# MANOR BANK
MANOR, PA · FDIC certificate 7907 · asset band <$300M · latest filing 2017-03 · 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 | $32.7M | |
| Deposits | $28.6M | |
| Loans and leases | $20.3M | |
| Total equity | $2.3M | |
| Loans / deposits | 70.73% (p45 of band) | 73.48% |
| Liquid assets / assets | 34.80% (p56 of band) | |
| Uninsured deposits / deposits | 9.90% (p28 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.51% (p70 of band) | |
| FHLB advances / assets | 5.51% | |
| Tier 1 leverage | 6.78% (p2 of band) | 10.87% |
| Unrealized securities loss / equity | -1.33% (p31 of band) | -0.29% |
| AOCI / equity | 0.40% (p54 of band) | |
| ROA (annualized) | -2.59% (p1 of band) | 0.83% |
| Net interest margin | 3.59% (p48 of band) | 3.63% |
| Efficiency ratio | 191.48% (p100 of band) | |
| Noncurrent loans | 0.46% (p44 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 138.30% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $43,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | uninsured deposits leaving | losing money |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | losing money |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | reserve under noncurrent |
| 2015-03 | 1 |  | losing money, capital falling |
| 2015-06 | 2 | losing money |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | capital falling, reserve under noncurrent |  |
| 2016-12 | 3 |  | reserve under noncurrent |
| 2017-03 | 4 | leverage <7% |  |

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

- 2016-12-08 [NexTier, Manor Bank to merge - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSjlibGY3MmF0STB2ZWs2cHhVNnNpUEljR1NjWFBxc3UwWUhVeEFZRE5vc3FyYVBaQXBVb1NZQ2FlV0tDSkE2akpIeXdNWWNqSnlPbmZfbDM0TGlQTjRwdWRlNUJyU3F6RTFWUU02d3dMSm9GZTd1N0JLZFBaZXZWUGNBTHhhbEpZbEluWG1tRjI?oc=5) · The Business Journals
- 2015-04-07 [Manor bank robbery suspect caught in Indiana - TribLIVE.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQldWdTVhdHFVZWpfQUF0eUJPbXF2RndPTlRsU2dJeHBxeVpVSWRPaThuSXNHWHhNUmNjT0NnZDJQN19oa2pXZ1RuX0JCbG91YVdJTnplZVBZYzI4MXNucGRIdkU5aVZuYUpDOGw4M0JINVRIUUYteVFmUERyQzh0M2FxTVA2QQ?oc=5) · TribLIVE.com
- 2017-04-28 [NexTier/Manor deal greenlit by Pennsylvania - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNS2RwblpIVDNYRlZUcnZfdzlYZVhwS0o5M1dYN0VXOHZ6OVVIcUV3Wk5wWHRlcTB6aE9yeGdFQ2FGa0xyRkktcVoxX3phZGY2QnZhT0RaUmYzaUFGSlZ0a19yaURTbjhHMHZ2TG9hUzJjMkQ3b0dtc0w5Y3FKLTlRSE0yNWdQWEduN2dleWtISmU2YW01SXlTTXZmNXp0WVpSejg0dUxn?oc=5) · The Business Journals
- 2009-12-24 [Michael Marincic Obituary (1973-09-16 - 2009-12-19) - North Huntingdon, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRDdIcGRqb0FuUFZURkpBd2QyeXFCd1d6MnZabFZvS2hRUW5sY0Z2VXJXZC1nZmduTHdYakdDWGlWUlBxeXZyYzljX1hPYmV4SjJOWmtIcTAyMElQY3NaOXZMRlZQdTRsbVk0emJKT2xZc3RXaHNyb2Y1YXFucmk4OFNsSVdsbFYwLXREVEpiaUdreHN2bENrUUNjQmkwTVFVY3lMRXhn?oc=5) · legacy.com
- 2010-06-15 [S. Whitehead Obituary (1931-09-12 - 2010-06-12) - North Huntingdon, PA - Daily News - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWWc2RE5iWGxKd0xMSFl1WUVWTmJfS2sxLWN1UWxITllBclV0ckpRalN2T0JpU1FITU42MG9FVkNwWDNHQVNUTkM5UUxiSEpSUl9fRUVQY1FJNVEyRlE3cDM3RzB6X29rOV9ZYmRnYkFwak1xTTJQTGtsb2JLZFpvcVVXLUdtZ05OdUxDOWVaXzBvQkRUN09weEhn?oc=5) · legacy.com
- 2025-12-29 [BSP OKs merger, license surrender of rural banks - Philstar.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPN25KUlREN2dKWmstUkpRcElpcWVIcmZUdkJ3SlIxa2hSOUpYQ01BdHhHNXdsMWtoMjNvOXRROEtua0dHV29aRzVGNmZiSGpFU1puN3p5UU1ZNmk4OFM2LWxWQVRuMlBXOHV6dzgxWjlqYjZtRkx4WWlmbHpYTjRmUXVMU1Q1cXNjYV9PcjVoMWt4ZEFMbkRwaDd6bk1Jd9IBpAFBVV95cUxOcmVLM01fTTJIV3RUZno3azIwNkFabTJjOGhpSW52UU9XYU1tZ3Y5SVJhLXFlNTh2eC1EQ1pmUFhqcVdiaFBlNGliTFppUU4yai1lbkVuWXZaZGNhVHRTY2ttYzJwWk1WTWhpZU1DbmpDMF9wcW5xeTNwdDZPRVIwMVlIYnlDQWQxVFU0NGg5ZGxPY0FuTWpGejk2eGwzQTFVd0FoLQ?oc=5) · Philstar.com
- 2022-05-14 [Former Nursing Home CEO Charged in $169K Racketeering Scheme - exploreClarion](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNV2RNdUVtRW12bzVUUDkxX2djLW5XV0dFaUpMd1dwSTctb0hpUmM4cGx1aDMwckozODUzbVl3NjR2TzJHYk1kY2ZvTVhpYVVOQVJiLV9SLVR5ODRNaXpvaTN5YkExdVNuYlFBR3A4RGw0dVBxRWVwbjM4M285amZid25LbkhJODVWUHNIQmFYSmNKTGZHWGY4V3ZJRmR5M3hTTk51b3NySnRUdnpJalpDaHdwMnZ1Y01UQVBVa2dmSkVXcFBaT1R1Rg?oc=5) · exploreClarion

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7907 (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/35.json (key "7907", 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