# BANK OF AKRON
AKRON, NY · FDIC certificate 13290 · asset band $300M-1B · latest filing 2020-06 · 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 | $471.2M | |
| Deposits | $425.7M | |
| Loans and leases | $329.0M | |
| Total equity | $40.3M | |
| Loans / deposits | 76.00% (p36 of band) | 82.55% |
| Liquid assets / assets | 27.48% (p56 of band) | |
| Uninsured deposits / deposits | 27.44% (p65 of band) | 23.22% |
| Brokered deposits | 3.54% | |
| Wholesale funding | 4.20% (p48 of band) | |
| FHLB advances / assets | 0.66% | |
| Tier 1 leverage | 8.87% (p23 of band) | 10.04% |
| Unrealized securities loss / equity | 2.94% (p52 of band) | 2.80% |
| AOCI / equity | 1.37% (p47 of band) | |
| ROA (annualized) | 0.66% (p23 of band) | 1.04% |
| Net interest margin | 3.50% (p45 of band) | 3.59% |
| Efficiency ratio | 71.45% (p71 of band) | |
| Noncurrent loans | 0.92% (p70 of band) | 0.55% |
| Net charge-offs (annualized) | -0.02% (p9 of band) | |
| Reserve coverage of noncurrent | 180.72% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 57.95% (p71 of band) | |
| Auto loans | $74,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 29.8% | |
| Employees | 76 | |

## 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 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 | charge-offs p90 | capital falling |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 3 | capital falling, noncurrent p90 |  |
| 2016-09 | 4 | charge-offs p90 |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 1 |  | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 1 |  | reserve under noncurrent |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | charge-offs p90 | noncurrent p90 |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | charge-offs p90 | capital falling |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |

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

- 2019-12-19 [Bank on Buffalo parent to acquire Bank of Akron - WGRZ](https://news.google.com/rss/articles/CBMivgFBVV95cUxNNURjZmEtWlNVUTFRSHNwUzctbzJleEdVOVZrbTJWWGlmb3cwV1hWMjZtUkp6eVRZT01hSHlCNWNCandTMVNjUG1DYlU0TUNVWEtsNkgyRklVSWViMm54bUVibF83ckdMNnJlVXVPTlExUmtfR1BUX2hwbk5mamcwUURad2lOdDUwMjAyWURlYzZUMFMzVmZsT3BtVkx2RnRwbWZfRkhUS0ZBOU4waklvcWQtU2V3NnRHZ3N3ZFBR?oc=5) · WGRZ
- 2019-12-19 [Bank on Buffalo acquires Bank of Akron - Buffalo Toronto Public Media](https://news.google.com/rss/articles/CBMikAFBVV95cUxQczMwQWNuWE9YMUFNZEJ4M0ZzMEtPc21KYklqN1cxa1lRbmdUZjdxeEF1TFhCQjE4b2FHUDRVNEp3YUppVkRfbDI3SjJUcXVOcmRhVzdnOFlCamQzXzBGbnowTDhJNEVEME0wRXpfYkNNWExNYXB2U29DLXhVQ3gxZERPc3cxQThVQTRHMkxVR2E?oc=5) · Buffalo Toronto Public Media
- 2021-04-14 [Same as the old bank? Former Bank of Akron employees reflect on transition to BankOnBuffalo. - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNZ3JxbDg2aVBnall2ZGdFOU5EaGdwZWZTXzVDNEN4MlRUUnZQMzdTeUY4aVZWMnFkbjU1TDF4MG5nMkNWS3NOYVRldWtTUEVGeFdlUFdGZFFhLXB2ZFlCWi1uVjU4VHp6eWdIQWpwbVdldzl0bXV1VUdmRENHbmhqandNQ2Z3X3lrdG1kOXJaUlI0X3lRUmJj?oc=5) · The Business Journals
- 2016-09-09 [Obituary for David W. Fish - Ross Funeral Home of Akron](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9ESDVUcFEtXy1jZTd0Qm1zblp1bk5aZWJkYW1NYXFaUzMtTF95enVUYUdreG1GT2hqcXJaRzQ4TGhtRXA0cG5faUppUV9FN2lTelg2RHZsVEY?oc=5) · Ross Funeral Home of Akron
- 2022-02-08 [M&T brings on Anthony Delmonte, elevates Chris Kania for local leadership roles - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPOGtsVVRXLXRpMVByWG5ZNUM4eWRYMnZTV2lTN2FqcVVqYmRsR1ZsWngxSVp6akdDdTFJZE9TbEYzVTdXVks1OHNCQ3FfaTl2R0hudnFGdGRDQUFuMjdHSVpmRkY5TlNTd19qSkFJWmpPSmlxcVYyUFFEcDFtTTNqRWY4Q2JPYXA2YXI0NEIySmhKeDI4YkJsNE9oWnFYbTg?oc=5) · The Business Journals
- 2015-03-06 [Richard FORRESTEL Obituary (2015) - Akron, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYkxkel9jak1OckMxYzR3ZFZwMXB2N3RBbWpIbzR5alNaWTN1VmU4a3JSdEh1R1VzUTJ0Sk5yWW1pbXFKbmlYMVdZaU1zVktqVmEwMlJ3NW9QenhLSkxkY2ZsRWp1WlQ2Q3BpV2dSdHppWlQzcW9JYXd2c3IzWjFMM21ITm90TTlCaUVMcWNVVW5sYlU2cWc?oc=5) · legacy.com
- 2022-06-15 [Bank of Holland’s new chief lending officer sees a bright future for community banks - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNelpiZ0czZ3JfbjFZbzNSMklkcHpJN2RlOEVkdl93Y1dFalZIM2FMb0FBeFAwN3Q5Q3Fwa3FPZ2hpNWZCaVBxcnlwVU10bnpLWU1XMk40UXVzSFZURVFpWmNYdVY0TVljekRmYXpGUjVNOEJ3bTU4M3JTOHZRMXkwc3FJLVVnZUd4anVka2NHT0NqRWV1M196SjZ4R0x4OUtyVWxBVUoyYnk0NW8?oc=5) · The Business Journals
- 2007-12-19 [Cynthia Downey Obituary (2007) - Akron, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPc2Z4MXpTOWJtQ1g2RTg0aDhuVm51ZEQtMUF5WHVuRUctVGJTZjk3VE1WbUVFOE1ESkZOSEZMQnlPZVZNS0tCNVQ4d2xzalJPclRvd0xtY2hndFN0eWJVVHc0MUd3N0dYU05mRUZINjFyQlNDR3QxUC1TTWd3cU9iWmN5elVPN0NUSEVnMVVwaEsyQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13290 (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/42.json (key "13290", 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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