# SAVINGS BANK
CIRCLEVILLE, OH · FDIC certificate 13216 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $520.1M | |
| Deposits | $450.2M | |
| Loans and leases | $390.7M | |
| Total equity | $53.3M | |
| Loans / deposits | 86.01% (p61 of band) | 82.04% |
| Liquid assets / assets | 18.33% (p26 of band) | |
| Uninsured deposits / deposits | 27.99% (p59 of band) | 25.97% |
| Brokered deposits | 5.26% | |
| Wholesale funding | 7.57% (p69 of band) | |
| FHLB advances / assets | 2.31% | |
| Tier 1 leverage | 9.42% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -11.40% (p40 of band) | -8.10% |
| AOCI / equity | 0.21% (p87 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.28% |
| Net interest margin | 3.61% (p33 of band) | 3.91% |
| Efficiency ratio | 72.36% (p78 of band) | |
| Noncurrent loans | 0.22% (p34 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p75 of band) | |
| Reserve coverage of noncurrent | 403.89% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 21.54% (p27 of band) | |
| Auto loans | $4.1M (1.06% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | capital falling | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 3 | losing money, expense ratio p90 |  |
| 2020-06 | 1 |  | losing money, expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | losing money, expense ratio p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | losing money |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking | expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2023-09 | 4 | wholesale funding >15%, expense ratio p90 |  |
| 2023-12 | 3 |  | wholesale funding >15% |
| 2024-03 | 1 |  | capital falling, expense ratio p90 |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 2 | deposits shrinking, assets shrinking |  |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | deposits shrinking |  |
| 2025-09 | 0 |  | assets shrinking, deposits shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-02 [Failed Bank Information for Tioga-Franklin Savings Bank, Philadelphia, PA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMihgFBVV95cUxPcnR4SlZ4amNzM1NIbDhZNVhFcmtIY0w3dk84bFFvWkE1VVc4M1VuYWUyY0lBWkZGZEZmaWtRSXVXeFlPenBTYXUyYm9DemowSnNhMlZPUW5scVZnN0lZdEMwdUE5R09YdkpBTmNFNlBlZlJnUnRuamt6VkJFV3ZrRkFuWXJiZw?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-09-06 [Jeffrey Smith joins Savings Bank of Walpole as vice president - Monadnock Ledger-Transcript](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUWxkRnpKenU5eW5LUzdYX2FsMV9RcjJtR2lMZEw1VEpPYU44dGlIemJNcHNmZUVmWUYtUmYwVzAzZjJtTWhfTExHWGc5WkF1YWtoaGxLUXVZU01PSUJSMzJmQmpoWVlPZGdwLVZvU1h5UEN6RHV0U0wzcG1LWWxYXw?oc=5) · Monadnock Ledger-Transcript
- 2026-09-09 [Best Business Savings Accounts Of 2026 - Forbes](https://news.google.com/rss/articles/CBMifkFVX3lxTFBkYU1ZZ1dSN1JHZER6NUI4RHBkNk9YdUlESXhyeVBMRHlkRFpWN0JZZm1vdHdILU5EelpuMkFxb01jVU1fZ0ZkYllVb05fVklseS1rMjVpTm02bVUtLWJNamdrRFhwalJ5SzBVcGMwYlh0TlJKRWJfekF3UnVrdw?oc=5) · Forbes
- 2026-09-04 [100 Years Strong: American Savings Bank’s Century of Community Impact - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxNYkpwLXRZTEZqYUhiZjBnQldJVk5iNVNENU1JWE1FUndFQmtYRnFpT2w4MG1lV0FfdDRuRHRBbzc2YnRLUHRZa1hBRUtiSTlXcWoySzdxQURTTUZUSUg0TTl5am5UQlZsdDlVT1F5NkFpZHg3UktqdDkxbVRxbk1SdzZaR2ZXQ3VoTnRHNmowS0ZDcFR2RWp3VG50bTJLUU5Q?oc=5) · Hawaii Business Magazine
- 2026-09-08 [American Savings Bank Announces Launch of Initial Public Offering - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOekJxV1ZINXlnTU52Zl9XUF83ZHBBeFVySXRkNnNjUHkzS1BacDlmMUxHbHJ0dkpoeEJ2SE5VaUNtZld5VmtnS1gwLXNDRTAxcEFLZWVLa1ZQRjlsd3RqZmg3NU03UktZZWxfZi1fMDFUaGkwWXNfV0g2LXpxa2VCWGZXZDVqYmpVRnNQSnZaeGE0dHFYQVNEb0FPdF9ydjRQa1lsTUtteXV6TGxmaVJmYXBjbHpqWjBvNFpZSnZnSQ?oc=5) · Business Wire
- 2026-08-24 [Philly lender becomes fifth bank to fail in 2026 - Banking Dive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc1p6akUwRUs5aUUzV3hROEpPMV95elBEdXIwSkpVSDYtMEE2SU9FVUt5Z01jNDJsWUdtTGNyMGpXRVZtSnhHYjNhUWJBcFd1R0dzZG5ENE1wVFFLMjhseXo2Z24ybHpjX2dEc3FjLW1yQnVTMzVBZ192RHMtNHhYX2RMbTZYTFU4RlQyTnJ4Wl85S3kxR29YRENFOXBZaWVmTFlDUTB3RHBCN1E?oc=5) · Banking Dive
- 2026-08-24 [American Savings Bank files for IPO, first step toward public trading - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSVZSS3ZDVnU3Zll0Q1dXVVVtN2dPc201WUFyVXpidU1JLWpyQUF6X0pOLU5pR1JCYmxPOUZiYnd0SXZ4LV9jRmo5U2VQTi1IUFFrbFVnZ3pXSUZxemV1eWZKUThSNTR1MEh3WjgzdGU4OFNyMU5UMG1MRF9zNFpCVHpKcW1kTXVXazZpUGhLUkpXNjd0X2M0?oc=5) · The Business Journals
- 2026-08-18 [Potsdam branch of North Country Savings Bank redevelopment project underway - North Country Now](https://news.google.com/rss/articles/CBMiugFBVV95cUxPazJkZ25GUHktZGFLeG8yRUNRZlhUUFAzakc5Q2dMZzNuWDUxa3dHVEc2N204ZTczZi1XTG9DTTZtbUJBU1cyV2RuREU3dE1uUks1c2NmOUxNSXZ1VnQtQVZQV3pXOWpoQzVKdFJ2Zi1wZC1EME1EeWpibHAxeDZBY1FBSi1IQVJZOXhEYkN2bTFzR2dxcHNzQVp4eS12WHZRdnByYTVkblpRcEVJQmtTcGZNaHNDWWc4ZFE?oc=5) · North Country Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13216 (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/32.json (key "13216", 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