# MONADNOCK COMMUNITY BANK
PETERBOROUGH, NH · FDIC certificate 34167 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $200,000 | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $107,000 | |
| Loans / deposits | 0.00% (p1 of band) | 66.54% |
| Liquid assets / assets | 62.50% (p89 of band) | |
| Uninsured deposits / deposits | – | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 51.94% (p98 of band) | 10.04% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 2.48% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | -196.56% (p0 of band) | 0.72% |
| Net interest margin | 0.00% (p0 of band) | 3.55% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | loans exceed deposits, wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 9 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, reserve under noncurrent |
| 2012-06 | 9 |  |  |
| 2012-09 | 9 |  |  |
| 2012-12 | 4 |  | loans exceed deposits, wholesale funding >15%, NIM <2.5%, capital falling, uninsured deposits leaving |
| 2013-03 | 4 | NIM <2.5% | expense ratio p90 |

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

- 2025-07-01 [Former CEO of GFA credit union officially retires after nearly half a century - Worcester Business Journal](https://news.google.com/rss/articles/CBMirAFBVV95cUxOUTRBVUJ6OFcwTTBMNXgtZ2pKTWw0ZGJpTjlxMnZxR0VnbWk3X3gtSXVIVmE2YWFaUHlBeG9BODhSUzJRY3V5RUdvaGpLZ3RFY2VlWUVzSTVOc19lbGZ0S2pIcThyRm9BNWlIR1V4QjBYMFVNQnlpVG5QdndEYkstLW5oNXo2Rldlb2JmSjVTaXlvMUNKaV9TV1FMYnctMjdlbXVObEJ6Q2xUdWlL?oc=5) · Worcester Business Journal
- 2015-01-20 [Banks and Credit Unions: Competition Not Going Away - Federal Reserve Bank of St. Louis](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMW1OaWcwQ2JWck5GZzVPOWxYRWJmMmpJc3paMzJ4YzgzeGxEXy1jX0RfLUpmSTRGMnpESjdMV2x4ajZyYTlFN2dBamdjWm82Z2dpa0JSNXVXVGllUmZUd0ZiX2pXbE5BMnI2QXdHME1sbmVfazZBaUZYcXl0VFduVzhuN1lrZHY0RmVrcGlYckhHOXZKUmx3X041Z252cFhoOHVHWDk4WDVCSWFNbzlfY3RDLWVtRGdZNFBwYml3?oc=5) · Federal Reserve Bank of St. Louis
- 2021-03-05 [Verity, Simplicity and other credit unions name new CEOs - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxON0JITVMzbWZON2taVmctNlhCTlhiZU15WjNURDFNRnBIcXB5WHk4blZKS1I1Qm15bXdaeUk1c0I4YmM4WXBvN2tzSnBSbVhFa28xNjRiSHNfS0VJNl9ZSXJHdDdja3Z1UDNEc08zVWEyMlAzTWt4Y3dsNTUzZzYtM2Yya1U5R1ZSUkExV2t6NUgwdFF2a05HUzRSMzhUdGRRQjZXbDZrTQ?oc=5) · American Banker
- 2012-09-16 [NH banks pay back TARP and more: Lessons from late '80s spared us from credit crunch - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMijgFBVV95cUxPdEF0MUpCRm9QNkdwRjUtWDVtcXR2YUplcHQ4MUY0QlotV2M2SEx0RkRVREpFaWN5OUYyTWd5ZXNLZWlFRXBYZ2I4eFI0VmpfQW04eHhHZmhtZWNoZnM4UkZBeXlkNDlDRUN4WVB0WXV3RmxpNm1zd201V1BFWU13bzZReEtSNzVzWG9rUWpn?oc=5) · Foster's Daily Democrat
- 2020-11-06 [GFA President and CEO Tina M. Sbrega recently inducted into the Cooperative Credit Union Association Hall of Fame - The Gardner News](https://news.google.com/rss/articles/CBMixgFBVV95cUxOQTJlSmFiQlNTQ09Ub25BZjZXLVBTaVBGa1JnN0xtSUtST2I3djJuRldmaVpnWHljaFF1YmVJakVxNnA3SHdnOVdFMTFPYzN4eGtCdWk2NmU5ZlhpY0FZX0w3dVRwa0JFNHIwejdOYUFVUk44XzVmSEhuRlJZb1V0amw2bXViRmRLSkRzYXRJd2dkQmFVb0FVdXJwbnZEd2dSVU9fSU4tNW1aSDFMS0YzM1JvaEdfenNtSUx4c0hQQ1BxSzZ2Q2c?oc=5) · The Gardner News
- 2012-03-14 [Mosher family plans fundraiser - Wicked Local](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcllMS2c4NmRwcmhRbS1tQjlORWI3T0ZQZzh6dVFKSzNNclZ2cjZQdzNFU2gwX3JHQVhhdlpSLWZ6VFd3OWl4aVdGVHM3U1RDRDdVZnR0VGV6cjk5UUZCZkl1Qk44SmpzZFhpbzBwZkhjSDlJWlR0aF9ZR3ltRDNXUV9RQ181V3dCMjFSQmtQX3hDQi1WY1I2Y3pYaEpJbnY1NGRWUExqSmctVlk?oc=5) · Wicked Local
- 2021-10-06 [RICHARD HEALY Obituary (2014) - Peterborough, NH - Boston Globe - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNkxuZWViNk56RGU0ai1aNXh1Zm8tM21PY2pkU01fX29yZ203WTZQXzV3WWhpLUZHY2l3dld1QVNlMm5YaE5ueXo1NkdZaXNCTFFpbDN2VTRZTUJXXzBYSmVhc2wtZG9DTXpuNmRaRjEzRUFnZU1vRUhrdHRwY2xESy1HdlJxT2tCTjFDaWNUY0JCdw?oc=5) · Legacy obituary
- 2022-09-10 [Jack Goldstein Obituary (2011) - Brookline, MA - Boston Globe - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxOb0NxN0YzX3Z4XzdoS05qbGMwTnpZcGdSbGxTNmpsVUZkNnRsNHc1aFVVam9LNlNNaFBDWmhpR19fX1o5azAwQjYyZzRRdVFVRVhkWkU5cHpCMWNLcFNKcTJDOUZoazhURVhvT1VjQzFELXg1a0dVc3REeE9yeE9OOWtBc3RwQjJSaGFLUjRzdkdyVDg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34167 (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/55.json (key "34167", 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