# MBL BANK
MINDEN, LA · FDIC certificate 29829 · asset band $300M-1B · latest filing 2017-12 · 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 | $314.6M | |
| Deposits | $264.1M | |
| Loans and leases | $195.4M | |
| Total equity | $28.6M | |
| Loans / deposits | 73.19% (p28 of band) | 85.15% |
| Liquid assets / assets | 36.72% (p79 of band) | |
| Uninsured deposits / deposits | 40.05% (p90 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.69% (p51 of band) | |
| FHLB advances / assets | 1.59% | |
| Tier 1 leverage | 9.19% (p25 of band) | 10.22% |
| Unrealized securities loss / equity | -3.96% (p8 of band) | -0.60% |
| AOCI / equity | 2.34% (p94 of band) | |
| ROA (annualized) | 1.73% (p89 of band) | 0.90% |
| Net interest margin | 3.92% (p66 of band) | 3.66% |
| Efficiency ratio | 35.84% (p2 of band) | |
| Noncurrent loans | 0.46% (p45 of band) | 0.54% |
| Net charge-offs (annualized) | 0.04% (p53 of band) | |
| Reserve coverage of noncurrent | 230.59% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 118.60% (p95 of band) | |
| Auto loans | $4.4M (2.23% of loans; DQ 4.74%, NCO 0.03%) | |
| Loans to nondepository financials | $99,000 (0% of equity) (p89 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | construction >100% equity, assets shrinking |  |

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

- 2017-10-06 [MBL Bank of Minden to be sold - Shreveport Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTDZoV2ZKcmxrZ2hxTktqYXRzUHB5WnJlUl9WQnBBbDBOT2p5TzNQNGs5b2M0ZF9aSjBaRUVxMzZTa2hJOXRoa19wU0sxd18zSVEzb3p0LTNqSU5LRmstZ3lZMDFvUC1CcFdpNE91NG5OMncyTHRMbVB0YXIwRUJmTDdDNm1qS1dYNG9tSUJB?oc=5) · Shreveport Times
- 2017-10-06 [Breaking: Business First Bank, MBL Bank to merge - Minden Press-Herald](https://news.google.com/rss/articles/CBMifEFVX3lxTFBodUNkSjhwclZYT1R6M0k1R2c4WXlyV1N4OE16ZTB0ZzYwbkNfZnJnaWxuZ1NJTjI4WmJHeV8xREhYRXJ1SDdaeHhMRlRZNWMwZ0lhTDN2ODlMd3hUeEI3QkFIbW9MNWktUzRQS2gyY2FBd1B6cjlTNGlOb3Q?oc=5) · Minden Press-Herald
- 2016-11-29 [Kenneth Lee Whorton Obituary November 29, 2016 - rose-neath.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBmYmFWUWpFVm1Ya25GRDlFaFE1M2JfSlFleWVVNXFsa2REVElLcU9vY0s3M09tYTNRU184ZFIyWkxlUXk0VjhzaFJzTWNfNHE4RFo4WUpJRXFfMGF3ZkRXdzhrcw?oc=5) · rose-neath.com
- 2018-06-04 [Business First to acquire Richland State Bank - Minden Press-Herald](https://news.google.com/rss/articles/CBMie0FVX3lxTE1kUEQzY1VfMThMZTdFR3NvRjlCSV9WYy1fSE43MjY3VlZyMnpOWTlDV1NhaE5kSmJlYmNzT3U1VkZmYXV1eXZmV0g4b0I0VmZVYWxZT2hJRjlZQTNxbVlMNm81WjhkaVJYY2FSdDZTNGVFbU4wMFFqREpHNA?oc=5) · Minden Press-Herald
- 2009-05-27 [John Benton Obituary (2009) - Shreveport, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNd3BOSndHMUlrVXB0UEdqaHBtN2h6aHZ2U3Zhc0RNVjdYY1BUVF9KNE4zVHk3aGVmRE9xVm9IX096akJiVk5GQy1FQTR6ZTdJdWlMWjdqVTVRbWI4MHA5TE9KdlBwMjJTSHR3MzlXc2c2bEc0X0tLSW5OaE5zNkFsWl9MOENoQ2lIY2FXNWgtd2VTbkFX?oc=5) · legacy.com
- 2023-04-16 [Russell A. Adams Obituary April 16, 2023 - rose-neath.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1iWERnWERueEoxNlBwQU9lb2x4OVVtY3hSeTR2aFM4cldTUF9jc1I4Q3ZIemZxSGJwS19vY0NVclhicTRHZ0tjTU41cFhMMzNTRE9CTzgzM0pZLWxWQ2xuSA?oc=5) · rose-neath.com
- 2016-07-14 [Risdon Woodard Obituary (2016) - Minden, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOTDRraFVWRUNPREZkV01fdG5NQm9rWjAwNmI3aFllQWtvNUFyQU5xS29vTW1HaDFoMGtvenFTM3ZTREg0RnJuV0Vpak9xcWd5WHZhRVU4SU5iR1FEV2JyRnhhZkd0VTRTTHlxUlkxNlVtWUh3d0w5bmgxYmRVT0xTTk5QTVdBV0phSXVVSXE0LURvM1FIRHc1VA?oc=5) · legacy.com
- 2016-07-18 [Eleven businesses that were open on July 18, 1966 still open today - Minden Press-Herald](https://news.google.com/rss/articles/CBMilgFBVV95cUxPX0h4UmJvRkU1dWluTXUwMWxjQUUtM1o4VGlURWVYWktmWHBFbDlDcVRTbzlvcW8zYXhQWER5eG1QelFfOHVRQVVlQzVoamdMUk5hRGJzQ0lHdUIwU0NYZ2NiZk5tSUtmTEJ0UHRzUkVILUZRNkJ2cHJwXzR0NzdOM2xyb25tMnZ4MVc2SHpLUlFEWEpMakE?oc=5) · Minden Press-Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29829 (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/5.json (key "29829", 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