# CORN CITY STATE BANK
DESHLER, OH · FDIC certificate 12980 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $104.5M | |
| Deposits | $90.7M | |
| Loans and leases | $73.4M | |
| Total equity | $7.1M | |
| Loans / deposits | 80.26% (p63 of band) | 73.59% |
| Liquid assets / assets | 28.95% (p41 of band) | |
| Uninsured deposits / deposits | 33.47% (p87 of band) | 19.81% |
| Brokered deposits | 12.44% | |
| Wholesale funding | 18.67% (p94 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 10.82% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -60.28% (p4 of band) | -6.57% |
| AOCI / equity | -2.14% (p11 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.17% |
| Net interest margin | 2.99% (p12 of band) | 3.93% |
| Efficiency ratio | 52.28% (p18 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 9950.00% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 69.33% (p87 of band) | |
| Auto loans | $4.6M (6.22% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.9% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 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 | 1 | assets shrinking |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | NIM <2.5% |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | wholesale funding >15% | charge-offs p90 |
| 2023-03 | 4 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 4 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 6 | capital falling, deposits shrinking |  |
| 2024-06 | 4 |  | capital falling, deposits shrinking |
| 2024-09 | 3 |  | uninsured deposits leaving |
| 2024-12 | 5 | brokered >10%, capital falling |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | NIM <2.5% |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

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

- 2023-09-27 [James Sager Obituary (2023) - Deshler, OH - Findlay News | The Courier](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcGdwc3BQRnpSNFNWWlU3NkJsUUlpTDVrMXQzLXp5Y2psVmgzVDYyUlU4RkRpRGl6dnlzQ25oTEYtM2xzTk12M0ZfQk1yWDNsVUhMM3otb3Mta3B6eTNlRnRjeEdHNmZFV2JDUmoxeU5ObnZvR0xOSEhWeU9MQmo0RjNBeGpKcDE3Z0Rvb3o1ZEljazlOeTZuVVd6VjI?oc=5) · Findlay News | The Courier
- 2020-01-27 [David Thomas Boyer (1936 — 2020) - Bryan Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxPOU01X09vV0FrQ0JmaW5XUDNKVjRBdmVtRXBicjloUzFwM1I2TmF1UTMxRUtxM05kaF8zc3A0eERRYksteEZtTlByT0VHNkQyTjNhNnpSbjFxSVhESjRXNEU3RlBxV1JRMUFhcTNNVVFGZGQtM2xLOWZVSEtPNWdjMXpPTTc4SlVXZWhzaHFzaW1EMWNqN2ZZb1BnTkJFQU01cjczMWpnT2RjTGtnQTJXOHhkVFQwR1E?oc=5) · Bryan Times
- 2023-09-27 [James Sager - The Crescent-News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPbndUaktTbGdkaGQ3NnRuZjc4Q29mTGRRcWgzaTFwTGxFVnVPOFVHVW16Tmh0Y0VtTHF4b1RQQXhfRHk0Ums2VUNLQ0JGZ0lVSlB1YjlnaDN0TEhKNHdybmJOak5EZTZoajZ5d3dFekQ3SWhzcEJMQjBGU1luMkJNTmR3V3A0aVpDcFoyQ1NsemFLT1FNQzJGMGVKb1Z6eC1ESjVScEdRMUJZWGxONC16ZTBuQXlKUkhvY19V?oc=5) · The Crescent-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12980 (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/52.json (key "12980", 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