# MELVIN SAVINGS BANK
MELVIN, IA · FDIC certificate 256 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $93.7M | |
| Deposits | $86.8M | |
| Loans and leases | $19.2M | |
| Total equity | $6.8M | |
| Loans / deposits | 21.72% (p5 of band) | 64.15% |
| Liquid assets / assets | 78.70% (p96 of band) | |
| Uninsured deposits / deposits | 35.64% (p91 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.63% (p6 of band) | 10.40% |
| Unrealized securities loss / equity | 5.36% (p87 of band) | 0.89% |
| AOCI / equity | 0.04% (p96 of band) | |
| ROA (annualized) | 0.15% (p9 of band) | 1.04% |
| Net interest margin | 1.40% (p4 of band) | 3.30% |
| Efficiency ratio | 91.76% (p89 of band) | |
| Noncurrent loans | 0.08% (p31 of band) | 0.35% |
| Net charge-offs (annualized) | 0.01% (p71 of band) | |
| Reserve coverage of noncurrent | 1960.00% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $617,000 (3.22% of loans; DQ 3.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 43.9% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | NIM <2.5% |  |
| 2013-09 | 0 |  | NIM <2.5% |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | NIM <2.5% |  |
| 2017-06 | 0 |  | NIM <2.5% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | NIM <2.5% |  |
| 2018-06 | 0 |  | NIM <2.5% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | NIM <2.5% |  |
| 2019-06 | 2 | noncurrent p90 | NIM <2.5% |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | NIM <2.5% |  |
| 2020-03 | 2 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | capital falling | charge-offs p90 |
| 2021-06 | 2 |  |  |

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

- 2023-07-24 [Susan "Sue" Elaine Ackerman Obituary Jul 24, 2023 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFBzdWJaTFB0SzBPbXJEOGRCUldSRDg0QkU1b3JIY0VjbVVfMjk0YVdFVmFCN3NJZktTQXcyNDhrSXR6eHk0UnZYc3lCVVNpYTU5Wjh5WkM5bFJ1MTNCQ2RzQktZSW94bU1RNkNyUGlMSlBsUQ?oc=5) · Jurrens Funeral Homes
- 2020-08-10 [N'West Iowa businesses get PPP loans - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMisAFBVV95cUxQX3NGckVzekpUdFBLVkI0TmpBRHVMTnA1bzZzZHdJamtMdExES3dLek1BVmNWN01ON1JWVWdvV1Y5d000NExPMFN1TzNGV0RkNzljcHJqbUZzb283SEROZWF4MDdtSUVqV0s3dlJNdHdMYTM5SnZfbm9HR0ZubnZHa1FiMUZDOVNWTHU5bjk5RVB1WEVrb2ZZN0U1NElWT2JaWU1KTWY1SFR4aXRaS21Dag?oc=5) · The N'West Iowa REVIEW
- 2021-10-16 [Barb Nonneman, 87, Melvin - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMirwFBVV95cUxQSmVSdk5HdHhLOFg4OEJkeXRZOVdSVXFQRWs1VkZNUjFMUTVmaEk0MlVwcGN0SURyV3ZnTHU4UUphUHl1VXhqVng2Rl9fYXRaWFNBaXppOWxnVHlfSFQ0cGRjOUowclBjT1hFTC1rMWF0Vjd2Wjl1VTdZMl96c25Na2FibkVXaDVNUVpxVlJkZk9ZRnNkSmZGQ2VmRnpMdnZiUzQ2ZUdyOGQ2QldORHVV?oc=5) · The N'West Iowa REVIEW
- 2016-11-17 [George Henrichs, 68, Sibley | Obituaries - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMisgFBVV95cUxONWN0NzMwZ2NmQ1VKbFdGWDVnNVQwX2FzYjU4Rm5kOHlSM29McGdFekhVUEwteHF4d3ZUNXpBOW9LUFZ0VTJXdktBWG83OGpDTlNDQ3NyR2Jwd09fNk1EQ1hnaG1vMEtXR3ppeUpEbFBjXzNVcndpMUk4MFloQ0dxOU1TUGNxVU9zdW04R0FKY3ZKeTRkTWc0czZNUTFZZ2RHdFpzU25TLXZTbDBNaGNMNHlR?oc=5) · The N'West Iowa REVIEW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=256 (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/0.json (key "256", 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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