# HICKSVILLE BANK
HICKSVILLE, OH · FDIC certificate 16370 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $220.6M | |
| Deposits | $198.3M | |
| Loans and leases | $135.2M | |
| Total equity | $18.0M | |
| Loans / deposits | 67.50% (p41 of band) | 73.59% |
| Liquid assets / assets | 34.31% (p54 of band) | |
| Uninsured deposits / deposits | 8.67% (p10 of band) | 19.81% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 1.09% (p54 of band) | |
| FHLB advances / assets | 0.91% | |
| Tier 1 leverage | 9.37% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -20.44% (p22 of band) | -6.57% |
| AOCI / equity | -1.08% (p26 of band) | |
| ROA (annualized) | 0.59% (p21 of band) | 1.17% |
| Net interest margin | 3.41% (p26 of band) | 3.93% |
| Efficiency ratio | 76.53% (p73 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 68.66% (p87 of band) | |
| Auto loans | $634,000 (0.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 4 | noncurrent p90, charge-offs p90, assets shrinking | uninsured deposits leaving |
| 2014-06 | 2 |  | noncurrent p90, assets shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | capital falling | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 1 |  | capital falling, construction >100% equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2026-06 | 2 |  |  |

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

- 2026-04-30 [Indiana credit union to buy Ohio bank - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdENva0ZZYkFiN3BPWmVvS3lrVmd0R0RtQUszamd5U3E0VGFKcTNwbjllTXBDQzcxcldGUGNrYUVtM0s5bUpHTkxYc3dYZDl6OWxGbmNhUkc2Sm5DcGh1NC1BZzZQWm4tYWhxWXZTRHppd2x5TWhOUWx1Q1JfSHN6SFBOVnhTbzA2SmJzdG5uMjA?oc=5) · Banking Dive
- 2026-08-13 [Bankers Lose Key Round As Ohio Clears Path For Interra’s Hicksville Bank Deal - cutoday.info](https://news.google.com/rss/articles/CBMitAFBVV95cUxOX2FGSHU5WWloM0s4VGdpdm92dWJTdVE1M3JoV1B6UWlOOVhFMkpXc3lOb1g2V2lPNEE3cW9fM2N6bGFQSEJyTnMtVVpUT1FwSVl3UnYwWFZIMTgxdXdMYW1BRmZ5QWVIU25LX3d2SlJSQ3VIZTdYTUl0UHJoQUJ2Tmd3RWdPWHFGRFZCYXA1YWllTWpicTJjV0toc2k3Xy1lSUg0Y2x0dlZyVEl6djFWV01vdDc?oc=5) · cutoday.info
- 2026-09-08 [The Hicksville Bank Joins Defiance Area Foundation Gala as First-Time Sponsor - West Bend News](https://news.google.com/rss/articles/CBMitwFBVV95cUxOWUJaM2RDV3JNMVRTZkRHbUk4VGFhUlR5ck9KZTNwQnFlZW5HcTlrY2tiekJJN3FKTEVhU0Rxd0lEb3o1QnZJam5VVGZsOXZBcXFCeDBEWGdlUHNPcWtEekluQ3BpOGQzaVRVVWgyNHFvSWdvYzN4V2FmemJ4OUlxOFYzWFV0X0RZMmprSDJOaVZmeElmeUl2cWNidTZZY0l4LTd2V2FES29vemJFOS01ajV5dF9LcUE?oc=5) · West Bend News
- 2026-05-21 [To the editor: Hicksville Bank’s out-of-state sale threatens community - Toledo Blade](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQYnJfOWgtcUFlOFR6ZC1TTnJXbzRVZTY1VU9OVzRqVkQ3cEZVTEFuWnVHU01QQ295bmJ0cmlSakJneU5oVnI0c3hCT3ZpQWlUNzV4SWxvQkpjQ0tuTEpQMEJsMmRKVkd1Q0k5QXEwYlhTXzlIRGhEQlE3TWZheFY2dmlMOFVXYnRlRWJvSWRhZGY2M2d1cnRweWFZcDYzQkEtTWdvRWhCYmJQSlEta1FzV0lQb1A5ZE9ZeGVZTW5LcHhPOWw0TnlZb2Ytd2NBU2RYM2ZKTjhReXlRMUZjUFdabnVuN3hid3hySk1NMERPcw?oc=5) · Toledo Blade
- 2026-05-27 [A credit union’s offer to buy an Ohio bank is causing major controversy - Crain's Cleveland](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdDRiMTZ6cmxvR1lvX2J3RWp5NXNYc3lpSkJvYkwxcmhiV1hpZHJXdHBPMlZYQWhBalJIeE1ibnM5TF9raUpBa2l3TnhFdnhlOEpoUG11QnlQSjFWbURGajBfdVo1TWtLLW5WX3kyUHdvUDNDYjltWlFoVlVjM1JPZnZUSVhGUmdhek5Sal9rbHo1cTBjSUM4?oc=5) · Crain's Cleveland
- 2026-08-14 [Interra CU's Proposed Hicksville Bank Acquisition Clears Major State-Law Test - CUTimes](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMXhveHQtR3JPbHpOcnVXeDNnekZWSWYyQVpCYWZGekZ0VlNPRllHb1BLTjdjOGJ4RERwUmoybTN3SF95U0lzSzFraEh2czRYN2w4dU5vN1lpank3ekRRYWlibzl0YTlER3I3YUREcDdsZEY3Y3ViQWJWMVZZYXRwa2l1Tk1uSTVFSi1YNHR1MElDQTRCQzFCazVJOF9CTXFvejhncTJadDBaY2RhdnloLXRR?oc=5) · CUTimes
- 2026-08-13 [Ohio Credit Union League Statement on State Confirmation that Hicksville Bank Has Authority to Sell Assets to Interra Credit Union - Mercer County Outlook](https://news.google.com/rss/articles/CBMihAJBVV95cUxNSVVLZGpPSGZIN3NSelM1MU1GOEU4QkZSaWZLMDAzU0lpNVpPNEpvemxoUDFVWkJzX3Z4a2I2NXNEa3N1aERNdzI4Wld6WmQ5WDFHMzN1S1BGbnJwUmhjMVZxZ0FxUjJUdW5jY25PZTNuVW1kUmtCNU83TXpLcjktUktWOTBBYk9ITjFKMFlDYmpqc2JKSm5IWnlxRDBvTEpKeExXazhReUdseVZVdnhWNEZfU0M3Ujc3UnFmX1hDSTdZaVZ6TFdsNjBBMHhuNnFJVVdWWWt0c3NDUXctcVhvaG5GMGtVU0J2TTVQNzhWZHRCdzBkdzdIaHBNVkZDS2dPWVRLNw?oc=5) · Mercer County Outlook
- 2026-05-11 [Letter To The Editor: Proposed Hicksville Bank Acquisition Deserves Serious Public Scrutiny - The Village Reporter](https://news.google.com/rss/articles/CBMivwFBVV95cUxQbW92NU5sUE9RcE1PZG1XMDRjWUQwR1lsbGUzS01HUnB3cnNXLWU4TGlBWWN1b3lCOGVydE8tUHZoZm1IeFZtSktrZ0VJX1BEc2VJRGVRR0JCZWJyYnZNZ00wSFN4MTU3eWNWQnpUY0FtT0pYWnpndnZ0aUtkZ1hHT3ItWlZ0Q0Z1YWF0dkV1VjBadGRNYWZqOFN6bjhYMnhsWWlTQ2hueERpcVpPTUdXNUJhSWFQaUVUSW5PTktCWQ?oc=5) · The Village Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16370 (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/50.json (key "16370", 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