# ROCKHOLD BANK
BAINBRIDGE, OH · FDIC certificate 16193 · asset band <$300M · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $43.6M | |
| Deposits | $40.3M | |
| Loans and leases | $29.2M | |
| Total equity | $3.1M | |
| Loans / deposits | 71.74% (p55 of band) | 68.34% |
| Liquid assets / assets | 23.67% (p25 of band) | |
| Uninsured deposits / deposits | 9.89% (p14 of band) | 19.21% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 0.29% (p40 of band) | |
| FHLB advances / assets | 0.16% | |
| Tier 1 leverage | 7.55% (p2 of band) | 11.20% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -21.45% |
| AOCI / equity | 0.00% (p30 of band) | |
| ROA (annualized) | 0.04% (p7 of band) | 0.98% |
| Net interest margin | 4.45% (p83 of band) | 3.56% |
| Efficiency ratio | 98.13% (p94 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.19% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 67.14% (p81 of band) | |
| Auto loans | $202,000 (0.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money, noncurrent p90 |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 6 | charge-offs p90 |  |
| 2012-03 | 6 | expense ratio p90 | capital falling |
| 2012-06 | 4 | uninsured deposits leaving | noncurrent p90, charge-offs p90, expense ratio p90 |
| 2012-09 | 9 | capital falling, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-12 | 8 |  | charge-offs p90 |
| 2013-03 | 6 | charge-offs p90 | losing money, capital falling, expense ratio p90 |
| 2013-06 | 5 |  | uninsured deposits leaving |
| 2013-09 | 5 | losing money | deposits shrinking |
| 2013-12 | 3 |  | reserve under noncurrent, assets shrinking |
| 2014-03 | 1 |  | charge-offs p90, losing money |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | charge-offs p90, reserve under noncurrent | construction >100% equity |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | construction >100% equity |  |
| 2015-06 | 4 | uninsured deposits leaving |  |
| 2015-09 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | construction >100% equity |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 4 | capital falling, expense ratio p90, noncurrent p90 | uninsured deposits leaving |
| 2017-09 | 7 | losing money, charge-offs p90, construction >100% equity |  |
| 2017-12 | 7 |  |  |
| 2018-03 | 5 |  | capital falling, charge-offs p90 |
| 2018-06 | 5 | brokered >10% | construction >100% equity |
| 2018-09 | 5 | liquid assets <10%, uninsured deposits leaving | noncurrent p90, brokered >10% |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 |  | losing money |
| 2019-06 | 5 | losing money |  |
| 2019-09 | 5 | capital falling | liquid assets <10% |
| 2019-12 | 6 | liquid assets <10% |  |
| 2020-03 | 5 |  | liquid assets <10% |
| 2020-06 | 5 | loans exceed deposits | uninsured deposits leaving |
| 2020-09 | 4 |  | loans exceed deposits |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | leverage <7%, charge-offs p90 | expense ratio p90, losing money |
| 2021-06 | 2 |  | capital falling, leverage <7% |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, losing money, expense ratio p90 | charge-offs p90 |
| 2022-06 | 4 | leverage <7% |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 | deposits shrinking | capital falling, losing money, uninsured deposits leaving |
| 2023-06 | 2 |  | leverage <7%, deposits shrinking |

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

- 2023-02-21 [Powell's Buckeye State Bank expands to southern Ohio with acquisition - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZmY2MXh1dElCMVFoWkdfUFhqV3dyTjYxT0RyQjRiMTk2cFVCbXRxVHZNXzluTzNaMTBaX0NaUVExYnJkMFFaWkd0RlJOLU1tY01kMk90THBGMllwNnEyWlFodXJsVGVCT2V3YTQtcUhzQUZhN3kxN0ZrWldDdFlLZ3JhTkxDRld5V0U5MXlNZnNqSHB0WEVSWDYtN0RkR3g1?oc=5) · The Business Journals
- 2023-08-16 [Central Ohio community bank expands southward with acquisition - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQMmsxa1VlWllfcnhybXVnNkliZ256SGNiNktXQTF0aGtqRW5PME1BdC0zWU1hdURXYVg1QzF5YkU5cVQtR1d3ZE55eTZlVU5sVWtVeUEzTFpISzg0SWt3ajdOS0wwUnNJN0YtNkNpdWEzRk1laktLVW9IWWEtb2h4VElwYVFLSzlMdnVONEdvaGJ5YXFlaTVXc1hqUW5ZS0dC?oc=5) · The Business Journals
- 2021-08-26 [Steven Drotleff Obituary Aug 26, 2021 - Haller Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE51c3BBanQ3dHdtWmE0TkRDekR4eG9HR1g0cndwOHBhRkJTaC1pU28yY1R5OUVTdzZaVHpHRFFqcWVJblJKdnRpZldjQ1ZvUzJVa3lnU2o4OHNGdUpIbGtSd0xlQ2lSRzZSN1VJMA?oc=5) · Haller Funeral Home &amp; Crematory
- 2021-10-13 [11 teens compete to be new Fall Festival of Leaves Queen as event returns - Chillicothe Gazette](https://news.google.com/rss/articles/CBMiygFBVV95cUxQSm1BT1dSREV3bHEtREktVVRyQzh1MnpmWkxJMGwtbHVEaFVIal9raDZ0ZGpUQTdmYWNxQjNfVF9KbzU0OXBERzF2Umh6dHNHS0FfOG5DdXlFd0E2NlhNUFhpSUtmRzR6N3hfM3RCQjllcDZlUnFtSHc3OExUVmRscXFocnJ5VW1NckFMTGRYVEpHSlZHdW5Na05qRm42SWlJNkJ6bXBzVlc0Z1hEamVFRUJIenZGUzhZWlh2ZUQ0SFlTZXNPdDUwa1pR?oc=5) · Chillicothe Gazette
- 2022-10-10 [Miss Fall Festival - The Times Gazette](https://news.google.com/rss/articles/CBMia0FVX3lxTE9QZTFaSG04eTcyVUhwT2M5TFhJYVEyWm1LREVVWC1JSlNoSUp2enVwNDlSaDJFZ3g0NnpsOUJPMGdzQ0xCT1NJLTJNTXFLNDBQdnI3RmZYNkhRcDgzaE9yVUFQOFhITTZxOVVJ?oc=5) · The Times Gazette
- 2025-02-20 [Buckeye State Bank adding branches as it aims for $600M in assets - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZWJHRlJ4SkRUNXhObEt4ZzVNaXctWWVYVUJPMDFHWG93QTJjLTROejBETWVHSlVjOU9fbUZZaGVhZHhMVHZaQkN1R3lDY2lna1p3TFFsM2lXeW5WV2FNX2o5T0NMd2p0clIzYWd1YVgyV3RoX3Jua2IwUEVnMG0wNElyeXh2VU9tWmJycjNnNUU?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16193 (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/1.json (key "16193", 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