# HOCKING VALLEY BANK
ATHENS, OH · FDIC certificate 18858 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $354.0M | |
| Deposits | $312.0M | |
| Loans and leases | $207.4M | |
| Total equity | $38.5M | |
| Loans / deposits | 65.64% (p19 of band) | 82.04% |
| Liquid assets / assets | 37.66% (p79 of band) | |
| Uninsured deposits / deposits | 23.35% (p41 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.31% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.44% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -8.49% (p48 of band) | -8.10% |
| AOCI / equity | -0.87% (p27 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 3.80% (p44 of band) | 3.91% |
| Efficiency ratio | 55.94% (p33 of band) | |
| Noncurrent loans | 0.54% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 230.06% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 26.99% (p33 of band) | |
| Auto loans | $818,000 (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 39 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking |  |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | NIM <2.5% |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-01-06 [Hocking Valley Bank announces leadership transition: Polly Sumney named president and CEO - Logan Daily News](https://news.google.com/rss/articles/CBMihAJBVV95cUxOT2x5cFNST1duT3ZTLTloWU1XYmd2REFtaXFyQkMwQ2NCTFE4ejZwWGZvSHZqUlBUS0VpWkNxb2NLQmVpSjhJWFNGOWY0Q0FPbkJReDB4QTR3T0lKVE50MXhTN3FITkxONUo2SE85XzJvNG1MNDEwNkxzYkg5aWZvSnpSa2FLWnRtd2pEVXNSWGd4cWIzOGxFWHRzQnVPNFBENVhabXlpR2FVQmY0Z0tMaHoyUVEzSTl0M3BrVVI4WTVYWVBnQVhhUXkycUcwZmJsZHdmcldVMlJYanYxVHhvYWFSc1ZUb24zVERXQkhfUVQwME9jY3BnTlZ3Q3pEYVpZTzBSVg?oc=5) · Logan Daily News
- 2022-12-14 [Hocking College controversy: Caucus reconvenes, replaces board member - Athens County Independent](https://news.google.com/rss/articles/CBMinwFBVV95cUxPTVlNVms1bVpGb1BvLUlMcm5vbjY0WXJFZTM2SHI3bl9BTU5pQW84LUxacFZfU2hEcFVUMDhnX2hJR3dQMC1xbW5ZS3dPSU9jZnlvOUI0UURLWTVaVE9LYVFEa0tVcl83WjdqbHNCZmJkamlDTHJJMHJ4cGpLYTMxTXd6TVM1cUxYR196YnFKZ0hHVTlYV0h1VjdBdVQxaUk?oc=5) · Athens County Independent
- 2019-09-21 [Bobo named new Hocking Valley Bank president, CEO - The Athens Messenger](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOYjhYQnI4VUZpWmNiaWNTSHlGYWNjV3Y4NU5hUGk2MFRmUTRpenZlUXJQUnNFNnZ4elN4MmZSVHhicW4zV0hUMlQ5Xy1jNnRPSXdKSDVkLWtUeEFUV244Rk5wcXdmRFZpN1pnb1pJLVZBZHlnWWdqQ092YVVhQXBtWEhIaW1MVzlJNkZzaVBLZDZFa0dLTEN4eVpOSFlCdGM5RVd6ZGZ5RWJNM2tSU09LSTZBS2ZDbFY1dUxhTGoxNGZlNVZiajBQaEs5S1RVVE9KSTYzWA?oc=5) · The Athens Messenger
- 2016-10-28 [Robber at large after hitting Hocking Valley Bank in Coolville - WTAP](https://news.google.com/rss/articles/CBMiowFBVV95cUxOT2tVSktJbzFCMW0zeEt2MXA3dVJtVzBwTGJHNzlpalczM29ibUlIX0loZW13YjV6UFc3WWhGTzNsUFpxblRPRlltVS1tWXlydlZMbGdFYVh4R2JYckczemt5bDE3TU1OVTNPamdqckFBekZpSEpnUG1TWmR0aDg5a1VBRTA5c3ZvN0NBTmhHYVZCNmR5cjJPNi1WQnRlWVdDX1Rn0gG3AUFVX3lxTE9jLVd4ZXZVRHJIbXFlX2hvSlowRUNTTnlUdWhtSHoxOWI3SG5yN1oxczFJSU9XY0dIZUpnSWlIMGppR3hIQXBWWXNBZHZZc1FRejNOOTlBcGxqbVVUQTVWb0JFWjdBODFjcUpIX0dVVFRJZ0luVWFoc2Frdzd4SUNCQ3RCaWxwVnpvR3NhUjlVWEJ6YTFBWkc5aWkzcHdSTnRQdUtYOGNHX0VQVUlQYzVvS0EyZXF4QQ?oc=5) · WTAP
- 2015-06-11 [Hocking Valley Bank Robbery Suspect Appears in Court - WOUB Public Media -](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdWw4LTZEMExtQ3BZcFA3YzNJTXJHblhYVjctdHZDT0J2U2tGalZ5c0d3amZhdzNoUTRKMnY2QkctbXc3Y1g5QndwZXBlbVlzaUNzaDBuMTU5RUp6Tm5WZk55YWx4SV9yODZXQUhyMUlrdW1vTl9WWnpwQVlweTRSeVh1OGVqNEhE?oc=5) · WOUB Public Media -
- 2021-04-16 [Hocking Valley Bank President & CEO appointed by DeWine to State Banking Commission - The Athens Messenger](https://news.google.com/rss/articles/CBMi_AFBVV95cUxObFV2VEV5ek1tdktMQWlkdmJxdUktdmdjT0xSRzBDZWtOb0dNZmdlVVpfRldsMjI0VnFnWWJxeHhTTU9FQ2ZJZjhjcFk5Qm5EMTN3QUVuNWNMUUdsN0FtRFpKeUtOLWp2R1FLaWs4Q2FEeVVhdWlsYW9EcU9VZjJUV3cyNFZ2VUQ1Z1FSNlhUMnNrdDBvOEU3ZHV5aUJkNXpKYTNRMkdoSElVMVA0V2hldVIwTXdRWFE5UFJKYTBNQnlrUEo3NjkxRlBGV0V0LU5ZVDEydzlCU0RRQzhVU0MxQUQ0VkZyV3poeGl0Rk5EREdNbHg4M1VLalBTc2o?oc=5) · The Athens Messenger
- 2015-06-08 [UPDATE: Man pleads guilty to Athens bank robbery, receives 4-year sentence - wsaz.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNaDlJX044TXBnUEROdllycWtzbW1pOTR1a1I2LTJ4dXhEWHRtYlo5c1lmbGt2TUR5TU5aYXFpRVMwRXhmb2c5dXdJTXdPelJiRmI3UHB0OW9pU2FCR3ljUHZEWHZLV2s2M2Nob3ZPQk9TNnVySnVoSi1wQmt0WGJnRXBZdWhTaDdTaVpIT1pUbWR5dEdzTUFlXw?oc=5) · wsaz.com
- 2013-02-21 [Kelly replaces Abel as Hocking Valley Bank director - The Athens Messenger](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQSUZFZzhfeG5YZ2hEVzVJUnZDc2w0SF9MTlJHdnUxMzU3UWRlcGU3czRnc0NQQlEzOGZwRmFzTkFqSlo1eTVXVm1VYWprM0R5TU9iQVVILWcxdGljUmZHTFlDUWtRN2tCdW5IVlYtWGlpekY2RXUwd0VwZWp5Qkp2ZFRZLXRBVjc0SDFtMk1iQVE0SEQwaktBY0hrY2UxcUtGZzlrYkJoNVI4VjkyVFRON3VfMEczQWs0Z08wZ005d2JoanJFWjFCTHBKN29SSG43bFR1SWxfdHY?oc=5) · The Athens Messenger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18858 (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/42.json (key "18858", 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