# NATIONAL BANK OF OHIO
OAK HARBOR, OH · FDIC certificate 14528 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**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 | $228.3M | |
| Deposits | $197.4M | |
| Loans and leases | $177.2M | |
| Total equity | $21.0M | |
| Loans / deposits | 88.55% (p85 of band) | 69.26% |
| Liquid assets / assets | 18.86% (p15 of band) | |
| Uninsured deposits / deposits | 18.00% (p74 of band) | 11.87% |
| Brokered deposits | 3.98% | |
| Wholesale funding | 7.81% (p78 of band) | |
| FHLB advances / assets | 3.60% | |
| Tier 1 leverage | 9.26% (p30 of band) | 10.33% |
| Unrealized securities loss / equity | -0.47% (p51 of band) | -0.53% |
| AOCI / equity | -1.85% (p61 of band) | |
| ROA (annualized) | 0.75% (p48 of band) | 0.77% |
| Net interest margin | 4.01% (p71 of band) | 3.62% |
| Efficiency ratio | 70.28% (p42 of band) | |
| Noncurrent loans | 1.23% (p54 of band) | 1.08% |
| Net charge-offs (annualized) | 0.04% (p50 of band) | |
| Reserve coverage of noncurrent | 108.28% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 17.40% (p52 of band) | |
| Auto loans | $5.9M (3.32% of loans; DQ 2.60%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 58 | |

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |

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

- 2016-01-27 [A look at Northeast Ohio banks that have disappeared the last few years - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRkp6NFMyYXFZekg3X2lGQzVLWkNYSzQtQjhyUC1LcXdEVVV2UXU4Q0dDc1h0VGgtUlNXTC02VHoxQTFHalBnb1h6MllGZTh5VkZJNzJOTFhRVWJDRmQtbkJxY081OWdUNHprOWdRdFA3RUlHdFh5aVZ3UGdKci1fMHFrTFA?oc=5) · Cleveland.com
- 2024-03-26 [Sue Cherry opens the door to homeownership - thebeacon.net](https://news.google.com/rss/articles/CBMieEFVX3lxTFB0d1VjQ1JlQzlBQ3A4Mkx3bmJ1bXVVM1d0VUlLdnBFcW5TWGZ4RTBpTkJOMkJuWDA2OVNmbl95VUQ2WXMybDRmOEJhMWxyVlVvOGlqM3h4ZmRzSHBIXzg4WGhaUjB3Wi12ZHlTX19hWHpVc0I5cEJnZA?oc=5) · thebeacon.net
- 2023-02-04 [Roger and Martha Baird Obituary - Hummel Funeral Home & Crematories](https://news.google.com/rss/articles/CBMidEFVX3lxTE1PMGRYVFQ2d2tudG9JMEpmSTNmRUZoR04yUHZXZUJSanJNQW96ZFJGSW45czFkMEgtY1ZmdzNhNU5xdk9HWldKVGN1eHlvVDFfd1A2ZHpZVS0teEY3eGpZWXAwbDEtQzEtUHNLWldOUWFSemFz?oc=5) · Hummel Funeral Home &amp; Crematories
- 2024-06-06 [Dotty and Ed Morgan Obituary - Akron Beacon Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTE03a1BndTlwcjZQUzdFQ2JqdjhJMUJsX0JHaHFDZXU3YmtvZzFESkFTal9La2w1WDBKU2tTYV84Tnl6U2NfNU5NZlc1SDV5Z3VaM2c1MGMxVU5lWWM2b2FKT2ZB?oc=5) · Akron Beacon Journal
- 2015-04-28 [Trace the histories of Greater Cleveland largest banks (interactive charts) - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQX0VLeVBaNFREOXAza3c4anBLeHR6OW5hcmRVMGgydExhVWNqejVibkQweEJ3NllIbTZoSC12NHljUkNaSDlneVg2VERTaU8yNWF1bHRkZUNvWXhpeW5XLVlsV1lMckxPSmZxRmQ1YW9qZ1ZhODBEdHI3VjdiTXIwWVU0elE?oc=5) · Cleveland.com
- 2002-09-11 [Lois Drumm Obituary (2002) - Cuyahoga Falls, OH - Akron Beacon Journal - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSUJxTFFEQ1AyMFgyLXFNRHFEeFZBR1E2NDRTbXMxSUtZdkVJVy1EVlMxYmVwVWNzWVlEU1p4ckdJYkU1bVI1NUZFN3hEV1ZXUzhNbXNJeWV2c1BJM2E5LWM4NUVhZkF4MHYzOEZ0V29Jbl9xekRocGFIbHR6QjBVQ2JwQkM?oc=5) · legacy.com
- 2026-05-26 [Which lost brands do Ohioans want back? | Mark J. Price - Akron Beacon Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxQWFZVc1lUUVZlQXNIbTZoYTBhNzhLamFlbHowdjhPTVJWOS1nZDBHWlNpRlJtbEFVMHVUX0IwU3NHbWMzWnR3NmxKM2tfdC1WNThfWFpLSHRucEJCNkUxaHY0OG1CQmJMclRWMmFWZU1YSVRDTkxXV20xOE90Rl94dVNnR2RXN1BOSHRWUnZNSW4zYW1ySUlQTnFVeWdTYU1EZUR2U293?oc=5) · Akron Beacon Journal
- 2022-03-15 [Robert A. Handelman (Bob) Obituary - Akron Beacon Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9ITFBDcHBmU2tHMWlmY1FGUllvc3BiQVE1N0FpUjVmWFNBeTFxazlDWHJZQXVIS0F2TjBhTzgyMlQyUm91VTgzRTVGSm1GMXg5bkFqTGkwSVZPRElCTkxaUU5n?oc=5) · Akron Beacon Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14528 (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/0.json (key "14528", 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