# MEADE COUNTY BANK
BRANDENBURG, KY · FDIC certificate 25173 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $458.4M | |
| Deposits | $384.4M | |
| Loans and leases | $387.7M | |
| Total equity | $37.0M | |
| Loans / deposits | 100.54% (p89 of band) | 82.04% |
| Liquid assets / assets | 11.26% (p7 of band) | |
| Uninsured deposits / deposits | 24.67% (p45 of band) | 25.97% |
| Brokered deposits | 7.20% | |
| Wholesale funding | 14.51% (p86 of band) | |
| FHLB advances / assets | 7.31% | |
| Tier 1 leverage | 8.84% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -20.05% (p23 of band) | -8.10% |
| AOCI / equity | -0.16% (p62 of band) | |
| ROA (annualized) | 1.15% (p42 of band) | 1.28% |
| Net interest margin | 3.48% (p27 of band) | 3.91% |
| Efficiency ratio | 57.16% (p37 of band) | |
| Noncurrent loans | 0.19% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 170.71% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 190.23% (p99 of band) | |
| Auto loans | $6.3M (1.63% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)

## 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 | 0 |  |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2016-09 | 3 | assets shrinking |  |
| 2016-12 | 3 | wholesale funding >15% | assets shrinking |
| 2017-03 | 2 |  | wholesale funding >15% |
| 2017-06 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2017-09 | 1 | construction >100% equity | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2018-06 | 2 |  | wholesale funding >15%, capital falling |
| 2018-09 | 3 | wholesale funding >15% |  |
| 2018-12 | 5 | capital falling, reserve under noncurrent |  |
| 2019-03 | 4 |  | uninsured deposits leaving |
| 2019-06 | 3 |  | wholesale funding >15% |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2023-03 | 5 |  | AOCI drag >20% of equity |
| 2023-06 | 4 |  | wholesale funding >15% |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 2 |  | loans exceed deposits |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | loans exceed deposits |  |

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

- 2019-06-06 [UK LEADS Scholarship Recipients Thank Their Donors - UKNow](https://news.google.com/rss/articles/CBMingFBVV95cUxOQThDZXd6SWJDdm9rbm9GQTBaT1cyQTRLRWxMZDhWWVhTa09Nekh6UlA0RG9YSDFuQ09VS25RVDVMcGt3aUNrZjRnRVdjSU9ZN1h6OTJrVmZTclZKZEZsOG9KQk52TUJwUXV6amZuQnhibXljUzItdlF6ZURFaWlmbVdvYnp0c1gzLWd1dmtOR09vMzNQMmpHQlN0S1B2dw?oc=5) · UKNow
- 2026-03-17 [Tornado carves 44-mile path across 3 Kentucky counties - Spectrum News](https://news.google.com/rss/articles/CBMigwFBVV95cUxQT1NHeFVpZ0dWNldqWVZ3VzNSSElSaEdWV3FlUXpQYndMWmF1c1pDQVVBQ3NSN1BMWGUxTGQ5Tk04MkhoS2J2Z2NLNlBwSEgxUGppaDNOeDBXcUJYQ05FaFFGQ2ZvUkE4ZW5JaGxQNWxXSTlfWnpvMk9YelRuQWRQNVVLSQ?oc=5) · Spectrum News
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Kentucky - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQV2M1bzdWblItV3k2bzZHSnJabGkzR2owMHpRd1ZZNVY0MERhbnl6c3RPMTM1MnF0cEVneUlOS1V5NTE5TWg1R24yN29iY1p0dkV0dUQzNjk3Mml5Z2l4YzNsSkxibTIzTUZuSGVxMTdUQWhoRE5DWTI1ZTFJakQyZkMzOXN3bmduTGlMUm95aw?oc=5) · Newsweek Rankings
- 2022-09-13 [Joseph Tobin Obituary (2013) - Brandenburg, KY - The News-Enterprise - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaUJLTVdORnJ1MVcxV21Ia1QtUUxrMjZRWUVRMjNodjNiQ1F0SmNOclBrMWN3TU40SFl5Sk1MYllDQWw0cVRicHRFZ05IdlZhUHFwVFg4TkNKUktjajRsS2NQejJDTUVLZnhMYlQzUGFHSldwVUF0azRwMEp6V0JNaEZOTlBJZ0M0N0xFSElvd2J2aThhcHdiTw?oc=5) · legacy.com
- 2008-12-11 [Meade County EMS worker discovers daughter is victim of deadly accident - WDRB](https://news.google.com/rss/articles/CBMirAFBVV95cUxPaHQ0Q1JxT2dYRjBCM1VIcFNnbFo4WmtRQjF1VVBmemkzdkE1Y2pXdjUwTlFVQUIyU2M5czdnZk5BSzFGbzdSSWFLQU1ZMzdEVnp5M3ZYa1pmMkN5TEJKV2hYSzFuMGF1QUgtRjdIanlEajJua25WWTdmN0hnSDZ1aGlmR0NyVzNNMmdmOVhvTjNja0ZKcHZlRzZ1TzcyUDhBbTFBb3BXdXV2alZx0gG_AUFVX3lxTE9VazU2MlFOdlQ0dnZjbV9GUDd5QS1RdzlaNzE1ajFjYWFSZ1VVbVRYRkMweGRjT0Jfdk1zUTZvLV8tdmIxZWlzQk1aODFncHJEM0NrYTl1c20wOXZGemwxcHZtMk0yc2xTZGJTM2NQWGRGUTlXZ2tLX2xGSXc2RUQzcHg1N3lMREhzbUd1RkJHUGNQUmhUeTNpamtZSDF2eWExRjMwWWFQa0lETnVCbTZ6a0xVeVpjQ0ppaHZheldN?oc=5) · WDRB
- 2023-12-31 [Kenneth Patrick Heavrin, Sr. - The Courier-Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTE94Ul9XaUZ3WnpNWUZzVlBFUElJQW9NcmVPakdiN2JfUjIxak9yLURpNDZJcGdvRFotYkV5R0RUTDZxUFVlc09FMVRUckpDWHRLRlVhbDFac1ctb0lxcnhhTkVB?oc=5) · The Courier-Journal
- 2008-12-13 [Chelsea Stinnett Obituary (2008) - Brandenburg, KY, KY - Courier-Journal - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOYjA0ejNRcm9PTGVSVVhDb3RZcnRSREpQU1dVd1RzcU16TkdkNWh5UGN3TVZJUENoYzYzdjVZQlktYzhGRlhxaXRnWjl0aEcyTU55SzdxYno2bjVKdklEWkFvSWJyQjRlUU1wVVB0dkJUX2VIUW9TdzNUSEtsLVNlV0JOSXQ5TjBLTUtNelh4eTN3NUZ3?oc=5) · legacy.com
- 2007-02-21 [Jake Selter Obituary (2007) - Battletown, KY, KY - Courier-Journal - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNlFPRjZ1Z09RZ0RjTEJFamhIRTdJVnI3cmxUcDU4WVU1blRFTjZOQ21sWmhjSTIzbkRkbkxRUl9qMFp2NFBlZXhpWklqVG1neG5JQ04yaHZhZG9IdGk3V09USjRZTkFnQy1RNkpmWlFfLWV0TjZJTGFsVWF5R3JkTXdjcm8xSkNEdmVlbjV3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25173 (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/21.json (key "25173", 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