# HENRY COUNTY BANK
NAPOLEON, OH · FDIC certificate 15384 · asset band $300M-1B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 7 (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 | $315.1M | |
| Deposits | $271.1M | |
| Loans and leases | $175.5M | |
| Total equity | $20.6M | |
| Loans / deposits | 64.25% (p39 of band) | 70.32% |
| Liquid assets / assets | 39.48% (p64 of band) | |
| Uninsured deposits / deposits | 35.32% (p74 of band) | 27.51% |
| Brokered deposits | 1.87% | |
| Wholesale funding | 8.76% (p84 of band) | |
| FHLB advances / assets | 6.89% | |
| Tier 1 leverage | 8.56% (p19 of band) | 9.86% |
| Unrealized securities loss / equity | -60.68% (p14 of band) | -19.94% |
| AOCI / equity | -50.81% (p15 of band) | |
| ROA (annualized) | -0.34% (p2 of band) | 1.00% |
| Net interest margin | 3.03% (p37 of band) | 3.20% |
| Efficiency ratio | 116.52% (p99 of band) | |
| Noncurrent loans | 0.25% (p49 of band) | 0.26% |
| Net charge-offs (annualized) | 0.35% (p98 of band) | |
| Reserve coverage of noncurrent | 303.89% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 53.01% (p53 of band) | |
| Auto loans | $9.7M (5.52% of loans; DQ 0.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | charge-offs p90 |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 2 |  | charge-offs p90, capital falling |
| 2016-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2016-12 | 3 | noncurrent p90 |  |
| 2017-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 2 | wholesale funding >15% |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | wholesale funding >15% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 7 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90, charge-offs p90, assets shrinking |  |

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

- 2024-09-26 [The Henry County Bank now continues under Civista - Northwest Signal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNa2lYenJfdE93Y183dnd0SE9fcTNrckx0dW8xMTNYWXhNd0JyWVRRNDdNWFBJMHlmSHIzUGdzYVJqdmZqT1FFZEhWWVB0MGlyMExzM0l1RGQyYW9FTDljaXd3V3hQWkhOTTNGNmpXS3ZjTmdZdmktTHZCeGM4X0pXcHBDdVJMSkVD?oc=5) · Northwest Signal
- 2022-01-11 [Civista Bank enters Toledo market with $50.2 million acquisition of The Henry County Bank - Crain's Cleveland](https://news.google.com/rss/articles/CBMitwFBVV95cUxQRlBFRWlfa1pvMFlwSEIxV25XUkVHT2NTc1oxLVpvVGJ3dVJ5aUxOaHpjMm1mTUpJTENsNDhoblVFZENSV0VKVFp0OVM1aUV2NXkzcEc4RDB1TFBfa3AtTXBrQXliR3JXVWx2VTl2NFE0Qi1RdTRzYUtaLXpJMnhILUtzZzZJTnBNU3I4cEU4MTg0bl9Sbk1ZQXFuNEpiTy1PSXE0NTdMbEpEWVZ2el9WZHZqREt5ZVE?oc=5) · Crain's Cleveland
- 2026-03-03 [Ohio bank taps next CEO - Banking Dive](https://news.google.com/rss/articles/CBMijwFBVV95cUxPbl84RVJnaHhJUmtieU1BdnVyVzFqdklPVHB5b1AzYkE0QnR2S2NvZXFXOFZoeWQxQkMydjg4Mzd3YV8tWHZ4THNxbFU5RGI0U0VvNlJKN0w3OHo0WFJpM1RJTXlCck9IanlpYUh1MGlfbEZiTlpGcm5Qc1Zqd1czeFN5N3pyS0s1SkhSeGdhZw?oc=5) · Banking Dive
- 2024-10-09 [‘Suspicious package’ found outside Henry County bank - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2024-04-18 [Woman drove mother's SUV to rob Henry County bank, police say - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbm9jeFB4TVNxR2RNaGdrU0pGb05mYnh4ajZWdm1GcDlEaTh0RDJDd2FDTHFnTmFUbmVnb3habHg1Q0g4THJRNXc0SC1MaXlPYzJ0UDVlcEkzTUFXa0hVczFNZ3k3aDJSaWRycl82SWd5R1hqdFY5cHR6Yy15YkNhZHpPclBHcF9zOVJfbUYtMmRXUUdUVHI4?oc=5) · FOX 5 Atlanta
- 2025-07-11 [Ohio bank to acquire in-state peer in $70.4M deal - Banking Dive](https://news.google.com/rss/articles/CBMiywFBVV95cUxNNUVKZlctdE96enlhSERhX0d2ajY1UU83LVZTR3QzeGxVUVNJNDMyaERFak92WDlWQmREMThVNkxfNElqN250SmhMZGN6d2VaNzk4ZWYzZ0EySzcwTG8weDFrSnZVNWVLUWtEVU1xVUZJRTdJWmtBUElBaGF0dWNZUHFGUmFGR19yX3dCRXhCSDBtVHdqMzN4SXZjTktpYXBVc1FMZmY5OG83dnRJOERMZVNweHJuM0JjSGFLQjhvYnVJM3kzNF9RVHROTQ?oc=5) · Banking Dive
- 2014-06-26 [Woman arrested in 2 Forsyth Co. bank robberies - WXII](https://news.google.com/rss/articles/CBMikgFBVV95cUxOWV96amhHaVRFOWlYX28ybVJaNWV6UWFUTzB6UER2M3A2NFVudEJwZ0tLRnVXSWtxY2RkazBYMGp5MV92cEJUZFBtamxGbDVwOG45eTNXTHQ4MWRiXzVqdVB0M2tMTHJ5Ym8wYnRrd0laaEROMkNGekJRdmlSRnBqZnZnbkFVM2RUd0hiNHZ0ekx1QQ?oc=5) · WXII
- 2024-01-12 [Peggy Wendt Obituary (2024) - Napoleon, OH - Rodenberger-Gray Funeral Home - Napoleon - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1VTEVxdDluM3NwRUc5bkF1Rmt2Z2FWZU9FN2xDR0ZVMnZtbHRuR2xpMS1XVWFXZEpqY3o5Q3lyeGJHbElDVTJQV281ZG9weXJQYjdrX0VTb1BFWDlVNEZ5djcxbkdHMzIwQUt1Q2JFX1ZUMS1GNko2Nk1ieGdwQlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15384 (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/24.json (key "15384", 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