News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZHNsWERIcVVoaGxoSmRQend3c1JQUmFBQVlzenJHTThlNkRnd2xUa0FnaE55eXoydXIwV1p4UGdiZDJmYjNzMGhScGpnYmx6bVpPSUZ2aE93ODRZQ2l3MjFjbWVxMkp0ZWJtc3FYbUdUM09MNkkzbnFqLWJoYnlNb05WWHNDSTFpdkV2T2c3VnpkXzg?oc=5) · legacy.com
- 2025-07-22 [Business Briefcase: Shenandoah’s downtown outdoor market has deep roots - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMitAFBVV95cUxNTG5LVmNNR0VuWVNzM2VVUjRKOERBdjBheHNWZldZd3pCRkptMUZhc1lEYjV5dFFsbklqNlJDMnFtOGZjZ1pVeDJpM1Z1WFlNZmFCRXl6MHZXN0l6YW9EdVlHeHI1NVhSTHhZR095MW8tcmlGM0JqUHlDMTNWOWlhOHRJMERpcFJJTlptUHRPaVRlZTRPbGlrVWFid1p3N0ZUaEp2MTdsX2tQYkFybmVJR2NGQV8?oc=5) · Pottsville Republican Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2359 (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/55.json (key "2359", 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