# MOUNTAIN NATIONAL BANK
SEVIERVILLE, TN · FDIC certificate 34789 · asset band $300M-1B · latest filing 2013-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $437.3M | |
| Deposits | $373.4M | |
| Loans and leases | $260.2M | |
| Total equity | $8.6M | |
| Loans / deposits | 66.46% (p31 of band) | 74.76% |
| Liquid assets / assets | 24.54% (p33 of band) | |
| Uninsured deposits / deposits | 6.02% (p8 of band) | 16.74% |
| Brokered deposits | 0.77% | |
| Wholesale funding | 12.56% (p81 of band) | |
| FHLB advances / assets | 11.43% | |
| Tier 1 leverage | 1.91% (p1 of band) | 9.77% |
| Unrealized securities loss / equity | 12.82% (p96 of band) | 2.98% |
| AOCI / equity | -4.11% (p1 of band) | |
| ROA (annualized) | -0.74% (p2 of band) | 0.80% |
| Net interest margin | 2.56% (p7 of band) | 3.52% |
| Efficiency ratio | 126.30% (p99 of band) | |
| Noncurrent loans | 12.71% (p98 of band) | 1.55% |
| Net charge-offs (annualized) | 0.17% (p69 of band) | |
| Reserve coverage of noncurrent | 36.30% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 367.51% (p100 of band) | |
| Auto loans | $180,000 (0.07% of loans; DQ 2.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -15.9% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **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 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | leverage <7%, leverage <5% |  |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 10 |  |  |
| 2012-03 | 7 |  | losing money, charge-offs p90, capital falling |
| 2012-06 | 6 |  | expense ratio p90 |
| 2012-09 | 9 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2012-12 | 13 | capital falling, losing money, noncurrent p90, charge-offs p90 |  |
| 2013-03 | 12 |  | charge-offs p90 |

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

- 2011-11-17 [Searching for Individual Who Robbed Mountain National Bank Branch in Kodak - fbi.gov](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQOXAyNFBMd2RjdFVkd2p4VEFPUGdEV2s5dG5JX0QtVW1TUGQ5QURPWDFlTTFTRjAzbHh3bTlRMXFJNjI4dGVib2dNOUpJRXNZWkFvRjlLSlZacS1tXzkyMm03bXR1Y0JqeFB0MXI2eUVicVF5ZThDOWJRWm05amp0dWxxeXRPeERZUHNPYWFleGU5VDF6TlNOai01NGgtS1pvbWNVU1VWRk5MNTR6QmdIM0xHTXhoM2RTYmtVbHc2VnBZUQ?oc=5) · fbi.gov
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2015-07-31 [Three join Pinnacle Financial Partners Blount County team - The Daily Times](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNZXdWbHpvWm56UjJyc1ozTU9ocWpKalA5dDlfS2s2cjdfYTVnVmp1OTZITDlxRkZnUzFUOWZEM2NxQlFQWll2a0hIOEhXZkQ3VlpObEx3RHZpdUc2RERadzFUeEF5RVNJX3dzdlNvXzB3RHptTGcyQU5hUzFDLUxvMm0tbmN0amFkQjFGd0h0RW5NTTJ0ekdQeWx4cnA0SmVqWFBmX0U2YTVoLUtrVGw0QTVxX3FMeEFhR0NzWWpGVlpaOUxFMWhoUDhvZ3VFby15Zzg3bVpWcTdKWE96XzBV?oc=5) · The Daily Times
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2014-03-03 [Carol Yochem named president of First Tennessee bank in Nashville - The Tennessean](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNX056QnlwaThkaklFS01mWXRYUVllb2JfZXNieUNVZTRSWjR1YmFIeEFYNklPdFVMdG9qaFllRlc4clZtZ0hEdy1xSU5YRnNad2FNQjl1TEI2YzY0c0w3TVAxU1EtaWFIcUd3Q1BNemwzOXVlaGJaRnl0czNDNDh1ajFVYjYzQmdGSlNTUmFQa1RwcDk4TFBNRExycGVKUzNsbnJCUHhVcXU5QWtUejhua29sOHA3QVpEYTd4aFhfdkE?oc=5) · The Tennessean
- 2021-10-11 [Matthew Clugston Obituary (2007) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPazg2Q3l4c2gxWFpSMkdxU0lzQ2d1S2d0S014ZFk2aHdBY18tSzM0X1RHX2tiWFRLN3hyTHU1Z3VYOUZsSEhZemsyU1poMUJsS1BmZ0R0SVFhazZneC1FaDZZcXphU2FvZmlJOXRBemtEUzdxN0dmc0FhdVlKYm5KX3BqZUdZV1dydlBvN29uMWlEZw?oc=5) · legacy.com
- 2021-10-14 [Zelma Boss Obituary (2006) - Erie, PA - Erie Times-News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxONklDZWc0VjJhZ2dfTTFWRXJGaVJHZUlhbFM3TmdxSEtLT1dXYTBDRnNLSDNnaHJ2UXNSUTlUU2hGZGowS2dCOU9FZE5FTUlzZk5JelVzbVZUX0VFNGNYQm9wNkFrZ01UdFFYdFNuTWxCOFpXdFljODlDVFRhZk96TlNUR1dUTFI4U1RlbTRSSFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34789 (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/37.json (key "34789", 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