# HAMLER STATE BANK
HAMLER, OH · FDIC certificate 14920 · asset band <$300M · latest filing 2026-06 · live

**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 | $125.3M | |
| Deposits | $107.4M | |
| Loans and leases | $87.0M | |
| Total equity | $16.9M | |
| Loans / deposits | 80.13% (p62 of band) | 73.59% |
| Liquid assets / assets | 29.17% (p42 of band) | |
| Uninsured deposits / deposits | 10.27% (p15 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.34% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -7.29% (p48 of band) | -6.57% |
| AOCI / equity | -0.45% (p47 of band) | |
| ROA (annualized) | 1.27% (p56 of band) | 1.17% |
| Net interest margin | 2.93% (p11 of band) | 3.93% |
| Efficiency ratio | 54.06% (p21 of band) | |
| Noncurrent loans | 1.38% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 81.60% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 2.37% (p24 of band) | |
| Auto loans | $1.2M (1.34% of loans; DQ 1.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |
| 2017-06 | 0 |  | capital falling, charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 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 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2024-06 | 3 | noncurrent p90 |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | NIM <2.5% |
| 2025-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 1 |  |  |

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

- 2015-02-26 [Willis Fintel: 1928-2015; Hamler bank chief rose through ranks - Toledo Blade](https://news.google.com/rss/articles/CBMisAFBVV95cUxNcTVfRHRWT2RlSkVtYUFiNlgwZ3NhaEpFYXFaZEE4V2RmRkhybUUyNXZycDkxNjhhY1dZa2VhaVF1YW9VaXRRZkxmMHFNT3I5Vll5azZIb2NyZEwtRWpseHZiekZSM1lxNV9IWnd0emtqdmc0MjJUX3c3SklzNVJrMlFUNmV4NVNsdTBYSUpRa05pbXctamlROUs4bDZnTEVrbE9BcmpPWUptRGx1Uy1FQw?oc=5) · Toledo Blade
- 2024-08-07 [Obituary for Willis A. Fintel - Hanneman Family Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE51VXY4WDA4NDFTMmJzQ3d3aFFFUnpZMm1YNnBMcjhJbGNCN2c4MTlkdFBONWp4NXJPZ1dDNXB4RjgwN1VXd3lnSDBFRGtMWmpVeld6eGhXQ083Rk1RQjlyZFQ0OG9CbEwzdFJ3?oc=5) · Hanneman Family Funeral Homes &amp; Crematory
- 2022-12-06 [John Francis Wilhelm Obituary Dec 6, 2022 - Love-Heitmeyer Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5NQ2tUbnhzT2ZCcExWMTNxN1pKSzhKRUJrUUpXUE1MNURoZ2RPTFVsN3plWFVlS2JWODh1TzdaLXBndms5cmtyMk5ncFRreW9qU25SZVdQbU4tYl9nX010OTVkWQ?oc=5) · Love-Heitmeyer Funeral Home
- 2021-12-02 [Gov. Mike DeWine names new leadership at the Ohio Department of Youth Services: Capitol Letter - Cleveland.com](https://news.google.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?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14920 (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/8.json (key "14920", 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