# MAINSOURCE BANK
GREENSBURG, IN · FDIC certificate 5766 · asset band $1-10B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $4.56B | |
| Deposits | $3.46B | |
| Loans and leases | $3.01B | |
| Total equity | $567.0M | |
| Loans / deposits | 86.50% (p44 of band) | 89.39% |
| Liquid assets / assets | 25.02% (p63 of band) | |
| Uninsured deposits / deposits | 29.26% (p58 of band) | 25.84% |
| Brokered deposits | 1.88% | |
| Wholesale funding | 12.70% (p63 of band) | |
| FHLB advances / assets | 10.05% | |
| Tier 1 leverage | 9.64% (p41 of band) | 10.01% |
| Unrealized securities loss / equity | -1.85% (p60 of band) | -2.36% |
| AOCI / equity | -2.36% (p18 of band) | |
| ROA (annualized) | 1.16% (p50 of band) | 1.15% |
| Net interest margin | 3.67% (p57 of band) | 3.58% |
| Efficiency ratio | 66.86% (p66 of band) | |
| Noncurrent loans | 0.40% (p39 of band) | 0.48% |
| Net charge-offs (annualized) | 0.32% (p94 of band) | |
| Reserve coverage of noncurrent | 161.63% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 17.19% (p20 of band) | |
| Auto loans | $57.8M (1.92% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 763 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | charge-offs p90 | capital falling |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |

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

- 2017-07-26 [First Financial Bancorp, MainSource Financial Group sign merger agreement, become First Financial Bank - Northern Kentucky Tribune](https://news.google.com/rss/articles/CBMizAFBVV95cUxNYkg2LTJkZG4xcHBlMW83SkVIMGtHd19qWDk2UDd2NV8xUk80a0s5VzBhLVhySFlRdmdTMF9DdHFzeTRCcWRBTUZJcGdWaHA3ZUIyeDVjSDJGakNVUElZeXJvREl0OFBLVE9Vd0cwM0hyMlQ4a0JYUnMzUk9sWVZTcE5vdnd0Q1ctalZ6MDYyMXhIZ3VmU1F2Z3ZleExXVElvYm1ha0poR1dVb2d3OVVqY19IbFRSY3J6RnB3THlONVNBS3ItS01ReVpHREs?oc=5) · Northern Kentucky Tribune
- 2018-05-07 [Top exec exits MainSource Bank after $1 billion acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxONTU1aGNpcVRUMVV3bHdpUEp6LUlnSFdNMlJlRXNXdUNVVTEtWGMya25xMWVNVlNZN2stbWJrNWJxOWdWalBSRjN0WU9rOW8zcVdfMVViejF0dUNJYXlYME50cXNFbjN1SVNhRDEtaVNPZEFWQVFfUlFPejZtXzFTUVFKQ2VsZGxDa3lRWTJVWV9TYTlYRlp6V0t4Tlp1U1hKcHZwRTAzdnR3dw?oc=5) · The Business Journals
- 2018-05-29 [MainSource Branches Reopen As First Financial Bank - Eagle Country 99.3](https://news.google.com/rss/articles/CBMikwFBVV95cUxNMTFSeVZhNWIwY19wQmRBYkxQNV9uODdab054RjVCZ2JXelVROE01eDRBUzkwUEc0b1FnVHNKUHd6RXZTcVNwSWYzNEpwWlM4REIzVHlxMzNvUUU5ai1QU0NuNENEQjRjUGpkY1VjOHVIT3ZiZi16OVRWQ2dKSFB3aEJ6MTkxdFlSeVNuMUJCME9kanM?oc=5) · Eagle Country 99.3
- 2018-04-10 [Mainsource Banks Change Over To First Financial Banks - 95.3 WIKI](https://news.google.com/rss/articles/CBMimgFBVV95cUxOemNJM1ZLR0pwZExPWC1fWS1zbmZvT0hfekZBVVh4RGpfbFJUSVRLUWJheGJPckdlT2hYbFNrR0h5ZVhvM05uLUctNkppZWViUjlKTkY1bEt5R0F1cmtXak5Wa05jdkdHU0VyUW1fOTExY1hWOFI3UXRDb2xWNGFBeWhzZ193dDF4UmdodHNrejQ2RzBLUkdMZG53?oc=5) · 95.3 WIKI
- 2021-05-22 [Family Medical Center buys former Ewing bank - Seymour Tribune](https://news.google.com/rss/articles/CBMigwFBVV95cUxNSU9ZaUF2VHkxQ083bjRlMUM4dkZWQVNGVTFTbGpOOTdTZDZJc2hlODByZ1VNQmt3bkxTT216aktYVzI3UFRUZzVjd0pPMU9Id1dxbWh5Z21vb1dxS2xXQ2hUM2VTSHFkMkdRNU1aZEVpSTVaS0RQNWQxM2JhbXlLRmVUVQ?oc=5) · Seymour Tribune
- 2017-07-28 [What the $1B acquisition of MainSource Bank means to Louisville - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPbHdKMHVrTGozNHA0Y3lMUUFub3p1SkNDaVphMlp3cnNKY2Z1Nl9KMjA2X2NqUXFhOXRYT1BIV3VNZWhSekl3SkRiTGo1Z0xpWk14SGFsNTBqT01KSE9ZYTVXV1djSjVVZ1A3QXNyOWdVWUIyVHp6bmdhSDdDamFuMDBiM2ZIQlE0NDZRR1ZYMmJfamVLREFJdktpTTA2Q3JxblBybjNLS2dzZzE0?oc=5) · The Business Journals
- 2018-04-09 [First Financial, MainSource Complete $1B Bank Merger - Eagle Country 99.3](https://news.google.com/rss/articles/CBMipAFBVV95cUxOODRvOUJhd1pDMDRPaDFZMXAtT1VmcUlEQzNHNTVVVWZ3M0dyVmR2RGxRZXhfZU5nQVRKOGdiRmZ6YmJSN2J1UXpYUjZGVS1RNWhUSEdCcHI2OUR1RkhSY3ZWeFNjWWk0NUMwQWxyQzFWdGNhQ0N2Wk5hMGdBejEtWmtWZ2xNWmVXaFdhQU42cGlJRzczOExGazNKVTNjQVUxNkU1Sw?oc=5) · Eagle Country 99.3
- 2018-03-31 [Suspects in MainSource Bank robbery - WHIO TV](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZk1OTEJlMTBiY3ktSlJYb3lZWjRlQjUzaTcwcE1KRW9LVGhoZDY1Z2M0d3Y5ZmZKWURBQ2EtaGx2VlRnSkpuT2VVY3hOOEdTbW5WOW5GbGM4RTBpaTlLUzFlc3BrTWhzVzlVdlJtS0J3Zlo0R3F0QUtwTTQ3dkNLSTZKRWE4QQ?oc=5) · WHIO TV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5766 (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/6.json (key "5766", 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