# OSSIAN STATE BANK
OSSIAN, IN · FDIC certificate 1837 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (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 | $130.3M | |
| Deposits | $117.2M | |
| Loans and leases | $53.9M | |
| Total equity | $11.9M | |
| Loans / deposits | 45.37% (p19 of band) | 64.60% |
| Liquid assets / assets | 54.96% (p78 of band) | |
| Uninsured deposits / deposits | 21.84% (p65 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.54% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.39% (p31 of band) | 10.53% |
| Unrealized securities loss / equity | -1.55% (p11 of band) | 0.67% |
| AOCI / equity | -0.83% (p55 of band) | |
| ROA (annualized) | 0.66% (p31 of band) | 1.00% |
| Net interest margin | 2.49% (p17 of band) | 3.26% |
| Efficiency ratio | 80.79% (p77 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.41% |
| Net charge-offs (annualized) | 0.16% (p94 of band) | |
| Reserve coverage of noncurrent | 209.66% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 0.76% (p19 of band) | |
| Auto loans | $516,000 (0.96% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | losing money, assets shrinking |  |
| 2015-03 | 0 |  | losing money, assets shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | capital falling, NIM <2.5%, charge-offs p90 |  |

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

- 2026-06-16 [Margie Hageman Obituary Jun 16, 2026 - Helms Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFA3UFRyWWpnWjh2RnhQYUtzQUdudFdQX3NPcHByd1Z1Q09xYnNLejZTd2UxdlVkeUdWOG0tTDFSVFAzemdRZzd4T2dRaFRaa3VaSS10anZUQVhuSVZMWnRPSWJUMEZLQUtOMm1r?oc=5) · Helms Funeral Home
- 2024-10-10 [Raymond D. Paxson Obituary Oct 10, 2024 - Glancy Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE5SVFZFMzEwajE0QVdXSUQxLS1sX3hxSlBZY2Y3SEI5ald3RjBUQ3pLdjZNbHlZUGtSakZidFBFdHFCMGl4d3FFN1VUN3pienZibk80dUpMRUNsam5NX1hia2luTzdVX1p1SHc?oc=5) · Glancy Funeral Homes
- 2024-06-19 [Elizabeth Ann (Carter) Aeschliman - WZBD](https://news.google.com/rss/articles/CBMiekFVX3lxTE5IMkZtS1JBWTJBNGxJMUdBTXNEQWlSOGpkU1J3bWltOUdlWEF1bjZSTjRBTlBzY2c1Y3ZPSmd5MmRIU2dUZVNRV2hHYU5oX2VnbGtHb3JSNTNINEdvTzNmQmlpVDE1a0tfR3o3YkNBMVlPMms4X0RvUk9R?oc=5) · WZBD
- 2022-10-10 [Thelma Yager Obituary - Ossian, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5qZUlZMzBuaUpYY3pTcnRTbGVvSmFGRE1lbDJpYmdpQ21FdjBiQVE2VEptX1BVeW53MUJFa1BwRWUzOEVXbmQ2UU1YaVExTUdVQjVZUUdSVnlNbldKb1RVYVBfenR4RVhhS1owT25uYzl4Z25PcDlHX3lWWDBlQzA?oc=5) · Dignity Memorial
- 2016-04-25 [Kenneth "Tom" Terhune - View Obituary & Service Information - Thoma/Rich, Lemler Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE9EQTZaTnhpdFkteGtaenJ2a09RWDQ1YXEyYVUxcEswWll2UE9wZVM2Y1BlZGNaVGtoeVpOcEtqeEZlSnRlQlQ5ajc4NVF4aTg4YXJQVllMb0tmeEVyWWJ1VkxTcXFWR0FGZHJ3?oc=5) · Thoma/Rich, Lemler Funeral Home
- 2023-07-03 [Norma Hemry Obituary Jul 3, 2023 - Helms Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE50R0tjcUJFTUVHVlpHd0xieU5Oc0RnUFRjcFJZMHkzZ3dWU2F1NWx2OVB0MUlXZjlXY2lrQk5sQnRRdmxyS056MmFUR0ZwcWNTWk9UMXF2bFIxNnN3TS1CR3VDeGgzdGs?oc=5) · Helms Funeral Home
- 2018-11-30 [Carolyn Rohr Obituary - Ossian, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1jZ3JYaS1oWWlxYmtObFlWeTN0VmpDZEhxVzN0QUt1cDhrX2pZSmttbDZVSlpBTjdNQVA1bVRPUzlPN1NTMmVDUG9hZmt6a2VGWllZZXV6ZVFOSnNtUmVHYWZXaDBQSU0zMldUYUl4ejk5dFRwalNUWkNFZzdJdw?oc=5) · Dignity Memorial
- 2025-05-20 [Dorothy Henning Obituary May 20, 2025 - Helms Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE5Nbl9uRU9zQmZCSk9HRWNEUm5kTm4zR01pTWkyV2s4YmphbXBJYklTclZDVFAyRndBV2JqczAtZnV2cWMxb3hlN2ZqckRQbFRmMy1sb1dsQVQ3c05JYV9IaVRuTGVrRTZaN0ZDdQ?oc=5) · Helms Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1837 (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/45.json (key "1837", 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