# MONUMENT BANK
BETHESDA, MD · FDIC certificate 57942 · asset band $300M-1B · latest filing 2016-09 · 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 | $513.4M | |
| Deposits | $429.6M | |
| Loans and leases | $409.5M | |
| Total equity | $39.6M | |
| Loans / deposits | 94.37% (p75 of band) | 84.10% |
| Liquid assets / assets | 17.53% (p29 of band) | |
| Uninsured deposits / deposits | 26.96% (p71 of band) | 20.48% |
| Brokered deposits | 6.39% | |
| Wholesale funding | 12.89% (p76 of band) | |
| FHLB advances / assets | 4.21% | |
| Tier 1 leverage | 7.41% (p2 of band) | 10.18% |
| Unrealized securities loss / equity | 0.64% (p26 of band) | 2.01% |
| AOCI / equity | 1.29% (p63 of band) | |
| ROA (annualized) | -0.10% (p1 of band) | 0.94% |
| Net interest margin | 3.88% (p68 of band) | 3.61% |
| Efficiency ratio | 100.30% (p99 of band) | |
| Noncurrent loans | 0.53% (p42 of band) | 0.65% |
| Net charge-offs (annualized) | 0.05% (p64 of band) | |
| Reserve coverage of noncurrent | 183.49% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 192.31% (p99 of band) | |
| Auto loans | $24,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 4 | reserve under noncurrent |  |
| 2014-06 | 3 |  | construction >100% equity |
| 2014-09 | 4 | loans exceed deposits, construction >100% equity | capital falling |
| 2014-12 | 3 |  | loans exceed deposits |
| 2015-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 4 | capital falling, losing money, expense ratio p90 | wholesale funding >15% |

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

- 2026-07-23 [FCMB moves to unlock capital for improved healthcare services - The Guardian Nigeria News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPd2tndEFLQ0l1UkkzUDd2Uzg3b0s1NGVKNzRCOVNkMjUtSml5Wm12NWM1eGpnUVZ2b1BMRktPRU8ydDYzWE9FUWdHa0RJSzdhMGlCdHdzdVo2NzNKTm4xMWxobnFCQXdhNV81Wmw2VzROY3ItSEhjYlViSTdPTElHOWxUaS1qUktaVHhXcGE3RmI5UFRjZU1BRnZmbnRZMkpIc1E?oc=5) · The Guardian Nigeria News
- 2025-12-01 [FCMB named Nigeria’s Best SME-Focused Bank - Premium Times Nigeria](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdFNlOExLTEhKR2E4SlVqd25xVHF6YXJkeVJ0US1yRGJiTmNWY1NWdENjVzBwQjEybGRfT3lPbXNXdFRHdlp5a2xWRTZxM2plVUdVU0pPbVpwMDNpYmk1UWQ2dUo3NlRMQTNTZVNYNUl5YkVYRDAwMWY3UW5GLTFLVWxzSlpFRk5ORm5zMjRuRjZwZVNLRTVKRA?oc=5) · Premium Times Nigeria
- 2025-12-05 [FCMB named Nigeria’s best SME-focused bank - The Guardian Nigeria News](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMjIzSVFrMlpTSHo2ajkxU0sybHRvNVdoSUY0U2FqMlF4WEtFY2tSQXNpZWtVQXFTYm12TGxpOHN0UTJsWFF3T3JyLTFwcnFGcmZNNHl3SHhNZnlKU2RtRkQ5ZmtJajg4M1ZNUnZWS3RjUGxVOGpjOGdyTlk4NjBIMzE0ajh6ZFE?oc=5) · The Guardian Nigeria News
- 2021-07-13 [First City Monument Bank (FCMB) announces appointment of New MD – Yemisi Edun - BellaNaija](https://news.google.com/rss/articles/CBMiYkFVX3lxTE80UVVrTTdDdDFwckRfVzFHUlA4ZnJHZmU1TVlXeGJ1akhxWGxHZEt3NEhVekQwc05CYl9YQWtCX01Vb1dDbzhXaVExQjBmUUtBWmUzRWhvZ3NvX0Rha1BCbTVR?oc=5) · BellaNaija
- 2021-01-06 [FCMB MD steps aside on allegation of unethical conduct - The Nation Newspaper](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTDh0NXNVd2JjX0pfa3pqdXNaSlJ6bHEzbmhXN1ItT3RZMFlhVUdDZ3p5dnhlRUtkZkFuM0VGUWNFWE1mOVVRNGlVbERfbTlhTk9HUTBIMkVUMVItV09FbE5aTXZYVFQ3QXdPaVluV3RWcWw0TDRtSG1jWjdsQVFxVUZSQmRsUUFtWUJaaFlB0gGTAUFVX3lxTFByWTU3Z1hRYU1QMG1Rd2kwLWNVX0FIZHo1Z3NERnJhOEFNd1QxOWh4MHE4QkFzUmtkVjQ4OFU5OG14b19oZ3JqdVVtZl91U1JlM1pnSHl4QlVSbXRZczZ6eUJTbzR4clhRWnN3ek9VWklGdF9hc2lDNVAxMGZVa1JhOUEyem9OYmRqSVh3elhEbFF0RQ?oc=5) · The Nation Newspaper
- 2021-01-06 [Paternity Scandal: FCMB Replaces Embattled MD With Edun - thewhistler.ng](https://news.google.com/rss/articles/CBMihAFBVV95cUxPVDJvOEFoWnpaTHNpOWV2TFRiVkFUSVoyMnNLQVZVekNiUXdYM2tUOVNLZi1lVGcwU1BuV0tvbkE2eVFndmxGRlpyZzd3Qzh0dHFhVWs5UFBPbVprSTRsYWhSXzhlUDVhMUp0eURJVXpOeEFYUm55YURwZTk3NXVoRTVuOUs?oc=5) · thewhistler.ng
- 2021-01-06 [Paternity scandal: FCMB MD Adam Nuru goes on leave as bank initiates probe - TVC News](https://news.google.com/rss/articles/CBMingFBVV95cUxNMnk4a2pRTDBJNDd0U2o3aEtyaUxXS3M5b2dpWlNIVEpqOXpvTFZ5emlldEoyalFOTEJYY1VmdjNHd3VmX0JvOHFSVEVBM24wbmFaXzRTam1QcHZxZUdzNlV1U0VxOU52WHVReGxPU1BrTXlFV0NXZzB3WUl1NFBrdGwzUVRkamM4QXp2N3dseU9nUFdQakJlOUVlT2FjUQ?oc=5) · TVC News
- 2021-01-05 [FCMB MD opts for leave as bank probes paternity allegation - TheCable](https://news.google.com/rss/articles/CBMilgFBVV95cUxNd1dMbzBVX0IyS1pQZUp0QTAwVXlpVlJiY21mSGFFbE93ZzNTVE5fcDZmeUNDaUJGa0lRRkhjaDdlbTR3RG5mc3ZsSm1SUGxuVzNWYlVvM2NuWERjaXdJOFI1b3dKRTk1ell5NkFrYmNxR1NvTDUtVlVjbVlFb2k4Z2Z0NXBqN04zRVU1ZlBfdjZPbzRuUWc?oc=5) · TheCable

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57942 (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/22.json (key "57942", 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