# OLD FORT BANKING CO
OLD FORT, OH · FDIC certificate 10255 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $843.9M | |
| Deposits | $781.8M | |
| Loans and leases | $484.8M | |
| Total equity | $57.3M | |
| Loans / deposits | 61.34% (p14 of band) | 82.04% |
| Liquid assets / assets | 40.84% (p84 of band) | |
| Uninsured deposits / deposits | 33.60% (p76 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.89% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -34.80% (p10 of band) | -8.10% |
| AOCI / equity | -7.72% (p0 of band) | |
| ROA (annualized) | 1.44% (p61 of band) | 1.28% |
| Net interest margin | 3.03% (p11 of band) | 3.91% |
| Efficiency ratio | 56.91% (p36 of band) | |
| Noncurrent loans | 0.20% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 540.50% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 35.77% (p43 of band) | |
| Auto loans | $233,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | NIM <2.5% |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | capital falling | NIM <2.5% |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | capital falling |
| 2026-06 | 1 |  |  |

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

- 2016-07-14 [Old Fort Bank celebrates 100 years - Toledo Blade](https://news.google.com/rss/articles/CBMipAFBVV95cUxNY1Z2THVZaGlSaHllLTZHVkpwS2kwal9MOGNtLVhMMDI0QWFCZmpfeWxUdUg3QmlzdjZWemZ4ZUx1RWpPeFVISUJ3YVZ1M2xaMVcwcGZCX0QzVU1KMzd4REg3MzUxNEJIdVRYeGg2NE1NdmpLQkd1UzdWVGgzaFlMcWVNQ0JvZzRhUDVBSzhDVVVVSHJaaUJQcXVIY0RKNnpwTDVLeQ?oc=5) · Toledo Blade
- 2018-03-12 [Old Fort Banking Co Names New Board Chairman - WFIN](https://news.google.com/rss/articles/CBMifkFVX3lxTE5rZ3BOeXo1bEYyRDl6ZWRUblNTa1BobzIzUXo3dE9vY1k2ZXJvcTU4TVpEU01Bak1nNDkzYnZ0MUxJTWF5LU5UYnZHdFlYekt4QUgtaHZlYTV4SHhNTG1WbW02ekhVMklxeWV3VVNvNDNZWnpndGlBSks1dzE0Zw?oc=5) · WFIN
- 2022-02-01 [Hyre named to Old Fort post - thecourier.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9TQlZxay1FS0M1WTc2allBNEk1bUs4cVBpZC1MY3hCNDJUeWE5OWpRWnI1YWFJeDduQ2tQZ21xeUNUdElQVmJYeWhmeWlpbzYwaVZXc0pZTFBiLUgwa3hlWnhadnBib0V6MUJGZGNyc3g?oc=5) · thecourier.com
- 2014-02-18 [Bankers Turned Politicians - American Banker](https://news.google.com/rss/articles/CBMidkFVX3lxTE1nakVnUWMyRmI2SU9RRXpXX3c5RkFyRTRfQTBxdmhXRmVwQ1M3T1MtblVIZGt5cmk3d2NmWTE5QjZmLWVhUkhpclZ2YS1BVVpzc3c0RnlTQXZEVHhCMEZWVURaYzJ6aTdPT2hpTWRsaWhJRW1OcUE?oc=5) · American Banker
- 2025-09-11 [Elsie Dick Obituary (1931 - 2025) - Fremont, OH - Advertiser-Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxPM05Kc21ja1VtQmxYRXgtMEotcEtndTNkdkN5ZTNqRWNjVF85WGY5ZHBCSnR2clRXczJGZGs4OVJBLWxEdTVKVXZaeWFLbVAwb0RWNllQMFFCMXBZRFRpbUZNWTNid2F0bjZ1YnA2aUtKRnlwRXR0SE1jLV9aWUhLSWFrcjZqSl9GQnNTU2EzMnBaYm5IY1Fmd1lsdzVuUDFaYWNTRVVMd21uZ0dCTTJmVw?oc=5) · Advertiser-Tribune
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2018-08-07 [2018 Greene County Fair Market Animal Sales - The Xenia Gazette](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVXgydjlSb200ckRQOTA1R0E5VjJlbjJMakpzRWQ1Z2E2Sk4wRGNiRDdVZkxDa19xNVVHYXNLVHNiY0NkWnhuMW54VDRMSmpFWnAwaU5uQ3k5bzh3ZlY4UGE3OW5mQVVYUlMyR05pMGF4UDhIdXQzZ283MU5jYklPT3VKR3RJOElBaUFCRTFSZw?oc=5) · The Xenia Gazette
- 2003-09-04 [The Roll Call 50 Richest: Gainers and Losers - Roll Call](https://news.google.com/rss/articles/CBMiggFBVV95cUxNaHlJcnpyUldNdG1LNkk5X0N6cFJ1cy1CUXZNQ0hHMnRvNklpUHd2RVFHOXpNVVdJbmR4WGwycFkxZnpMc2dsbmJEeW9MTHZUSnJSbHRZOTdaOUd2YnJMTFRhd1E3ZmhwSzF4MVRkN2JMc1gyNEEtX3dvc0NoUDFFNkxR?oc=5) · Roll Call

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10255 (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/15.json (key "10255", 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