# LORAIN NATIONAL BANK
LORAIN, OH · FDIC certificate 14832 · asset band $1-10B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 2 (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 | $1.24B | |
| Deposits | $1.05B | |
| Loans and leases | $937.9M | |
| Total equity | $130.6M | |
| Loans / deposits | 87.50% (p53 of band) | 86.37% |
| Liquid assets / assets | 19.51% (p36 of band) | |
| Uninsured deposits / deposits | 6.55% (p8 of band) | 24.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.85% (p26 of band) | |
| FHLB advances / assets | 3.80% | |
| Tier 1 leverage | 8.93% (p27 of band) | 9.78% |
| Unrealized securities loss / equity | 0.09% (p36 of band) | 0.50% |
| AOCI / equity | -0.72% (p20 of band) | |
| ROA (annualized) | 0.74% (p29 of band) | 0.95% |
| Net interest margin | 3.17% (p31 of band) | 3.47% |
| Efficiency ratio | 73.61% (p76 of band) | |
| Noncurrent loans | 1.67% (p86 of band) | 0.76% |
| Net charge-offs (annualized) | 0.24% (p91 of band) | |
| Reserve coverage of noncurrent | 101.58% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 32.06% (p49 of band) | |
| Auto loans | $227.3M (24.24% of loans; DQ 0.51%, NCO 0.04%) | |
| Loans to nondepository financials | $2.1M (2% of equity) (p83 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 258 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | auto book souring |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | uninsured deposits leaving |  |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 3 | uninsured deposits leaving |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 2 | capital falling | auto book souring |
| 2014-06 | 3 | auto book souring, uninsured deposits leaving | capital falling |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 2 | reserve under noncurrent |  |
| 2015-06 | 2 | charge-offs p90 | reserve under noncurrent |

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

- 2026-01-10 [Darlene F Bruno Obituary - Lorain, OH (1931-2026) - Morning Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNTElFWm41dzZVLWpnUVRvZW95WDkwOHBxR29laU56LUhuX3U1MVdXTllqbXhmR0dobTBmZWFyWlp3ZVJ0Sl9BcF9vb1k4SXZNd3VCZXo5aDI1Mm11TF8tME5zekRKdlNxSTlxcDVMZUR2TDBkc0VWNEVMZXVHZTFRWm0yVGtuYjlH?oc=5) · Morning Journal
- 2017-10-23 [Northwest Bancshares, Inc. Selects Robert Campana To Serve As Director Following Merger With LNB Bancorp, Inc. And Lorain National Bank - PR Newswire](https://news.google.com/rss/articles/CBMilgJBVV95cUxQcnVHSC1mVExnLWVQeV9hZWlhem5BaVpyQkQ2UXBPTllMZlpTUzlJUWE5NFZPZEI0TERpQ3J6Mm1CaWxjMGlKYjY2dk1ZNFM5Mzl1Y0tQWGVITG9uOTJheW9VZ0hHLTJMTVM0ZktDMlFPZThacUhxWUhCYzlZNjlBRGNEd0pmcDQwVTJZV0pMdG1QOGZIYjFQM2x0cXo3YXJMUTdURWptd0dmZi01VFFvZUJOTEluallMR2p2UVZ3OWdCSks0bENyMkpCX1A0Q0xTdnZHdW0zc1hZVzFwMXhoVmt6cTN3VmtUVlItMldwVDR5NlRVV19TYXh6cFdVQjNWR0JBVC16cjVCOTNLbHNsYk1jV0lUZw?oc=5) · PR Newswire
- 2017-06-07 [All but one Cleveland-area bank now ranks high for financial strength - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdG9KRjRRSENqUEx3ZUZCMHNZdTlEVFduUGg5Q0wzUXptRllQbzROOVBBQ0NELVV0N1dYQ2ZHeDZYVjQzVlhzdmx6UXNRSExoRUlrWm9Ia0tCRVZ5bHpFbGRMN285d1pQRWFCdzRGdEE5ZXBTSWc0TUNXVW5vSk1YVG1venM?oc=5) · Cleveland.com
- 2024-05-27 [Edward Olah Obituary - OH - Morning Journal](https://news.google.com/rss/articles/CBMia0FVX3lxTE44R2trM0d0WWRpdTdzWjBsUm1fcUQtS29acjlQM0ZyNkZaVmw0R0VVUDl6U2Vtbk5seUx4ZU1NS3VpUDBBeGltTnRGYWpSVHdXVEhtNjBFc2JrYkh1NE9uckRzYlB0Nk1uampZ?oc=5) · Morning Journal
- 2011-08-08 [Amy Marie Rottari Obituary Aug 8, 2011 - riddlefuneralhome.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9uX284ZlM1aHVMdDEwdDNFdWNxX3NrZk5ObzFVZGhyUGZLX1dtcEp3YzFFMUFjQk50NFNna3ZSX2pnN3Jhd2p5bW1jcWstcHFGaDViMTI5cERlNF9XV2dkR3pkSkhlQTA?oc=5) · riddlefuneralhome.com
- 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
- 2019-01-04 [Jody Novotny Obituary - San Diego, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSndZaU82Z3dNZHctWXFvSXVVbnJ1V00zNW5HYjhHcUppTmJ5WDZIYkItREJ6ckVEdG9MRDBfU0dBRWIwY1BqMEFzdFEtaV95QlNnSUx1ZVgxUmxOOFNUTDRxRmE4d2FsWE1SNW85dHlwLUIzRzkyTmRXQVNwQUUtYTZ3?oc=5) · Dignity Memorial
- 2022-05-19 [Donna Phillips Obituary (1949 - 2022) - Lorain, OH - The Morning Journal - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNM1RIZFJBNUZmNnJxaEFKbFYwRXZ1ZDJBbG5yZjg5T09acGZLYkFwREk2YlY2TzQxei1iMU9LOEwtUDFWVTM2U0RpV09CZU4wYnVXc2JQbGwzdG9SUG91SWVSendiRWxPaXVnSlJtSmVwMVJNaGlwOUxhSDJ1andZM09vYVlPSGIwX3lpSmxYQ3ZUVUlHX0c4?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14832 (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/48.json (key "14832", 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