# MBANK
GRESHAM, OR · FDIC certificate 34093 · asset band <$300M · latest filing 2016-12 · 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 | $153.0M | |
| Deposits | $127.3M | |
| Loans and leases | $118.2M | |
| Total equity | $21.8M | |
| Loans / deposits | 90.79% (p80 of band) | 74.46% |
| Liquid assets / assets | 16.78% (p17 of band) | |
| Uninsured deposits / deposits | 7.37% (p17 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.33% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.46% (p45 of band) | 10.76% |
| Unrealized securities loss / equity | -0.22% (p65 of band) | -0.86% |
| AOCI / equity | 0.23% (p96 of band) | |
| ROA (annualized) | 0.38% (p18 of band) | 0.85% |
| Net interest margin | 4.74% (p93 of band) | 3.68% |
| Efficiency ratio | 92.90% (p90 of band) | |
| Noncurrent loans | 0.56% (p47 of band) | 0.62% |
| Net charge-offs (annualized) | 0.03% (p50 of band) | |
| Reserve coverage of noncurrent | 399.09% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.49% (p16 of band) | |
| Auto loans | $85,000 (0.07% of loans; DQ 56.47%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.5% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **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 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 8 |  | noncurrent p90 |
| 2012-03 | 8 | deposits shrinking, assets shrinking | reserve under noncurrent, construction >100% equity |
| 2012-06 | 8 | reserve under noncurrent | deposits shrinking |
| 2012-09 | 7 | deposits shrinking | losing money, reserve under noncurrent |
| 2012-12 | 8 | construction >100% equity |  |
| 2013-03 | 3 |  | leverage <5%, expense ratio p90, charge-offs p90, construction >100% equity |
| 2013-06 | 4 | reserve under noncurrent |  |
| 2013-09 | 3 |  | assets shrinking |
| 2013-12 | 1 |  | leverage <7%, deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | deposits shrinking | reserve under noncurrent |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | loans exceed deposits, uninsured deposits leaving | capital falling |
| 2015-12 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 | expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |

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

- 2025-11-14 [Poland’s best transaction bank 2025: mBank - Euromoney](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNOUI5UU5kTmp0YllsWThWQnREc1JtZEVsbVNJMnlua0xyQkI0Yi1oczFnbC1iY1lJNjNMWVpZQ1pmWnhMRjA0TzJvMjBQdkVUTVRIdXNZQWVNQ2NDQ1VsSGU2RjN2cW84MDNyVllqZWtIMi1KNUlZclFYRDlZaUs3VU9MWWlHSURNNnkwaHV4aGRFd25SRUthbEY1N2V1anhSeHJzZ2JKNHQ3YVBXd3kxQW9xcWxoa0MwQnJn?oc=5) · Euromoney
- 2026-07-09 [MBANK becomes the first bank in Kyrgyzstan to launch instant issuance of personalized cards through card-dispensing machines - mbank.kg](https://news.google.com/rss/articles/CBMigAFBVV95cUxNLVJ3b0FHNzZKNVRXSTdGSkVTYUx5eDNKNnhmcjkweUhsRXp4OGZNaWxQNWlTb2RIUFNWd29iTERzYW96QzVXZV9Ub0paNVJjNXREZkJGNGJIa21DdHg0Y0NIaVlnYmc4NUwtZ1lIOWljRndHanVyOHJaNDBVOHpPTA?oc=5) · mbank.kg
- 2025-09-24 [Forrester’s 2025 Technology Strategy Impact Award Winner And Runners-Up For EMEA - Forrester](https://news.google.com/rss/articles/CBMisgFBVV95cUxOVlp2MWY2bTFNSHlpajhiUmVYOUZtQWh6SHRudFFDU05zNDJ2NWw4NXJxMThmcTdmdVlFZjVrc2lqRndtV0ZLSHRXYW5UdDBmcVA5VVBiVk5IdnpwSWx1M3Z0ZFZBQUltS2dJMTNKSEpjSVdOUjZEQ29telgycUlfQkFIN2dMZHdscW1MTm5aNkpTdHN0RmNqNTM3VGJMb3VTSGt2VGFPY0IwUTZiYzRWVFl3?oc=5) · Forrester
- 2025-11-13 [UAE’s First AED-Backed Stablecoin Powers Real Estate Payments via Mbank’s AEC Wallet - techafricanews.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNbGF1QXV6Z1dUTXp1UC10ekFmTXp1eXpmY1V2am1YV1k0akJSaTJWWEV5WllNMEZ4UHB1MUxxRE1wTWMxNF8ycnAzSV9JSkpRVjl1dFNLaEw0X29vbVNxU2VLX0VTWkMwX2N4U1JqNFpjWFlYYXE0ZFMwVENJVFk3RjR4NU1IazBjZUR3OWVRcW50UDNNS19iMGlaRTJTTzdoSEQteTBkOFhVRHZXRHdHQ0VWN0NIQ25QRjc5eU9R?oc=5) · techafricanews.com
- 2026-01-16 [mBank’s long march south: A Polish lender in Czechia and Slovakia - xyz.pl](https://news.google.com/rss/articles/CBMigwFBVV95cUxOV1NqZnJOVmR1S0pLcTJYaUVkVFlPUVdPX3NHNDlNTWh5YjZFRTBlSTM4ak5mbzVacmlVaHprMGtwQW5KakowQ21mb3R0aFdsRS1fY2RyaG5JdjRaSnVyLUIxd1BuWDY1WWJNMnJVbjV6Wk1IYUlYZGd4QTV6WXFNalk3cw?oc=5) · xyz.pl
- 2025-12-01 [Poland Buy Now Pay Later Business Report 2025: A $2.8 Billion Market by 2030 Featuring Twisto, Klarna, PayPo, Santander, Allegro, mBank, BNP Paribas, ING Bank Slaski, Alior Bank, and Revolut - Yahoo Finance UK](https://news.google.com/rss/articles/CBMifkFVX3lxTE53RXVxME5YSUpxMTZ6TWphakNMa244QU1uMWwzbUstMHZ3NEttU2ZHV3JTNFZvdXU1WGVrbldPdnlUbTF0ME1oMFdESjFnTFhZdy1iSlluRjRNZGlRdzZYZkNZZ1JuOXJmQ0dFUm5DRjlkXzRGazJmeDc4VHBSQQ?oc=5) · Yahoo Finance UK
- 2023-11-13 [Dentons assists DNB Bank and mBank in a pioneering renewable energy financing - Dentons](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPWUtqeXdYVDNhVVVlcWl0RVE0c1l3ZkZNMm1LdkVfYWxFQmdqdlZ1WlZBel9vd0Nfa2RkVlFYblVTbGdNM0k2VlhyTTB4NlBabWZpVTZKVXEzWmZaUmtCTnBzRkhPanhKcnRsRkhIY3p3NjFRenZJeUdVdU9BMzBXZkRLcEFkSDRVVzgzeFVkWXpSeVBUd2t1R3V1RTZxeVFDMDlnd2xHMWRPbURQdGcxMnE1VFM1cmRZ?oc=5) · Dentons
- 2020-03-09 [Interview with Mr. Cezary Stypułkowski, Chief Executive Officer and President of the Management Board, mBank - International Banker](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQaVV5T0N3MUZ5U3ZraTU4VDd6ekZiWkZEQWkxSWhvZjYtYjBwcm9pLUhHM1pRTVlFa3ozYlB6NF9xWHJSbnVzcHFQN2ZkTlZNQ2hlUUVsTTBZcmxZdjNkblI5bl9iTnhrSGlzY21NOVp0Znd6Q2hIZzFvdEZkbnMtS1p5RzgzdWlIVm95blhZT1h1cFF0S1lQQ1RYV0NKWXFNc1dqRG5sbEswQjdfalphaGFFWWpIWS1CR21qN3pIWlp5R3JZVDk4MEFubnBabE5UdWQwSmxHNXdVZ1VPbW84?oc=5) · International Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34093 (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/45.json (key "34093", 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