# MCVILLE STATE BANK
MCVILLE, ND · FDIC certificate 8944 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $42.7M | |
| Deposits | $37.4M | |
| Loans and leases | $32.8M | |
| Total equity | $5.1M | |
| Loans / deposits | 87.48% (p82 of band) | 69.26% |
| Liquid assets / assets | 17.67% (p13 of band) | |
| Uninsured deposits / deposits | 11.71% (p46 of band) | 12.49% |
| Brokered deposits | 6.68% | |
| Wholesale funding | 6.68% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.45% (p34 of band) | 10.29% |
| Unrealized securities loss / equity | -0.80% (p52 of band) | -1.01% |
| AOCI / equity | -0.80% (p73 of band) | |
| ROA (annualized) | 0.44% (p28 of band) | 0.76% |
| Net interest margin | 1.36% (p2 of band) | 3.63% |
| Efficiency ratio | 61.44% (p19 of band) | |
| Noncurrent loans | 0.20% (p23 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 1.56% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $769,000 (2.35% of loans; DQ 1.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | assets shrinking |  |
| 2013-09 | 3 | NIM <2.5%, reserve under noncurrent, deposits shrinking | assets shrinking |
| 2013-12 | 2 |  | deposits shrinking |

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

- 2026-09-01 [Linda (Mrs. Duane) Larson Obituary Sep 1, 2026 - Bakke Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE8wc210cFI4UEJoYkFWTHI1RV9IcUdRZkhDVE44WUc2VDRLREM1Z0JyTVpyLTR1R3JuM3B0Z2MwWjAwWGNkdmtJbnNXY3JoTXp2TjhyQkN3bjdGbVg2V3RuQTViQWN2OXNRc3RnbEZJZzEwSWtqN3c?oc=5) · Bakke Funeral Home
- 2023-07-17 [Margaret Schorsch Obituary Jul 17, 2023 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE5vZGh1MnpoWEdlYl9pZ3RLY3lBYkQ1N2hMTFNBdHFvd3pma29Pd28wNWJ4LVRrRkZFS3VXM05ZSzI0UDZ6cDVkS08xSlhVb3c5QzBrcUtoVUstV2Y2b2hZVnpDLVhkR1NSMk1QSFZhdUM4Ym8?oc=5) · Stevenson Funeral Homes
- 2023-08-10 [ND rancher to chair NCBA committee - beefmagazine.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQTR3WlhlSDJNRmlOTTBfOUk3V3lvV0tyY090TXFXR1k3aW9QblRtQlVEQ25sZ3NjOEJsSFo3dEswdk9DSTdHc2pCaVY4azNUcjFpME1FOXBBd1ZlMTFlazlpMExnVzRSTm9NX1E0dFVXdzJ5MVlYOTExNW1QcVdkYklXcUswRUNJQmpBNA?oc=5) · beefmagazine.com
- 2023-01-17 [North Dakota cattle producer to lead NCBA Tax and Credit Committee - Morning Ag Clips](https://news.google.com/rss/articles/CBMinwFBVV95cUxPR1pjZVpsU2luOHdWVVJoWUpFSENxN2hGbzdzVXJ5MFhfMWVnWHdYN2VXd0FobFFxU1M3UjBRMGs5RlpqTXI3VWltRDRRX0ZuQnhPN01jYjNUenMtcXJqLTV0Mmo0bWh5aWVIQmxSb1J2MGllUXBpNGRSYlFhWWVOVkdFLUZYcVNxTUxSRnRjRmZNWEZTSm5PRUkxR0lueDQ?oc=5) · Morning Ag Clips

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8944 (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/48.json (key "8944", 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