# BANK OF MILAN
MILAN, TN · FDIC certificate 33851 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $101.1M | |
| Deposits | $88.9M | |
| Loans and leases | $61.6M | |
| Total equity | $7.5M | |
| Loans / deposits | 68.95% (p43 of band) | 73.59% |
| Liquid assets / assets | 34.41% (p54 of band) | |
| Uninsured deposits / deposits | 7.39% (p7 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.57% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -34.30% (p12 of band) | -6.57% |
| AOCI / equity | -2.12% (p11 of band) | |
| ROA (annualized) | 1.99% (p85 of band) | 1.17% |
| Net interest margin | 3.43% (p26 of band) | 3.93% |
| Efficiency ratio | 53.33% (p20 of band) | |
| Noncurrent loans | 0.99% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 50.98% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 15.99% (p48 of band) | |
| Auto loans | $171,000 (0.28% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.7% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 0 |  | capital falling, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-12 | 1 |  | uninsured deposits leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | leverage <7%, capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | leverage <7%, capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 6 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 |  | deposits shrinking, assets shrinking |
| 2023-09 | 2 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2026-03 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2026-06 | 5 | reserve under noncurrent |  |

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

- 2023-12-06 [Deborah Kay Yates Obituary (2023) - Milan, TN - Bodkin Funeral Home - Milan - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVndvb0JoNUJkU1p1YzN0YTJkaXFnS2JUbmswR2phWW1IenM4QVVseVF6MDlOb1d0OUc1TXo0MWpYUVF0cDZFRHhCSWsxa3Z1V3ZtV25RZ3NmTm5LdVBRLUkxZHI1X0k5VnpZNHRUUmQ2X3RBcFNjY2FmZ2FUeWVEQU1R?oc=5) · legacy.com
- 2016-11-30 [Milan residents hoping for new life in old gym - jacksonsun.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTWJGWWFIQmYycF9KT3pJWk1QT3FXSkxqVmNYMEJfakJYYTMyT09mem5UWWNiMktwUWxTRmJuSWRqZ3h1anhNZzlHQ18zM3VMc3RiVENIeVpfR2VjUjluYW1lUjVmNWVfbmZHY0drNTdVTFhiQTlKTkw4VHg0aHFaQl8tYThZMEd6dTdWTGNwNUZxQQ?oc=5) · jacksonsun.com
- 2023-11-11 [Macy Barrentine Obituary (2023) - Milan, TN - Bodkin Funeral Home - Milan - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxONDVOcjNpSjBqY3d6LU92dXJ3NHZ0dm41V3YzWG5SUnJlQzhKYUxmbUEtUXpMNkh4ajlxX3p1aGpKZ0hYUWNXNk1wdW9HNWlkQ2FLTklCUDdlSXllN3JvVGpJNlVibmxycW5DT1E3Uy0ySkN1UExyckhUcXhOQXN1SkluNnc?oc=5) · legacy.com
- 2019-05-27 [View Mark Hansen's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOFh1WnVZVEczNVJ4b1ZlWFppN2hDWkpsLVMxbG94Tm1VLXdsaUxJN0FqVnFvVlBCNUZQY1VaMXpEZ3lGaWRkdk9zN2gzZEc4NDNuQWlPMTVVaEpJbjM2RGpTNVhpa1RWVG9WQ20tT2dyaUxXY0ZWbU1WeTR2akVlSHdyLWJSSnY4M1lWWDNvMU5WYUNQODFGSndZdEpYNlUtOGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33851 (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/59.json (key "33851", 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