MBank (OR)

MBank (OR) Locations
1290 Northeast Burnside Road
Gresham, OR 97030
www.mbankonline.com

MBank (OR) is headquartered in Gresham and is the 17st largest bank in the state of Oregon. It is also the 3,325th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 42 employees at 6 locations. MBank (OR) has a 2-star health rating.

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Data for Q1 2012


Institution Statistics


MBank
FDIC Certificate #34093
BankRate ReportView
Year Established1995
Employees42
Primary RegulatorFDIC

Assets and Liabilities

Assets$184.06 million
Loans$102.66 million
Deposits$172.66 million
Equity Capital$7.19 million
Loan Loss Allowance$3.54 million
Unbacked Noncurrent Loans$2.98 million
Real Estate Owned$7.94 million

Historic Data - March 2011

Assets$206.69 million
Equity Capital$8.99 million
Loan Loss Allowance$6.05 million
Unbacked Noncurrent Loans$25.22 million
Real Estate Owned$4.79 million

Profit Margin - Quarterly

Net Interest Margin3.4%
Return on Assets-0.48%
Return on Equity-12.61%
Interest Income$2.06 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio1
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 MBank (OR) had $10.92 million in non-current loans and owned real-estate with $10.73 million in equity and loan loss allowances on hand to cover it. This gives MBank (OR) a Texas Ratio of 101.80% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for MBank (OR) decreased significantly from 199.29% as of March 31, 2011 to 101.80% as of March 31, 2012, resulting in a positive change of 48.92%.This indicates that the balance sheet and financial strength for MBank (OR) has improved significantly in recent periods.
Deposit Growth1
In the past year, MBank (OR) has decreased its total deposits by -$13.36 million, resulting in -7.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MBank (OR) has shown is poor.
Capitalization2
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MBank (OR) has $184.06 million in assets with $10.73 million in equity, resulting in a capitalization level of 5.83%, which is below average.
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