# MARTHAS VINEYARD BANK
EDGARTOWN, MA · FDIC certificate 90190 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.33B | |
| Deposits | $1.07B | |
| Loans and leases | $1.13B | |
| Total equity | $147.2M | |
| Loans / deposits | 104.71% (p92 of band) | 87.10% |
| Liquid assets / assets | 10.09% (p6 of band) | |
| Uninsured deposits / deposits | 31.81% (p53 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.81% (p57 of band) | |
| FHLB advances / assets | 7.81% | |
| Tier 1 leverage | 11.75% (p73 of band) | 10.50% |
| Unrealized securities loss / equity | -7.69% (p50 of band) | -7.75% |
| AOCI / equity | 0.58% (p94 of band) | |
| ROA (annualized) | 0.65% (p13 of band) | 1.26% |
| Net interest margin | 3.14% (p21 of band) | 3.70% |
| Efficiency ratio | 75.21% (p88 of band) | |
| Noncurrent loans | 0.09% (p12 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 923.08% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 25.46% (p23 of band) | |
| Auto loans | $96,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 2 | capital falling, reserve under noncurrent |  |
| 2014-12 | 2 | loans exceed deposits | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | loans exceed deposits |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | wholesale funding >15% |
| 2018-12 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | reserve under noncurrent |  |
| 2019-09 | 2 |  | wholesale funding >15%, reserve under noncurrent |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling | charge-offs p90 |
| 2020-09 | 1 |  | loans exceed deposits |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | loans exceed deposits | capital falling |
| 2021-06 | 0 |  | loans exceed deposits |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | liquid assets <10% |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | deposits shrinking | capital falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 6 | wholesale funding >15%, expense ratio p90, NIM <2.5% |  |
| 2024-06 | 5 |  | wholesale funding >15% |
| 2024-09 | 4 |  | deposits shrinking |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | expense ratio p90, NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | liquid assets <10% |

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

- 2024-12-18 [District of Massachusetts | Man Who Robbed Martha's Vineyard Bank at Gunpoint Sentenced to Decade in Prison - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRTZ4Tkg3MnN0NzRJUWlhS1BEVVZjdGxkS3k5MW5zcHJuei1UQnVZOE9CMVhoQWFmN2dhU1RDd1RRdGc4ZGlUUmx2MWp6ZEE3Ym92NXVPUWJOeGJ0NWhCdk8yR0xueHdra1FHcm1ZaEZlcEh5S0RuY1FjcDRZcmk2NDVjQU13eUJ6ZTJDVW95T0tidzdNMTB6NjNLLVBwdEE1a2NkNnh4TQ?oc=5) · Department of Justice (.gov)
- 2022-11-21 [Edgartown man charged as accessory in Martha’s Vineyard bank robbery - WHDH](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUGozNHZXVi1qbFBSUHMyMFU4SjYxN3l4NE9va3BlSkp4NUhMc0pJS05uZGJpWmpDeHJ4UUFQMnFpb1pmY3NVc3FLZ1lsMUp0VnUwcl94Qlc2Wmx5c0JYdTNoR1dmV21YLV9nQ1BkVHJydGh4VjlURlRlUi00YWhmaUxwZUJHcUl4djVmQ1lFd1lVTmFsLWJVMm8tZzRRODRoWlVuaThzb1VSQQ?oc=5) · WHDH
- 2022-11-17 [Martha's Vineyard bank robbed, police searching for 3 armed suspects - CBS News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQSnBRNzlRVnp0bVFJQ1pqU1NLQW1VT2lBWmRmUmw2b2RZdUtITVZUblg1cjFKa2o0Y3F3LWtwdUlOM1VJY1dud3pOSkFlQXZJV0xpR2toUTNyUmxZOGJFOGxDYnFpWk1NRzVHRUl3elhZbmJ3dDludU9IcThnd3V6SmMyamNHX2xmRVE3S1RjSkRBM2lVTW9iQl9FZGR3RS1JRVBKLUxJQ25QSnpIQ1ZSMDRabUtMRE9KY2ttTnczVF_SAcYBQVVfeXFMUGVJcG9ESHlWSlR1RWtUQVlHVE01eG93NkhZaFFXVm0zMDF3ajNLM1ExeFk0RUlhblNaS0NYaHBocU02a1VmVm5ORnFsczV2R3h3YkJ2Wnl5ZEFGaHAtVTNRNlJjTGJWclhXV2FZSWxnZTZRaGNuRU45ZDVQazFhUy1ESnBVVGlrdkcxZWdXMlozRWFyaHhHTGxQRWEwbkw5a09Ed2JFcXlZcXVVWXBZVi1Mc25aSmtLWlVnYVpjLUVxSzVNUFNB?oc=5) · CBS News
- 2022-12-02 [New Details Released in Investigation into Martha's Vineyard Bank Robbery - NBC Boston](https://news.google.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?oc=5) · NBC Boston
- 2022-11-19 [One person arrested in connection with Martha’s Vineyard bank robbery - The Boston Globe](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcnhWcjZfMVlyeld1a0poSDV1Nm5lYlN5bi1DQTA3SGY3SHBlZVg2UVJUNWJoci0wR3Jza1UwQkdmVzV1OFF5NDZvY29HZ2hXZC1xQnp4YUJacDd2RGtZQmRRU2R4RENndmlzRlBzVjJ4YUptRTA0MW9TVUJpaF9XRWcxN0ZuV0hTb2RVUjVGcWVzU3FFUU1VcGtlbElGVmFWd1VoZWFxWVhhQ19jbU5Z?oc=5) · The Boston Globe
- 2025-01-23 [Connecticut Man Sentenced for Martha’s Vineyard Bank Robbery - CapeCod.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPU1luYXpIQ2VJWjdQSmVWcFVWUFhXN3NvOVdjQ0JIMzdxWEZrdTdoOEpRRG50SU9EOTdFbVpZNjdXckxqa2ZrejlCRVhYUVRGZGF4czBYWlE0TUZDWGFlQ1RKSVNQbUhDbnRjVVB5VnQzTkxZVkVvUUF1dnRDRmtFQWlLQ3Z0UzZLRVRyY2hvamZkbGFBMTV6MHpWUQ?oc=5) · CapeCod.com
- 2023-04-17 [4th Person Charged With Martha's Vineyard Bank Robbery - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxQcVJiMVV4MVZZaDBYS1BzZ2J6MXNWQk1waGROcFVJRElBSmdfeDVFUDFYZlJVY1R1U2dCSm5JYklYOFlLWGc3LWMycG50SHhZWGpmS1JDSUhuRlVlT192NzhqMWJRVmp1aHcxWV9MNFY5MlAxSmRITnB6aUVtME1LdXR2OHJ5T1RaakNVLTJrVzZaU3E2VER5MEZiZXM?oc=5) · Patch
- 2022-11-21 [Man Faces Judge on Accessory Charge in Martha's Vineyard Bank Robbery - NBC Boston](https://news.google.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?oc=5) · NBC Boston

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90190 (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/14.json (key "90190", 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