# MINERS EXCHANGE BANK
COEBURN, VA · FDIC certificate 23989 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $93.5M | |
| Deposits | $81.0M | |
| Loans and leases | $56.8M | |
| Total equity | $10.8M | |
| Loans / deposits | 69.31% (p43 of band) | 73.59% |
| Liquid assets / assets | 34.14% (p54 of band) | |
| Uninsured deposits / deposits | 9.05% (p11 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.40% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -11.00% (p38 of band) | -6.57% |
| AOCI / equity | -0.51% (p44 of band) | |
| ROA (annualized) | -0.51% (p4 of band) | 1.17% |
| Net interest margin | 5.06% (p91 of band) | 3.93% |
| Efficiency ratio | 107.75% (p96 of band) | |
| Noncurrent loans | 3.16% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.15% (p90 of band) | |
| Reserve coverage of noncurrent | 34.19% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 17.16% (p49 of band) | |
| Auto loans | $2.0M (3.59% of loans; DQ 9.18%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **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`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 0 |  | leverage <7%, deposits shrinking, assets shrinking |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 4 | reserve under noncurrent |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2016-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-06 | 5 | noncurrent p90 | charge-offs p90 |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 |  | noncurrent p90 |
| 2018-03 | 6 | noncurrent p90, charge-offs p90 |  |
| 2018-06 | 4 |  | assets shrinking, noncurrent p90 |
| 2018-09 | 5 | expense ratio p90, assets shrinking | reserve under noncurrent |
| 2018-12 | 4 |  | charge-offs p90 |
| 2019-03 | 0 |  | deposits shrinking, uninsured deposits leaving, expense ratio p90, assets shrinking |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 2 | expense ratio p90 |  |
| 2019-12 | 3 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2020-03 | 3 | assets shrinking | expense ratio p90 |
| 2020-06 | 1 |  | deposits shrinking, assets shrinking |
| 2020-09 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2020-12 | 0 |  | uninsured deposits leaving, capital falling, deposits shrinking, assets shrinking |
| 2021-03 | 3 | expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2021-06 | 3 | capital falling | reserve under noncurrent |
| 2021-09 | 2 |  | expense ratio p90 |
| 2021-12 | 2 | reserve under noncurrent | charge-offs p90 |
| 2022-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2022-06 | 1 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2022-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 |  |
| 2022-12 | 3 |  | reserve under noncurrent, losing money |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 |
| 2023-06 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2023-12 | 2 |  | securities losses >30% of equity, assets shrinking |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | uninsured deposits leaving |
| 2025-03 | 3 | capital falling, expense ratio p90 |  |
| 2025-06 | 1 |  | capital falling, expense ratio p90 |
| 2025-09 | 2 | expense ratio p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | capital falling, noncurrent p90, charge-offs p90 | expense ratio p90 |
| 2026-06 | 6 | losing money, expense ratio p90 |  |

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

- 2025-07-07 [Investing in people: Don Green touts the ‘keys to success’ - Cardinal News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdHdBaldyTlIxVWZKMWlMbFJyWFVYR1dkX0ltdkQxaU8yQ3QxaEhsY3NDX2Vvb0g0X094cFN5cks3cGtubTZWYmM4ZlFqV0tiVGh5blJ5cHN5Ylk4ZVBpUlE3MGd4TW85MUlfckxNQUQ3TWJpejU2bkllWlZnR2ExZm0waEZFQkNYSWJvOVBSQkJOd29iLS1Z?oc=5) · Cardinal News
- 2022-12-21 [Two face federal meth trafficking charges out of Wise County - Mountain Top Media](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMEZhVVBKeHdlckdGbFo0MFdtWExaQmdhcjVaRmVRVUJXYnVDcklhSVh2Z1FFVFZSeVlfUzgzRlBFRTJ2cVExcWZOOEFycmZYbmpkN05XUHNocENnYVRoTGNFRkxaa3VGanl5ZEFIdUhQQTM2NmhxWU5sYTdOMmg2NTZCNXNiWlVLNUJjdTdCSkVkeEVKTnc?oc=5) · Mountain Top Media
- 2017-01-24 [Rish Equipment Co. - WV News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPV3h0Y3htVTducDJlSzBQWS00RGVzWkJud01Cc3lJazJlWktOd1EzTXhWR2oyTDVkM2Vmc0N3SDBVQ1k5N3pXdWhyVlllTW5kdUpPYVAzMUNJYUFwbm9taU9jRmlXWHNJVFZKM2w4ZTVFVnpoWHpfbmtrRFhrTnlCNXh3VXZzQlg4Z01VUVY0Ym5pM1A5NnNUWHNadWRDYUVERmpRN2ZVREI3Smwx?oc=5) · WV News
- 2012-06-12 [Rish Equipment Team Building ’Support Driven’ Culture : CEG - Construction Equipment Guide](https://news.google.com/rss/articles/CBMiogFBVV95cUxObGJxWWt2QWJQWFF2ZWVsX1prLXhpNzNpVjFqWmRGUkZEZHNHb1JCdXd5dVRQaWlrVHplMEN2aXpHc01LcWdkTklFak5rNFM4RkRUZ1MzRGdlOXc4WldSLTFSMlNLcTZBbjhXV0U4ZmtzUXFWUXJFTFJyLWRiaFVVUmozRHpINGFrSS1LT1hIYVZDV053ckxMa1JLbkRjWTdrWWc?oc=5) · Construction Equipment Guide

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23989 (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/53.json (key "23989", 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