# MERCHANTS BANK OF BANGOR
BANGOR, PA · FDIC certificate 7391 · asset band $300M-1B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $408.9M | |
| Deposits | $357.1M | |
| Loans and leases | $248.4M | |
| Total equity | $42.0M | |
| Loans / deposits | 68.78% (p19 of band) | 84.67% |
| Liquid assets / assets | 34.94% (p77 of band) | |
| Uninsured deposits / deposits | 21.06% (p46 of band) | 22.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.01% (p35 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 9.66% (p27 of band) | 10.64% |
| Unrealized securities loss / equity | 11.37% (p98 of band) | 1.01% |
| AOCI / equity | 5.40% (p98 of band) | |
| ROA (annualized) | 0.95% (p47 of band) | 0.99% |
| Net interest margin | 3.49% (p41 of band) | 3.64% |
| Efficiency ratio | 69.40% (p58 of band) | |
| Noncurrent loans | 0.77% (p61 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | 144.60% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 32.47% (p43 of band) | |
| Auto loans | $299,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 90 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2016-09 | 2 | capital falling | expense ratio p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |

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

- 2022-11-24 [ESSA Bank & Trust names William McKenna chief marketing officer. - Lehigh Valley Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxPaWVzYzRlQ0g5YlQwcnB4MlJLTGJSc0pSTkY5UzFzWmZwSkF3Vmx0TVkxQ3YwT3Q4b19OUEZQYXU4ZWM2cGxJdjBIZExEc09TZGw5YUlEdTIzbWVnYnZwaHI4dm50OFR1MnBlN0duVFBsRFgwdjZORmpxb1NRbXlYeDNxNzY?oc=5) · Lehigh Valley Business
- 2022-08-25 [Gerald Kemmerer Obituary (1931 - 2022) - Elizabethtown, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQSnU1UF92RlJDa2xxMmNlMUxQeWE5U0NNZXFLZlN5WXpiLVhqX1UzTE1Ld012SWMxNlhIbEh5NXk4REdzWUJwWDlsTExFbWxFZG1sUkhscG45LW9QVGJaSTNtMXJ5SzZNd1JZYW9NdWI2M1ZWNWpfVmF2Unc5NlJaOEJOckU5eGVCbTNmNEJRN21JTEFtMlVIZzBoSQ?oc=5) · Lehighvalleylive.com
- 2016-09-09 [Where did Marlboro man's money go? - Asbury Park Press](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONjZoUzdFb2tGSUFybG9yd3ZMdmdsQWkwRlBoMWJ0amRjaTB6Y2hiS1pRX2dpcWV2a2hNamhJSll0bmlQYUFPNE5fbTFnWmtySjhwY2pKN3NJUTBxMTBONVlkLWR6Qksycm1VRkZYMGd4dmpaX2p3YTZOdkQyRnBDUXlIbk1aTVFfWWRXUjNkZUUxaE82c01qTkM5a3FhMzRBUkI5LXFQTGd0SWM?oc=5) · Asbury Park Press
- 2020-03-30 [LVEDC Welcomes New Members to Board of Directors - Lehigh Valley Economic Development](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMV9IdTFvaHRrX1VEUzNNWDlPOVUtb0pYNWk0ZjFTdGJfdnJ6elFwRWFwQkhQUFlTNmU3bi1Bb0JGWE8zZ1VTcGZ4T2FCdjhLQ01DRkllQXEzZVNyMGxFR3ZHdU9EQXdyUHljc0FvVm1WQmR2WFIydE9pblpKRzRoZ0RTNA?oc=5) · Lehigh Valley Economic Development
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-01-02 [Janet Cassebaum Obituary (1934 - 2022) - Ann Arbor, MI - Ann Arbor News - MLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVDZEZkV4YWx1ZHZhV2x1VGIwNjVYR3FrWlNBMkJoekh4VWYzU2s2LTFoNnB6U3ZOV1EwVVlwdWVkTk83UDZRRmlSWDFPa2FacFlwSzJVR1dGdkZ1NkhVSHZQRlEwUTRtS0JwdFUyVy1DVlpLdDFQTk40MElpUzJhM0ZrYU4xSVlfS2FEVTBFazJBUQ?oc=5) · MLive.com
- 2018-02-08 [Sean LaSalle sworn in as president of the Greater Lehigh Valley Realtors and other hires and promotions - The Morning Call](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPOTRWVHRNZF8waHpCcV85UXBnbTlvd3F6QU5TQXdXUWhiTGwwWTZaSnRkOXNuTE5YS0pkRzFBSGY3ZWRoX0Yyei1na1ZWeXJlNC1xZjdodFh2TWZDa0pyTFp1Z1VwM2V2ZzN3M2FBcVpXa3REZ2J2em9qZVNYSFpKWHppWDNTMnFRUUVWX2hrdG85VzhsNDNTSGNveDhKZ2hRV3B2M2g3UlZlMjBMREFvUFlGcEhsT19NZXFSLXl5QkR5LW5XVWNlTTZTQklVR3c4UGRz?oc=5) · The Morning Call
- 2023-01-06 [Janet Cassebaum Obituary (1934 - 2022) - Ann Arbor, MI - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMTBMVHMtZTVpMVlBNHRUYTlkcjZaT1ItUFMzWXhzc0t2RGFnTE5GZmhpVmp0bmhuZUx0QlJYX1lCeVhUS011THBCU1RBcXVrcXh0SFJMbUVFYTREWEMzQ1llLUx6WkhTMzNMc2pSZnNlZ1BJTGtjb0JpRGZVUFUwMVljY0RTY1h0c2tsMUFtNk1mZEN5Zk5iUDRGZw?oc=5) · Lehighvalleylive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7391 (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/31.json (key "7391", 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