# BANK OF MAYSVILLE
MAYSVILLE, KY · FDIC certificate 9315 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $164.0M | |
| Deposits | $133.7M | |
| Loans and leases | $87.0M | |
| Total equity | $28.6M | |
| Loans / deposits | 64.50% (p37 of band) | 73.59% |
| Liquid assets / assets | 43.93% (p70 of band) | |
| Uninsured deposits / deposits | 20.55% (p53 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.60% (p51 of band) | |
| FHLB advances / assets | 0.60% | |
| Tier 1 leverage | 16.94% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -7.92% (p46 of band) | -6.57% |
| AOCI / equity | 0.13% (p90 of band) | |
| ROA (annualized) | 1.45% (p65 of band) | 1.17% |
| Net interest margin | 3.85% (p46 of band) | 3.93% |
| Efficiency ratio | 56.26% (p25 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 695.28% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 14.55% (p46 of band) | |
| Auto loans | $721,000 (0.83% of loans; DQ 1.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 1 | uninsured deposits leaving | capital falling |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | reserve under noncurrent | capital falling |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-06-25 [Gerald Keith Darnell Obituary (2025) - Mays Lick, KY - Palmer Funeral Home - May's Lick - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQejU0eFJzNmNid0R4Y0tsN09YOGJMUDVGRS1uWU43Y3I0Q2hDTFg5YzlzVFFKNjhyb3Q0X3YzMG9mbFctc09Cb2tacjloR3hZX3FxY0dncFBLRXU0d1hyUS1OQTBQck1hTU1uQThsc0gzLXVVMTRDWHQ2WTB1MmVCNklnUQ?oc=5) · Legacy obituary
- 2026-06-25 [Speaking words of wisdom: Area leaders offer advice to graduates – Ledger Independent - Ledger Independent – Maysville Online](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdnNWYVM2NUVTTlJCbkx1MGRSS3F0WVUzZUpGeWlGb0tiSHkwVVdPb1VYYzQ0aUxwZy1aQ1hacHlkOUF6b3RwZXE3WEFSazlhVXg4MXJUQUZPcl9JQTU4WmN5SWpZcjVRQTh5QW9TSzZ2VXMzTlRSd1UtX1MydlhDci1CSzFMaUlZeWkwV3BhbVVacUMxUVp5dmNnM192Nmoxei1jbGJQSkN1UQ?oc=5) · Ledger Independent – Maysville Online
- 2019-09-20 [Former Campbell County fire chief pleaded guilty to felony abuse of public trust over $10K - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOZ3l6TzNiQUhZSHMwekt1Y3N2VGtFdW55THJ6Z1BxbkhHOHJ3bXJOcTZ4T0Q5cjN1OUYtNVNZMUNFZjNTRlRQN3FoNlFqT2piVFB3d191MGJxYjlxSEVNT21LejRpSHpBYWpTZTVvdFBmcEhtMWNpWmZHSXVtRTF5bzRZcTU5cVpsczM5aXFuYVNVN05SdGI1eVFnYl95c19vZmRzS01GdC15cmFPNGdUNlhvTkg0ZzZQQ29LTi1COGU3RlE2RkJKMzJ3SF9hTHVuVzZDNHE0d08?oc=5) · Cincinnati Enquirer
- 2023-02-23 [Roy Faul Obituary (2023) - Maysville, KY - The Ledger Independent - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMnZWaUVlYUQybFJDd2hxWFB6S3I4b01RajlPbzJTZlJlMDl5OVcwdGpnRkFHbUhpeUFHT0xwOHpYNEp0SHVWb1REblg1ZmdONHpqdGtWTmZucV8yVlRZRzFLRXUtTm1aZzNjS25Ca25rQ3lXbmRFc1Jpdk14NVcxQW5uOHR3MlZuUzA5dDA0Z3JCQQ?oc=5) · Legacy obituary
- 2026-09-07 [Maysville native is Medal of Honor recipient – Ledger Independent - Ledger Independent – Maysville Online](https://news.google.com/rss/articles/CBMikwFBVV95cUxPVEVJZ3YxcTBkV3hoWUIyYVZ0cDM5Nng4NWxTSUgtSmpKdkl5bmM3OXkzVVRmcU5JQ1hHSDVHTjlzMjZFLWJZX0ppenZ1RHA5aUNLSmhCR3FUb0V5c1pXZnR3WXVQSlpHR01ySTdfeHhYLVBFNmJBaEtHYWY5dUtsV1BMSE10MmtJT3VFSW55azllU1U?oc=5) · Ledger Independent – Maysville Online
- 2025-07-15 [Diana Cropper Obituary (2025) - Maysville, KY - The Ledger Independent - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZEJYUGU1WVF2d01DbWJYbVZCallJb1Q2NDZEWEtlSkh6cVBiWDFZWDZiUXRVRU9UNE9hdVJLSF9sRUg4ZW9UaDdWUnQ4TjlyV1pldjNTMWwwOUVpaWJBeG95OHVKcms0MzdjYVBNSzBVa3NpdGZmY2V2cUhsaE1TR3g3Nk1zNjIxWUM3T2NzcTJDSEdYR3lNTg?oc=5) · Legacy obituary
- 2023-12-06 [Day 18: William O. Miller – Ledger Independent - Ledger Independent – Maysville Online](https://news.google.com/rss/articles/CBMid0FVX3lxTE42Tzl5WGM5ZUdqM3ByOWFidzRTbFR6MGZtb2c4Z3poemY2YVBxM1lRWXBnNXNxdFZDZGt4RXhRSEw2XzJaMEVOY1hmUUNIR1dwdFdtUUo0WjJMZFpIQ3I3MUU1X3lwTGtweUE3bXhzaDNtNEFQUGlF?oc=5) · Ledger Independent – Maysville Online
- 2026-06-22 [High profile cases fill court docket – Ledger Independent - Ledger Independent – Maysville Online](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVnEzWnBmc2huOWFIX2Z0OVkwTXdBQ1dreDRUS3BnT1U2eWFrd0wzNDJKNWRqdUJ3bjFKc3poRVBRSnQ5aTVjR0dDZ280WGtBZ3RDRVRheEhteHI2d0gxeERFYjhyd3d2WHpNWVFRM1dVNGVMclNmV0tReEhBdzk2ZTd4N1Zxc3c?oc=5) · Ledger Independent – Maysville Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9315 (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/35.json (key "9315", 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