# MIDSTATE COMMUNITY BANK
BALTIMORE, MD · FDIC certificate 29930 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $162.2M | |
| Deposits | $136.7M | |
| Loans and leases | $95.9M | |
| Total equity | $24.3M | |
| Loans / deposits | 69.63% (p38 of band) | 76.19% |
| Liquid assets / assets | 37.47% (p65 of band) | |
| Uninsured deposits / deposits | 4.37% (p7 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.06% (p85 of band) | 11.02% |
| Unrealized securities loss / equity | -2.50% (p7 of band) | 0.02% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 0.36% (p15 of band) | 0.90% |
| Net interest margin | 2.60% (p7 of band) | 3.71% |
| Efficiency ratio | 73.87% (p59 of band) | |
| Noncurrent loans | 2.52% (p87 of band) | 0.62% |
| Net charge-offs (annualized) | 0.08% (p75 of band) | |
| Reserve coverage of noncurrent | 29.39% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 10.33% (p39 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | securities losses >30% of equity, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | NIM <2.5% |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | charge-offs p90 | securities losses >30% of equity |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | capital falling, charge-offs p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 2 |  | deposits shrinking |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | noncurrent p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | deposits shrinking |  |
| 2015-12 | 2 | capital falling | deposits shrinking |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | uninsured deposits leaving |  |
| 2017-09 | 3 | deposits shrinking | noncurrent p90 |

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

- 2017-02-15 [Rosedale Federal Savings & Loan Association and Midstate Community Bank Announce Merger - PR Newswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQaUdOcVdVYlVzWnkzanBQZ0RzX0NQOGo3RnN4MWVaSkRiTnlBYlJFWk1tRVRQbmljck5BRkthSl96SFppODh3V1BXWWVxYWsxMDk0d3JOYlZKelp3SU1KVXdGTk0ybXgtSENFWW01Wkc3M2RoUW51SGRnVFpWZUtDTHZYOS1EN0ZIRmhVOE1SNEVoTXVISC1rNFFsNTZvSmV5aU42dXRJWVQ5ODdaVF9GQS1IRmxoQ3pKcG1xSndFU002UWJDblhQUkViUWNobTRzcHRNYlJhWlB2UQ?oc=5) · PR Newswire
- 2017-10-10 [Midstate Community Bank rebranded as Rosedale Federal branch in Towson - Maryland Daily Record](https://news.google.com/rss/articles/CBMirgFBVV95cUxPdUFRMm5ha0xWZFRlNGxteXRaX29lTGpuby1UVXdEVU1wUURGRHZzalpCQTNET1Z1MW9QZXQzaFd1MVVWRlBYMWlvalBOODNnc2IyUW03Ylh2YXBybGhQVmxEZWliQUxUOHcwUVI1bXQ5OTZlN3FRSE1GeGM4bmM4bXY1ZC1BRE80X0gwUU5IdXZBWmF6Mkk3REpnSERzdXlEX2pSY3ZXdVlSWDdyYmc?oc=5) · Maryland Daily Record
- 2022-02-01 [The month in M&A: Fifth Third's solar play, UBS snags robo advisor - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxOX01XZkJ1anFCMkRsd1FNMWFaVGVfLXhoRGRDLTdUTFZ0bzk5UkdENVNfN0MzWmhSeExWNEVXakY2bDBNcWM0RGFka0k1WUZlS1pKTUNPR1RNN3pUdkpDdnh4UGI3VjNtSmFnaWhNUFh2NDRITDRjUV9UenU0enowRFBEUjBxSWZsYWJ3SGtRV1FDZ0hOM3BxR2xpRmJMbHJQ?oc=5) · American Banker
- 2022-01-28 [Rosedale Federal to approach $1B in deposits with acquisition of local competitor - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdUlVTXJTaTU5MDBndGhoTUQ0eTlIQXRpeHpZMGc4RzFRTDhzNUtKMVVFa3JvMGRENTFJWmJPbEJjYXBydWJaSnlMenJVa3FxOFZpVTRNQUdmaHg1VXBZWllocXFfWXdxZEhTZDRTckNhRkRvMWZra2tISXkyNTNRdVFzc0lnNTNYdjY0aUgxM3BUa2pONWVILW50TXRrS0NsdGxB?oc=5) · The Business Journals
- 2019-04-04 [Orioles Upcoming Homestand Highlights - MLB.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZGN6aVhvRTMwS1NnNDFidWNjRXdfYU9sOHZ2VF9PM3V3RGFLOUlGMDNuODZVXzZma2VZb2xkdmNFcmFXWlBVOEJ2VjJuNFFNN2dJbHkyYTc3ZGJPcmRudGFQdGtKTm1DTXRDaTdLWkVqWFdLTmtrcG5mQWJISVNEVFVia1RBQzBW0gGUAUFVX3lxTFBqS0x4SWZyUnNzcktRckRWcGtBeDQydmdDaEJXSWJVVlRSUE5hZGh2Z2V1TUNPaHpUcy0tNkFLVXE4bEtlUkliYnhua1B6eE43dEduUlJpSUFfY3NaOFEtWk9FbEZ0d204OHNublRNUFFueG1lZFB5ci1fUFNzSXh4aHo2eF9aZ1ozdDhwd2lmSWRvU2c?oc=5) · MLB.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29930 (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/42.json (key "29930", 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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