# FARMERS CITIZENS BANK
BUCYRUS, OH · FDIC certificate 10267 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $372.1M | |
| Deposits | $334.6M | |
| Loans and leases | $258.1M | |
| Total equity | $30.5M | |
| Loans / deposits | 76.30% (p48 of band) | 77.22% |
| Liquid assets / assets | 27.08% (p44 of band) | |
| Uninsured deposits / deposits | 16.59% (p47 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.48% (p23 of band) | |
| FHLB advances / assets | 1.34% | |
| Tier 1 leverage | 8.82% (p22 of band) | 9.97% |
| Unrealized securities loss / equity | -10.98% (p8 of band) | -0.65% |
| AOCI / equity | -12.50% (p8 of band) | |
| ROA (annualized) | 0.63% (p34 of band) | 0.83% |
| Net interest margin | 3.60% (p53 of band) | 3.56% |
| Efficiency ratio | 81.65% (p80 of band) | |
| Noncurrent loans | 0.64% (p29 of band) | 1.31% |
| Net charge-offs (annualized) | 0.32% (p79 of band) | |
| Reserve coverage of noncurrent | 168.37% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 2.06% (p7 of band) | |
| Auto loans | $109,000 (0.04% of loans; DQ 0.92%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 1 | capital falling |  |

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

- 2014-02-03 [Longtime Farmers Citizens Bank CEO Coleman Clougherty resigns from CNB Bank - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNelROLXRxQ1MtZnJlcG5xV0tfQkJaMVlNT0tSdnBHR3UxMmxFajJQUFZwN1dlSDhGeUc1V2VkMHR3ZXA1Z00wOFg2LWEtTzNOcWk4SkRqRGI0dUkwWDR6bEthMXM2WTdjM3ZEaGhFY3VpMk04LWdxSTJ1NzMxZDBkLUpmUDRXTGswRHlqNzI0ZEtvMm9BU2lN?oc=5) · The Business Journals
- 2010-11-30 [Kiersey, Tobalske, Swain-Caudill, Anglin earn promotions - Coldwater Daily Reporter](https://news.google.com/rss/articles/CBMirgFBVV95cUxOeElrMFRHS2lROWRTd1pwbXNiQVhqbk9hNmU0LWY5SDBmMXB2MFB3NWpZd3JXcndLT1BGRkJnSmtadWxXeXZrNnJyMTN4RW5yZFYxQTZiYjJPTUFPLWFGR1hlUDNrcl9ES1A1NkJGZDNtVkRvdmZRa3ZVSUNJOEtCQVJKdTBiWHhmbll3OHVWUmVFbVRoRWYxUFNTYjdmRXpYTkloRllsTTBIcGYtVHc?oc=5) · Coldwater Daily Reporter
- 2014-07-15 [Reward Offered For Information On ‘Buckeye Bandit’ Robbery Suspect - 10TV](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQSFg2SmdJVzRiTVZ1UGk4UnY4QUxTQ2E5S1BOdkMySXI2T0RrY0NmWVNzRENKUGJ4ZXhxdUE5WWYtdUk2eHhPU2M0NkF6MFBoRGVpeng0cGoyRmdSLUZYZmFEbVU5MncwR2hOQWtUY0Vpbk1TQTJlamJVSjJ1U2pjS2NfdTBydy1JSkNvNXdOcURWaTlMVVlueGVSeUh1T3dlYWtRQWlUYnlOcnJwMnllcS1kUHVqbzVXQXdxOXhLRlp6WUtxWExjdXlvTnFaa1lWRjdRZkoxWHdEWjY1eUFaUkNrRDBHWFk?oc=5) · 10TV
- 2021-04-03 [John W. Kennedy Obituary - Mansfield News Journal](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBsRjY2YkJzLWRSMzBLUEpVX0ZKaWUtUS1HTGZpdW9aTGF6NXhwV0Z2WlFULThHVzY4cW8xT3EtVFZOSFBTbW9xUDV2cDVQQ2tSTVhsOVVoQmVQNm1TMm53U01Pb0JkYlZV?oc=5) · Mansfield News Journal
- 2013-03-27 [Farmers Citizens Bank acquired by CNB of Pennsylvania - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVFY4NHAtbWJ6bmFSSDZIbzl1dC1IU1VTWFJsbzQ0MENDVnFpUHk2eGtLaFU5QUFoSUF0N0hvdExLa2h3NXFXMDFrYXJKUWlaM29kVk15RUFPcm1rNWp0T1NIZVJGbWNBcWdBRVBlb0xwUWprbzdFelI1ZHhDaE52WXIyMUZYb1BObWN1a3NfZVJPelVzYmtCT1VvTQ?oc=5) · The Business Journals
- 2012-05-06 [ENGAGEMENT: BONHAM-CLOUGHERTY - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxQM0h4SEJJV0xuMmUycUFSRWtJVExyU1ZlVjdmYUhELTBnanFyUEtKNHloclVxQUlyZ3NYeTVsb0IxZFYzdjRjN2t4T3BWaFRBb0cwcnpkUXJXdGFjNEVtVnZPaUZlZ2h5VDdlSVhwVjJ1SjlScTYwa056RGNqMkpFTXpCeXFkMUtGRzEzRkhkbThQM1BvekpmODliUQ?oc=5) · Columbia Daily Tribune
- 2015-06-18 [Bucyrus Secondary School had awards ceremony - Bucyrus Telegraph-Forum](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWlJxX3ZSYkkzUTNSaVljYmpydWJrRGh1RGZYUHZ4ZG43bmFoMy1hWVgtalNxY3RYWWxsN056RGU1U3MxTk0wcGZkX2JfeXlOSkxUdGtOeTZVczl5QXZ2OUg4eHhyQWIwb0VUcWFHSkpoaVhRVUg5cGhmVGNFM29tUEtQTXJOdGFMS1NidEdiQlNOX2JtOThvYTU5akdVTVNEaVhfcnJVYkRyZ1B5V1BRREhIbWdqRHpkTUdnRHZNZ0N6dw?oc=5) · Bucyrus Telegraph-Forum
- 2026-05-01 [Ruth Evelyn (Geiger) Knappenberger Obituary (1932 - 2026) - Bucyrus, OH - Crawford County Now - Legacy obituary](https://news.google.com/rss/articles/CBMioAFBVV95cUxQV0pfWHlTd213cmRWeVA2SXdaQkJJdzVjNWdwYWtSM20zVW5RbDl0Tno0cVkwYWQ5elZNWGdMSWxJdmtVSHJWNW55TG9DZE1BcFVMUGgza0tCbnpScTZyQ01mNWNlWkdVSExTVVlWTHpVanp1X1BEdmlnNVk0eDhoSU5zc01kRXlTOTJubjRXalFxWDNJZ3ZrQkdSSHFIQmdC?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10267 (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/27.json (key "10267", 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