# PACESETTER BANK
HARTFORD CITY, IN · FDIC certificate 19340 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $134.5M | |
| Deposits | $119.8M | |
| Loans and leases | $77.6M | |
| Total equity | $14.0M | |
| Loans / deposits | 63.97% (p42 of band) | 68.67% |
| Liquid assets / assets | 37.85% (p55 of band) | |
| Uninsured deposits / deposits | 14.97% (p65 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.18% (p50 of band) | 10.18% |
| Unrealized securities loss / equity | 0.93% (p76 of band) | -0.21% |
| AOCI / equity | -0.74% (p72 of band) | |
| ROA (annualized) | 0.46% (p29 of band) | 0.77% |
| Net interest margin | 3.48% (p44 of band) | 3.59% |
| Efficiency ratio | 78.27% (p60 of band) | |
| Noncurrent loans | 0.67% (p38 of band) | 1.13% |
| Net charge-offs (annualized) | 0.52% (p90 of band) | |
| Reserve coverage of noncurrent | 182.01% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 2.44% (p22 of band) | |
| Auto loans | $3.5M (4.52% of loans; DQ 2.17%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 20.7% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | charge-offs p90 | capital falling |

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

- 2016-07-22 [Hartford City’s Ted Leas retires as bank executive - Hartford City News Times](https://news.google.com/rss/articles/CBMi4AFBVV95cUxObHMtOVJXc3RMSTdDbkZtLU9NY3J2ZEpWTUZreTN2NFl6SlYwSE9SSWx4cWx2aVNlbFNHS0RHU2RJeHI1UXNndVZ6R1EzS0ZmSm9WVTlsNjUzWVlwcE5IMDVBcFkwam5uWFBub1J0WmlBWGxKQXV1clNXLUZfeGFicHhZZEJZZWZCeTZUbm1BcWZhNXJMUHNocXE0cV9lTEJXS1owS0UtcTRObmlqRkcyZFdNUGFabjRwdTk3cnVTQVVQZHpNWWpsU3M1S2ZlMVRUQzY1QzF4Z1AtZFhkaUVhMQ?oc=5) · Hartford City News Times
- 2016-09-04 [Peter A. Correia Obituary Sep 4, 2016 - Reynolds Jonkhoff Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE12SGZhank3VHMxYlJmd3FzQl9iOGR5aGFBQzhlV2FydXFoYk5UWDdZaU9BUXBjZ2plRWFScmFJd1lzOGUyX2l3UF9Gc2VIY2RzWHVkTXl6bm1rTUQ0NFF3bHJBZFVtUTVPQ1E?oc=5) · Reynolds Jonkhoff Funeral Home &amp; Cremation Services
- 2022-07-28 [Patricia "Patti" Ann Leeth Obituary - The Star Press](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9jSGM1NUZqMVNURXRtaEx2U28wa1p3Sl92WGZWUFE2aTZ5MnZVM2tkZmJ6SVhqSU8tSDVmOHF2U1N0Y1lXRFN6UnBBN000TUVxM0Nsd2w4a09wcmdVQkE?oc=5) · The Star Press
- 2007-09-09 [Obituary for Thomas A. Wagasky - Klaassen Family Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE9YVy1oX213emRCcDhpbUxES1JMZ1RQTVd6dGxVci1XYkxscHMwdmFpNUlMTjNid01pRGhpbHliR29mS3VkekVFUjdHdTYwSVh6cUR5ZE54bjlHOVMyQWNNdWd4cDc5UTBPVmVB?oc=5) · Klaassen Family Funeral Home
- 2013-09-06 [Mark and Sarah Ellis partner with the Los Angeles Dodgers Foundation, Reds Community Fund and Rawlings to provide specialty helmets for youth baseball league - mlb.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNbWZ3ZEV5WFloWjY1TnBjSnFDRkYzVzd5MkpRaTJLa0xFclNjREh0UldySTRZeWs5ZmRfbHBaeFVrYnVTWk4wNmljWW0tQm9pelNxWm5HTDdPNUNwWlVHMUVLVWFqcktjSGZhQTM3cGJuU0FxQlpzejFndzY5VXJCR3ZBTlo5QVBzYXZpMUI1bDRYUnVPcGxqbkxwdXVrR0hCQWc4LWlyaGNQVC1xLWNhMThpbGFKNTl5aFltLTlKNktOZw?oc=5) · mlb.com
- 2025-12-18 [Donald Walter Obituary (2025) - Mt. Vernon, WA - Kaniewski Funeral Home - South Bend - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQQWlQclhfcHY5eW5HNkJ3VWo5TFF0aWZ3VXZLelZxLXJTMUxzSXR1QjlPTVpYNzBEUGpqLVlyTmp4REtTTjZ6X2hILVhuejFzdDdQeUtBTjNNWWs5VU1VamZLQk1MZ2ZaLVVlNXJGb0t5ck96ckVQUEg2Z0picUxvdElR?oc=5) · legacy.com
- 2021-02-17 [Vickie Willmann Obituary (1947 - 2021) - Hartford City, IN - The Star Press - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSGJCZzl3bFBoaDE1OUdDTGxHcW1WcHVxUG03ejlxNjgyb1EwMHdsN3Z4MDFOWC1YZWl6dWg0UEdSUnd1RERpOWphUzRkZnFiTV9iS1NNaU1rOHhCRS1PVXVvRENVbUhSQjYycERXRDNxLXpLY2JyMzdGWVd1OUhhcy14bFRrOTdYWm9PSGY1ZjBZWmdC?oc=5) · legacy.com
- 2021-07-07 [Patricia Needler Obituary (1935 - 2021) - Montpelier, IN - Chronicle-Tribune - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOeDJtSklTQ0tmTFJTUC1ZMjg5dmJxODFjX0tpZ0JtX09hbmw3N2M5b0NnVlQ2OWdLdmN1MDI5UDRfNzU4NXh2WTFhVkk1ZTFMdHozU3RmaTlsa2V6dWtkVUNlSms3ci00RlZwY2dzZUwwc1A3dC1qaUVGcnVzWFJwUUpZWEk3U2QzNm9HVWc5TnJvSU1oZGJRcHhBdmNiZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19340 (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/12.json (key "19340", 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