# MARS BANK
MARS, PA · FDIC certificate 7910 · asset band $300M-1B · latest filing 2023-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $529.6M | |
| Deposits | $491.1M | |
| Loans and leases | $341.7M | |
| Total equity | $26.7M | |
| Loans / deposits | 68.92% (p30 of band) | 80.89% |
| Liquid assets / assets | 31.33% (p62 of band) | |
| Uninsured deposits / deposits | 35.84% (p81 of band) | 25.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.45% (p24 of band) | |
| FHLB advances / assets | 1.45% | |
| Tier 1 leverage | 7.20% (p1 of band) | 10.29% |
| Unrealized securities loss / equity | -59.52% (p11 of band) | -17.38% |
| AOCI / equity | 11.58% (p91 of band) | |
| ROA (annualized) | 0.02% (p5 of band) | 1.01% |
| Net interest margin | 2.52% (p10 of band) | 3.46% |
| Efficiency ratio | 98.80% (p97 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.24% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 47.17% (p47 of band) | |
| Auto loans | $256,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 2 | expense ratio p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | reserve under noncurrent |
| 2013-12 | 2 | reserve under noncurrent | capital falling |
| 2014-03 | 1 |  | reserve under noncurrent |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | capital falling, deposits shrinking |  |
| 2014-12 | 2 |  | deposits shrinking |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | capital falling, AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 3 |  |  |

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

- 2024-02-20 [NexTier, Inc. and Mars Bancorp, Inc. Complete Merger - PR Newswire](https://news.google.com/rss/articles/CBMipwFBVV95cUxONW9FY2UzUDlTWWpGNzNYa2NqVFlGNlZ0RFg2Wi1tWXNsMXI1eWt0UGQwSm80REU5S1pSNzF2c21JcjRsTkJvNHNPSUtqSm8tTFdyLV9RaHlyZF9tNld5V3dpWWU0WVFLSEY2N3NkNVR1RFhGVTFYOW5QMHpCcmZidnZOMjNqMnhLUmNER0M2NmU2di00RWVSVGw5bGFWSWNIM0NoNmhTMA?oc=5) · PR Newswire
- 2023-08-31 [NexTier to acquire Mars Bank - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUG5UaFIzTzRvRk5uVUtMNEtadnFwdEZ3a3BoZ1NxM2lRWnc2ajNMekxnSzZoa0FBMGRjWDhENUhLZTVOdjJma01mWktteHotdzlpcFJEY2Q5YzJSc1Jkc2ZXdzU1bGRNX2JISm83OW4zSmJ0YWRpaF9YWFBVZnpXdG5zbzdRaUEt?oc=5) · The Business Journals
- 2023-08-31 [NexTier and Mars Bancorp to Merge - citybiz.co](https://news.google.com/rss/articles/CBMifEFVX3lxTE50Ry02VXp0bHJYNVloZzg1dDZwc08zdllrcExCY0VYdmtQSHM5b0ktTXZZQkVBd2ExSjlYQlN3Nm5kSVVhbUhHZm52YjZnTzFIcXJRVkZrOVh4VEJSX3dSak1wRlgyemxoUTgyLU9VRTZ4bkJrQWJ3LXR0RU8?oc=5) · citybiz.co
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2023-08-31 [NexTier, Inc. and Mars Bancorp, Inc. Announce Merger - PR Newswire](https://news.google.com/rss/articles/CBMipwFBVV95cUxQSFcwNFliYU5mQ3NTeWk1SzFvM1JJb29BZGRhcWRILXpoZU5hLXRfTElORjdVbjRWdXc1dUI4bXNNYW16VUtTSG80QjlDNXRjb1V2b2daMTBxMGVoVFZDWWV0Y3RDS0tpTTRkbjZ0UnFOelotenN3d1UwMUpUX01hVXQ1eFhyNEpvUnd2M2t4Mnd4c2dSOGlPaVFnbVlSWHBkVWtpWk5uUQ?oc=5) · PR Newswire
- 2023-12-12 [National Notes from Mars - Numismatic News](https://news.google.com/rss/articles/CBMidkFVX3lxTE5oZmxRLVhodTFland4ZmxabUZQVVFRYmRzUzZMZ3VkRHNHVkRZVUk2WUcyOWJWR0YtdDZaM2ZMb0tMQm9xcUx3VTVvUzlhTlFHVU1GRV9qWF8za2J4ZDBweUZRaHE5QjN2YVdpX1RIVW9ZaVJLWEE?oc=5) · Numismatic News
- 2022-03-11 [Mars Bank hires mortgage originator - Butler Eagle](https://news.google.com/rss/articles/CBMifkFVX3lxTFAtMzljMUlmYUNmUFdnRXB4MXRSQVY0TFNpREs4bGczTzFhOXpqSTBmYzVJMXgzYjR0RkhsaVhydTFxY1dDcGRKZzZRbkRDLV9lNWFjUm1PS19kbC1WY1NYYWJPTGFBWXBBS1V6V2hnak9hRnBQVC1zUTlKMTk3dw?oc=5) · Butler Eagle
- 2020-02-05 [Mars Bank Opens New Location In Grove City - butlerradio.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5SMDVFXzZHaUs0VTZPUkdlVmN6Mk5tMEtraTBXVC1GTUJ5RzVmZVZtbXMycTNPdFpwdW80d2VHYmgyVkFSV1NKaGJ5QS1pTkpWMmtoOF9IOUx3VUQwcnFQeUI1d3ZMWWpka2ZQSGZ2djFNWVFuRWc?oc=5) · butlerradio.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7910 (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/38.json (key "7910", 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