# BANK OF MARINGOUIN
MARINGOUIN, LA · FDIC certificate 8145 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $56.5M | |
| Deposits | $51.2M | |
| Loans and leases | $16.5M | |
| Total equity | $5.3M | |
| Loans / deposits | 32.20% (p6 of band) | 71.50% |
| Liquid assets / assets | 67.59% (p93 of band) | |
| Uninsured deposits / deposits | 27.30% (p89 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.72% (p36 of band) | 10.45% |
| Unrealized securities loss / equity | 0.73% (p54 of band) | 0.49% |
| AOCI / equity | 2.96% (p65 of band) | |
| ROA (annualized) | -0.01% (p8 of band) | 0.81% |
| Net interest margin | 2.79% (p12 of band) | 3.66% |
| Efficiency ratio | 79.75% (p64 of band) | |
| Noncurrent loans | 2.59% (p83 of band) | 0.76% |
| Net charge-offs (annualized) | 0.04% (p51 of band) | |
| Reserve coverage of noncurrent | 8.90% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 9.90% (p40 of band) | |
| Auto loans | $1.3M (7.98% of loans; DQ 3.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | losing money |  |
| 2014-12 | 2 |  |  |

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

- 2014-05-08 [Guaranty Bank &Trust set to acquire Bank of Maringouin - Plaquemine Post South](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUFhfS1hFclpDZTZwZUIteW5kU0ozRy0tbDJtd2drYmgydHBKVFpVMFAtVVg0NU1ncTNyeWlKSUlJTF9ReGtrR24ya1BCY2tncXFuQzc0bUhJZE9rdmVqMjg3QnJ5MmdLSV9RR2lleGhicExva3lmd1JvTmJaYnpkMnlMRWJUSVpNZzZHblA2Sm9ORVBuQXc?oc=5) · Plaquemine Post South
- 2024-10-11 [Wade O'Neal III, president and CEO of Guaranty Bank, dies at 68 - Plaquemine Post South](https://news.google.com/rss/articles/CBMizgFBVV95cUxOcjZXMW5ydWIzUTFqeU51Y1NsYUg1a3JUR1hZMDMxSXhDcmlKaENBajlUN2lCcnpkQzQ2YVhrYnR3cC1fZV9IV0pYY3VkNDJMbll2MmVTNG05R0FFZWZGM05DbmFxMmcwNjI3eV9LWjlHblZ6eF9hMHhIS3ktbE9pX21lNFVvRTdZQWJwUklWZ0NBVnN6Mmh6WUdLYmJXWHcteHJUcmx3bzVZSlJmU182RmQ3M2oxQUJpVEUwMnVnTVJmWDBVLVlIeUhQQ05Ddw?oc=5) · Plaquemine Post South
- 2019-08-12 [Nathan Carriere Obituary (2019) - Maringouin, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQQl9COEtkQU5UY2tIaDNoczNxdldSallEREpOS3pjOEVlRU5oRlZSM1pSbHpmRWFudnkwUE9NMjRjenJvTjBYMlVUdGpYTXhLempnbTZLTGZkUzVVRU9VdWtITXhCdnVZOXVBR19DWi1rNTNrZlBDSnRZMG1uOFFoaV96cHR1WTRwakpXbUpyanJRUTQ?oc=5) · legacy.com
- 2016-07-31 [Baton Rouge, New Orleans, Lafayette area People in Business for July 31, 2016 - The Advocate](https://news.google.com/rss/articles/CBMiigJBVV95cUxOeTZPTHE2Zlcwbi1ZWUcySDdkUmZ3TWgyZElpbWlVM3RyNHYwYzFuc1FhRHcxbjNQT1RTRkJQWnJidUhGS25pR1BkV3dIaDdudHZoOTdxQ0RlaW5LOEllbFVQSTlrbG80ekFEcEM1QkhoR0JORHFNUmpid0dvbk5oSjl2T3ZkLUxfU2I3M1lVRkNGQ0xHZWFkelJQOU9DbmFaeHJyS1h3LWxYTi1fQVdNemJudWFRS0pFREdvNDZvd3NGLXZNbGFqQk9ySTNWUWxfRjI5R3lMVmpPWFRqekZ6SmtEdUxIU3k4WHlzazRkWHluTHU1eHl3c3lzM01IV2tQRG9aQkhiajJ3dw?oc=5) · The Advocate
- 2018-09-16 [Marietta Easterly Obituary (2018) - Port Allen, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZ0xsdUhLZWpfWUFpYWlSTFVpcm42MmVUU1BWR3htV0hkMTNRcDlubm13WkJYblBJREttdXpXSkl2QW9nbDZ0UVdTa3ZtSW45UXk5NzFDcXZsTlVuQzAtOGc3X08wamx1aDVrd1UzU2h0enBRNUdTeWc3cEdobFRuckZXb0VHN2VZUEpiaTNkSXpFdFBpMGZZ?oc=5) · legacy.com
- 2014-04-21 [Iberville Chamber of Commerce hosts 16th Annual Golf Tournament - Plaquemine Post South](https://news.google.com/rss/articles/CBMipAFBVV95cUxNR1dfSmE0dUp4Y2FRQzlTVlNqQXR3eEl0cU5ONTFjR3hRekdKc1VvS3dMN2hnbHljc1ZTSU4yeVJxWENnT3plc3pLZ1JYZ3RhWGZlNjdxaTlKZUk4WWFSS2J1M3F2cDFKZjBqa2VVczJzRzI2TDFobGZEbjlEOFRDSWozdEVkcVVTZ1RGa2xJV0JjbmtpSlN5cEhYaVFFVWxjdUFqUQ?oc=5) · Plaquemine Post South

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8145 (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/17.json (key "8145", 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