# BROOKVILLE NATIONAL BANK
BROOKVILLE, OH · FDIC certificate 14357 · asset band <$300M · latest filing 2015-03 · 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 | $111.8M | |
| Deposits | $100.7M | |
| Loans and leases | $35.9M | |
| Total equity | $10.0M | |
| Loans / deposits | 35.24% (p8 of band) | 70.43% |
| Liquid assets / assets | 65.38% (p91 of band) | |
| Uninsured deposits / deposits | 8.03% (p25 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.84% (p19 of band) | 10.49% |
| Unrealized securities loss / equity | 4.19% (p78 of band) | 1.32% |
| AOCI / equity | 3.10% (p96 of band) | |
| ROA (annualized) | 0.33% (p20 of band) | 0.80% |
| Net interest margin | 2.24% (p5 of band) | 3.57% |
| Efficiency ratio | 79.05% (p63 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.77% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 2083.33% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $2.1M (5.73% of loans; DQ 0.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |

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

- 2024-12-24 [A LOOK AT BROOKVILLEHighlights from 1984 - registerherald.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQc3pGWkszV05kUVhRVmFvTk1SYjJOdnhQa0Nsb0ZvOVA4MWVjVlhOdlFZSGxCc1FEV01NaEdIWHdHYTNjUHpIRkg0YXAyWWlaNzBzYmR5cEc0aEp0U05XZ1lwdzhYYmRONDZoRmRrS0VXbERtNnJiMjVkd09Gcllva21JejB1enpJeUdn?oc=5) · registerherald.com
- 2019-07-04 [Fire at K’s Restaurant in Brookville causes ‘significant damage,’ chief says - WHIO TV](https://news.google.com/rss/articles/CBMipwFBVV95cUxOa2lGUkpNeW12blNoeTdJcHZWVll0SnVSZFBQZ2l5NlhwTWdHckFHVUIxS0c4QmRRM1oyY0FlUndVWllpcTA2THBKWkJLMV9pMWpkdV8yOWc3dmJHeEJhalFBZWNvSTNCcldKemRKTkNmR0RxWEhXVy1BRUt0dGlBdU00NFFHN3hqTGdwZUlEalhSN2tack8yMzQtVXBCU3Q5RXgzNlBPSQ?oc=5) · WHIO TV
- 2024-07-16 [O. Brandt Obituary (2024) - Brookville, OH - Dayton Daily News - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPLXE3N0RqMk5RRzhqOWhtZ3RSSUNTVlM2UG92a2twUmRCMldnMnM4LWU1eFRoWlpMbWI4emctSnB6d05uXzZCMG9haDJYX2NnOGo5TWlKTGI3VTVNc3FMaHNwalFzY0FoTXEzNzRybzdHTXNqbkppamJsbWgtMkRkUTVjQ1Y?oc=5) · legacy.com
- 2019-07-04 [Fire at K’s Restaurant in Brookville causes ‘significant damage,’ chief says - Dayton Daily News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPRS02OE9BSGZGQWFXOFkxbEVJYUxjSlpscmJMbVlMZzJYY0UxQl9ZcVBocHA5aFIwbkNteW16UTByMjl3a0dSbm52SmlYSUJleUdFUjJ1TmFXbkREcUszdGlVaS1JajI1NVZ2NFZxSWpFMGdZR0xGNTNWTUVEdmxsejRUbFNHMnF4eVVjN19nSUN6VkpzMlJkUG1ZSFNxZm5ka2JTd1dGV3dQTV9RZjBKMkRsWm44YlFtak56aGZfdS1xcENVLUFZY3JXaGNuQndZWF9MUFdkdmI0TmwybnhQVjRmZUM5UjlhU19sS2Mydy1XSDA?oc=5) · Dayton Daily News
- 2023-04-04 [A LOOK AT BROOKVILLE:Smith’s Drug Store closes - registerherald.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWjBqMjVxOFFaWUF1aFhKcGlTTDI1UGJ1TGJKeGFZLXNLSWJHVWlfMWVpRVRiWWNtRjVsYmgxd3BTcC1NT1dsQkRtb0pTeVhZNGIwNGpyUXlmQkx6a3p6ZDExTWlobkpPLTM5Mkltb1htZ1Q1NTdGSDdZek1UUEtKd2tQREFWY2tMenRnVnI4clg?oc=5) · registerherald.com
- 2011-04-21 [Glenna Share Obituary (2011) - Brookville, OH - Dayton Daily News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbTExeDR3UnNfeVFtRGhNWWlRMHdlQm1lRHZMRXNPNXVvTnFYT283TFRhNUVNOVJjaERnMWpHUnNWbmZTWnJRc0NpZkttMlRJUUtQcVRVSEl1UVBiRC15WktOVmg4UHg1aVljc2taTF8xS3RLbjExSVllUHlzU0FHOFNuWXhDbFZ5aEE?oc=5) · legacy.com
- 2024-07-09 [A LOOK AT BROOKVILLECharles S. Prass Shoe Store - registerherald.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUVdLS0szLW54dVBUandaZnFzaGpvR25jbEN4Nnk0UkpNUGJnamJ0MnR3OHQ0bkYtVkhxS1h4VUhxZ0lBWGc2MGp3N3haTWNYWDVKc1B1Q2o0Yk1tVU5hWThHY3B3eVB6eUtjV2ZqRmlidmJlMHRycURPcTBDTGEwZ3hLRkduTURCa2tGcDlIU09jaXc?oc=5) · registerherald.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14357 (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/21.json (key "14357", 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