# BANK OF MOUNDVILLE
MOUNDVILLE, AL · FDIC certificate 9057 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $144.6M | |
| Deposits | $127.8M | |
| Loans and leases | $58.8M | |
| Total equity | $16.2M | |
| Loans / deposits | 45.49% (p16 of band) | 73.59% |
| Liquid assets / assets | 55.83% (p84 of band) | |
| Uninsured deposits / deposits | 37.36% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.10% (p77 of band) | 11.76% |
| Unrealized securities loss / equity | -43.26% (p8 of band) | -6.57% |
| AOCI / equity | -1.51% (p18 of band) | |
| ROA (annualized) | 0.39% (p15 of band) | 1.17% |
| Net interest margin | 2.72% (p7 of band) | 3.93% |
| Efficiency ratio | 79.67% (p78 of band) | |
| Noncurrent loans | 5.45% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p69 of band) | |
| Reserve coverage of noncurrent | 18.70% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 14.87% (p46 of band) | |
| Auto loans | $910,000 (1.55% of loans; DQ 8.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 | AOCI drag >20% of equity | capital falling, NIM <2.5% |
| 2013-09 | 4 | securities losses >30% of equity, NIM <2.5%, reserve under noncurrent |  |
| 2013-12 | 3 |  | NIM <2.5% |
| 2014-03 | 5 | losing money, expense ratio p90, NIM <2.5% | AOCI drag >20% of equity |
| 2014-06 | 6 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2014-09 | 5 | uninsured deposits leaving | reserve under noncurrent, NIM <2.5% |
| 2014-12 | 4 |  | losing money |
| 2015-03 | 3 |  | expense ratio p90 |
| 2015-06 | 3 |  |  |
| 2015-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 | capital falling, expense ratio p90 | assets shrinking, uninsured deposits leaving |
| 2016-06 | 2 | reserve under noncurrent | deposits shrinking, capital falling |
| 2016-09 | 1 |  | expense ratio p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | securities losses >30% of equity |  |
| 2018-12 | 0 |  | securities losses >30% of equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 1 | expense ratio p90 |  |
| 2020-03 | 1 | NIM <2.5% | expense ratio p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | NIM <2.5% |
| 2021-09 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | capital falling | NIM <2.5% |
| 2023-03 | 2 | NIM <2.5% | AOCI drag >20% of equity, charge-offs p90, capital falling |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 6 | losing money, assets shrinking |  |
| 2023-12 | 4 |  | uninsured deposits leaving, losing money |
| 2024-03 | 2 |  | deposits shrinking, assets shrinking |
| 2024-06 | 2 | capital falling | NIM <2.5% |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

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

- 2019-07-27 [Longtime banker, state board member dies - The Tuscaloosa News](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUFJDRy1seURVeDRlS2lrRTZwTnd2LUx4U0hHNXI0ZWNhLVByOXNDTmJray0zY0hVR3lRZVNzSVpOLWViNUJybTBORXJsT1NOMG96SU9MOFdtSTRSVktpWG1zcDFTdnhMQUd1MzZiM0NGRVlkb1R4ZzQyS0pQeEVjRmlJU29yOUczTVY0Z0pmWVM4QnR6a2c5bjNaOFRYMXZkNXRzcFVVV09wajZUeDhrZkU5ZGo5elZjUW1VUw?oc=5) · The Tuscaloosa News
- 2020-09-28 [Madie Poole Obituary Sep 28, 2020 - Magnolia Chapel Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBtZXY4VVNiN1hHMW1paXphRzE4eDNaQVQxYjNPTXNSNEdsZWhOMjk3SnRRLUt3WUdPUTJWekxyMVZMdDdYV1RQYzhzS3F0ZGtvb1dfNVNxT29kS21mSmc?oc=5) · Magnolia Chapel Funeral Home
- 2021-03-17 [See photos of Moundville storm damage: Homes, vehicles destroyed in west Alabama - AL.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcmJCRjFMQjFTQ3Rfa0c1c3VwRTdjT2xnOW9mRUJjc3ZYY2hPemRaazZKQXB6M29VTXlTcmtqOXZnX01Zckc2anhtNGdNYVBaRERnSjNrc01lZjctYm0yRzktNG1aalgtN1daUHcxcTJjYTIwb0FFdGVQNE5XeHE3czA2cXlvZk53bTBibTlxc3ZPV1R5WUxFMWcyUVQ5d3ZQczZxNGkzc0RLcXFjcDNoU3pkczdVd9IBygFBVV95cUxQVnNTU2NJV1QtMWUxOWpSeE5XQTVoZGJlOUp2VHFUUnJJT3psb0JNQkhJYlBGdFo3ZTFpYmpaTVdhUlNINjA4QlExVDhyWmUzV0t1cWJfdVJzNDFHN1BfYXMwN1BIUGNlRUQxRmRKTzhNdnNtWlFucEYzc0Jfa1loTllZU28yejZ6ODZEaHJXRlZFdm1STzJHdXN3WXZLakdWQWVoTzZrbWd2VUN4OW92aEhRdXNMSUdXcjlWWnRNTkNyTnRkWUkwdFJn?oc=5) · AL.com
- 2019-07-24 [Victor Poole Obituary Jul 24, 2019 - Magnolia Chapel Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9zbGtLaERVblI3WVlqTXAyWndUb3p2N1ZVNE1jQUFsTWlrU1N2YkFuUGhzZHJhTjUxN0dtMHhfVG9yZzhIN2RxRF9MenQ5VzZsTE1zTVEyUWJ0eXpaWjNB?oc=5) · Magnolia Chapel Funeral Home
- 2024-01-02 [Alice Tidmore Campbell Obituary (2024) - Moundville, AL - Magnolia Chapel Funeral Home South - Tuscaloosa - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVVZRNnp1QTNHWHNta2g1R0psbjY4Q1U5amdSd1VOTHlqT09SMnAzdk1qUHE0VEpTc0F6YUk2ZlNNLVZ0V1pXSnRtU0lVZzhNWWZrc09hN095MUw1aW04aDJjXzF0a0NnQklHRVB1U3BzRmQ1RE1KM3JSejBuMl9ob0t4bFp4aVFHZEdHbEN3?oc=5) · legacy.com
- 2016-03-31 [Walter Allen Obituary Mar 31, 2016 - Magnolia Chapel Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE0xem1mb0phRkUxQmNUR3MwWjI2emxSOS1fLXJwajFrV25MR3VDbDQzNlpObDFpUmFfanVxc1UzS2lsMzNTRHZwa0tjTk5oWlF0c3ZwakxUcnUwZ3dDMTJV?oc=5) · Magnolia Chapel Funeral Home
- 2018-11-08 [Betty Kynard Obituary (1938 - 2018) - Tuscaloosa, AL - Tuscaloosa News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVWNZM3k2Mnd0aW9kRC12bWJMZmdaWTVQX3RSYjQxa0VQOXNUQUZMN2d3NDNhcVV2SHhma3BCSHNEZUVZWXlySWExSzZfdkMyYnNtV0QzVk5xNFNFZjJWVGlkUjI1enpLWFBPRHBFLWNMQVVQUWtGdnExTGkxN1JrajRGazhjT2pnWUJwSlh3?oc=5) · legacy.com
- 2017-11-17 [Robert Lake Obituary Nov 17, 2017 - Magnolia Chapel Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1QVzNLRExwU0Z0dy1WS0tLcVFFZnNQaV9QNEZmamhLLXZpNFA5aDNzem1LeFo4dHpHMVRpYnBXNl9GWHZ5aXhEQ0VvU1p4TUlKajcwUjB6Nk13TEhzUUE?oc=5) · Magnolia Chapel Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9057 (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/33.json (key "9057", 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