# GREENVILLE NATIONAL BANK
GREENVILLE, OH · FDIC certificate 13703 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $641.5M | |
| Deposits | $541.5M | |
| Loans and leases | $454.8M | |
| Total equity | $80.0M | |
| Loans / deposits | 82.84% (p52 of band) | 82.04% |
| Liquid assets / assets | 25.52% (p52 of band) | |
| Uninsured deposits / deposits | 23.03% (p40 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.39% (p44 of band) | |
| FHLB advances / assets | 0.30% | |
| Tier 1 leverage | 13.02% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -9.83% (p44 of band) | -8.10% |
| AOCI / equity | -0.96% (p23 of band) | |
| ROA (annualized) | 1.68% (p74 of band) | 1.28% |
| Net interest margin | 4.31% (p73 of band) | 3.91% |
| Efficiency ratio | 49.29% (p17 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 2780.27% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 31.19% (p38 of band) | |
| Auto loans | $24.7M (5.44% of loans; DQ 0.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 98 | |

## Flags firing in the latest filing

- none

## 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 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2022-09 | 2 |  | NIM <2.5%, charge-offs p90 |
| 2022-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-02-20 [Greenville National Bank opens branch in Versailles - mycountylink.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOQWNTT3Nqdk5mZjhFcTlJR05ldlhsUUVJVzA0ZmZaeVNpc2xFOUZSWkNZMmVyVTNzN0J2UTQ4VVp3SXl3TVdpaExHbmtJdmd1NWtLNUNiUm5YSUpGZ0VNVmp1bmR1MDVrM1B2MWYwQ2lScXN4RllLNlhMaHd3RW0tdjZGTQ?oc=5) · mycountylink.com
- 2022-03-03 [GNB Announces 2021 Retirement and 2022 Promotions - dailyadvocate.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSlp2Wlg1ZkNUajR2UmJ1eE8ydkphOUFaaXktYmsxZ3RQMHF0RU44M0FsWmx6WEJHTDJPZXJHcmRGN0h2Y3lIWk5sZzA1OVpqSl9nOFlwVk80d2xZWFJ1c0N1S0lJcDhZVm9BNlk0ckZ2cHNWYU5SQjhBWm41UUpUTE1wazk1dG16SDFOU0c5bDBzYUt0dHc?oc=5) · dailyadvocate.com
- 2023-07-20 [One of the region's largest banks begins construction on $1.4M branch - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMXpjNjhxeVBYeVUya1ZDckljT05Tb1JqTnM5TWpjTVVRT2g0MFlLS0pHNlh4TDU1ZGZFSG0tX3l3aXdnTzdqU2NyazFyaTh6SzVldHg2bHlTWWM0SHhHMlF0VFl2SHg4YXFLcEMtTWkxaUJTWXZGbURYc2x0NHQyVGJsc3lHNFl4UTlQdmhTN21tUEh3NHc?oc=5) · The Business Journals
- 2023-01-26 [GNB announces retirement and promotions - dailyadvocate.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQWllBOUlHTFIxdW1nU2tYTmxxemFVNXRwY0RBUXlOOXJNTVdNR2tpMXVwOVdfX3duRHlPRExZWEZ6VDBsZEliM2lmRHFJVURNZEtjTU00SlRBcTRVekxwdUpHSE9NVkRKZlZ6dTAybnFuQUVGMUxmdTI2aFBiVGlPTW1jNzVVb3lWUjNZ?oc=5) · dailyadvocate.com
- 2020-02-05 [Marilyn Robbins Obituary - Greenville, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQc2hic1RPX05YUkJoU3Q1eGJZLTNqd0pjdDdIZVV4OUNPQnRSY3QtVTBvU2JudlRoYTh0M2RQQkFwRFNHZGE5bTF0dUcxbmdPbHlsaXRON2hIOEpKQjBnLW5RZVZmRnlfX1JxRjhsb3BlVjRLM281VFFoeU42ak1BRjBnMUJsdXM?oc=5) · Dignity Memorial
- 2021-10-19 [Cam Dowell Obituary (2002) - Dallas News](https://news.google.com/rss/articles/CBMingFBVV95cUxOVUxlUm9kX0xDblR3S3NYUVNyem5uUVllWW1zTksxSkE5NFRVRmo4aHZZUm5hQi1seU54OWthS0d4OUZaanJLNE1rM01vRHJ6RW9lMU80OTRwTmRXbHRLdnUwbjFxMUFrdnMtRWs4YTBhaE9GNFpaZVJQZmdWc21xWmNlNnF1WnNtX2R3VnNwY3pYUnBVYWloZThfb3NKZw?oc=5) · Dallas News
- 2022-06-13 [Krista Zimmer Obituary (1987 - 2022) - Greenville, OH - The Daily Advocate - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxONFpBZ3duZks4YUc3ZXo2QVpJUTA2WEUyVUZZcnBUV2VVUnU0ZDN5cUY5dFl3RWRJVUFwaHFXRXVxaXplb2VfeW01bDdLajBzZG1iQXBfVDRBblE1LUZkSU44QzAyaDl4UVZhODd5bndka2xoR3d6aGRaTzh2R1VIV2YwVjZUcE5TVXBPalZwdUpIdVBN?oc=5) · legacy.com
- 2022-12-23 [Louis Fiely Obituary - Greenville, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNS0JBSjVOV2xQbHdIYTNJRTRkUVBORzFrSEpLRFdCa1RfcElqdVFuNXRmY0w0S2lEekQ0dkxacVd0OW1DMUdGel9BZ2R6M3UxRVNjajI1WjRxZXVXZGhkNGR0cTlCQV9KZmlreEhuRExmcVluYnlfYTNha2hkZUkzTUdVWQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13703 (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/7.json (key "13703", 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