# PEOPLES NB OF MOUNT PLEASANT
MOUNT PLEASANT, OH · FDIC certificate 6649 · asset band <$300M · latest filing 2019-12 · 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 | $72.0M | |
| Deposits | $60.8M | |
| Loans and leases | $55.3M | |
| Total equity | $8.3M | |
| Loans / deposits | 90.14% (p78 of band) | 76.58% |
| Liquid assets / assets | 22.86% (p31 of band) | |
| Uninsured deposits / deposits | 9.12% (p20 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.93% (p66 of band) | |
| FHLB advances / assets | 0.68% | |
| Tier 1 leverage | 11.28% (p48 of band) | 11.42% |
| Unrealized securities loss / equity | 0.27% (p38 of band) | 0.65% |
| AOCI / equity | 0.59% (p27 of band) | |
| ROA (annualized) | 0.91% (p43 of band) | 1.01% |
| Net interest margin | 4.25% (p74 of band) | 3.82% |
| Efficiency ratio | 66.81% (p41 of band) | |
| Noncurrent loans | 0.19% (p33 of band) | 0.52% |
| Net charge-offs (annualized) | 0.12% (p80 of band) | |
| Reserve coverage of noncurrent | 414.95% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 8.44% (p37 of band) | |
| Auto loans | $14.4M (26.02% of loans; DQ 3.73%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.4% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **auto book souring** (`conc_auto`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 4 |  | uninsured deposits leaving |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | assets shrinking |
| 2014-03 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | reserve under noncurrent | capital falling |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 4 | deposits shrinking, assets shrinking |  |
| 2016-06 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 | capital falling | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | deposits shrinking, uninsured deposits leaving |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6649 (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/57.json (key "6649", 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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