# CROGHAN COLONIAL BANK
FREMONT, OH · FDIC certificate 13341 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $1.41B | |
| Deposits | $1.09B | |
| Loans and leases | $893.8M | |
| Total equity | $141.9M | |
| Loans / deposits | 80.84% (p35 of band) | 87.10% |
| Liquid assets / assets | 31.81% (p78 of band) | |
| Uninsured deposits / deposits | 25.23% (p31 of band) | 30.76% |
| Brokered deposits | 2.12% | |
| Wholesale funding | 14.21% (p78 of band) | |
| FHLB advances / assets | 9.19% | |
| Tier 1 leverage | 10.13% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -17.85% (p23 of band) | -7.75% |
| AOCI / equity | -0.41% (p42 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.26% |
| Net interest margin | 3.75% (p53 of band) | 3.70% |
| Efficiency ratio | 59.55% (p52 of band) | |
| Noncurrent loans | 0.08% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 1444.70% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 77.11% (p76 of band) | |
| Auto loans | $42.5M (4.75% of loans; DQ 1.31%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 207 | |

## Flags firing in the latest filing

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

## 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 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 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 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-29 [Croghan Bancshares (OTCPK:CHBH) 24.4% Net Margin Challenges Long Running Earnings Decline Narrative - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2026-05-21 [Steven Futrell Obituary - Columbus, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMUNjTjRZNldYaWdiSGVpNlAwTWpfUHM5blZyaG9WVmN6aFhUV3VucUxuc2dUWDg0U1dBNFR6MTFtdUVRZnk4dEs4OVBtcURnQmtqdXpubmNzLVNaUFhkbGRob1N3MjdQenVYT3dwN3dfODhwOXoxR0pfU1JwVFJPckl4SEk?oc=5) · Dignity Memorial
- 2025-09-17 [Croghan Bancshares, Inc. welcomes Leah Luzier to its Board of Directors - thebeacon.net](https://news.google.com/rss/articles/CBMinAFBVV95cUxNc3hGck9ndC1ISWNGeXNZbF91aHhWZ3lhVzVfZHFpRVZ5YjZnSFRVZzRzMmNtNzU4ZEIzaE5GWFhkZWQyR1NnajRBUDVPREJ3MkhocGlHNTZpVHU1b1F0LXZUSzk0RWhwSWNqSTF0RXB1MzVxMkI0cEZHOElBa1FXY21BTUl2VUU5ZUpZVlViVnNpS2MxdEo4SmU3RVI?oc=5) · thebeacon.net
- 2014-05-06 [Croghan Colonial Bank adds to division - thenews-messenger.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPaTVZVURXeHpBUkdBdE9oWW5wUzhYTEEwSG5xZEVjM1hTUVhRdkM3bnU4UTNsLVNmV1lMWF85Z0hwcDlwc2JEQTRhaG5mSGU2VzZuOWVzY3o3YXI1Z0Q4eHZXNUxhVmVMZ09zYXR2Z2FDeUJFUzYzdlFLbzZqX1ZCNm9lQjl6YlBfR19qNkQtWFdoNVRVSXlKS0laZTUwenFNV3AtTm9B?oc=5) · thenews-messenger.com
- 2021-10-27 [Croghan Colonial Bank adds drive-through lane - thebeacon.net](https://news.google.com/rss/articles/CBMifEFVX3lxTE13TjIwZkVyXzMzczNwdlFjbHFCV2N3X2FiTFZHVENCTThkSm05WWw4TmhET3NQZ0dVbWdlNzlJMFRtcHJqb2lMU1d2WUQyTFViLU1TWkZ3MjNFMUNPNTZ3TlRsZ0J0d0VjT0FOMmR6YVhtdVFSM0xzVjItejk?oc=5) · thebeacon.net
- 2021-12-07 [Community Roundup: Croghan Colonial Bank Fremont West celebrates re-opening - thenews-messenger.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNOUF6dmpVaGhSZ1NuQTlwamRYRWVpNkgwZVMtWkg4aE1WZ3ZaVFFjX0gyQUk1NmxEdUk0bXJWclJxUXZsYkNrTXVyRDF4a2dWdTUtcGtSUEFMd2ZxUmpnbGFqZG95bExkNFpRV0o3eXRvVXZEaXRNYjJ2MG5lQzdKU3hjdDFocFhNVVBIZkFWWEhETjl4YW5PUVRiZ0lxSDExZW9oS0V2OXlSNVFFNmxzT3BjX0hWU0JxSXIwc21JbXdlbS1YRzdsMEFvOHYzZ292cWozVWEycWlYUQ?oc=5) · thenews-messenger.com
- 2023-06-11 [Nancy C. Roddy Obituary Jun 11, 2023 - Herman Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTFAxcHBzT29wekpTbC16c3lpMXljMjE5T0Npbmd6WDlndC01S1NZYnlKTnVaQy12VFZQOGVOWGNJWWhxNks3UWhMd2c2NDFkODZaWl9QbnFha3VnUlU?oc=5) · Herman Funeral Home
- 2017-10-06 [Obituary for Stephen Alan Kemper - Foos and Foos Funeral Service](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBIWU1peWJvU3ZOZHZQWlllNnlKT1hoZE1GSzlvM0R2MUY2ZmpWbnBMZ3h1RzhQSS0zcERpa0FyQmgtQUl1UFYxX29YVGVVTHAwbHN2V0RrWU1TcnlBbW93Nw?oc=5) · Foos and Foos Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13341 (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/29.json (key "13341", 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