# COMMERCIAL SAVINGS BANK
UPPER SANDUSKY, OH · FDIC certificate 2291 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $355.7M | |
| Deposits | $314.1M | |
| Loans and leases | $297.5M | |
| Total equity | $38.4M | |
| Loans / deposits | 93.49% (p73 of band) | 83.90% |
| Liquid assets / assets | 12.32% (p12 of band) | |
| Uninsured deposits / deposits | 13.62% (p20 of band) | 21.07% |
| Brokered deposits | 10.91% | |
| Wholesale funding | 11.31% (p71 of band) | |
| FHLB advances / assets | 0.41% | |
| Tier 1 leverage | 10.83% (p65 of band) | 10.15% |
| Unrealized securities loss / equity | 0.34% (p85 of band) | -0.98% |
| AOCI / equity | -0.18% (p77 of band) | |
| ROA (annualized) | 1.31% (p77 of band) | 0.94% |
| Net interest margin | 4.37% (p89 of band) | 3.62% |
| Efficiency ratio | 62.09% (p32 of band) | |
| Noncurrent loans | 0.24% (p22 of band) | 0.61% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 544.26% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 25.76% (p35 of band) | |
| Auto loans | $4.5M (1.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | liquid assets <10% |  |
| 2013-09 | 1 |  | liquid assets <10% |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | liquid assets <10% |  |
| 2014-12 | 1 | brokered >10% | liquid assets <10% |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | liquid assets <10% | brokered >10% |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | brokered >10% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | liquid assets <10% |

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

- 2026-06-24 [Shanghai Commercial & Savings Bank - Forbes](https://news.google.com/rss/articles/CBMidEFVX3lxTE0wYkFERmMtS2NVeTFFUk12OThZTGFpU3RQMkl3ei1MOXV3b1pBQmtvR2I0WXNCdXBjOFJKQV81V2dQc3RBTmw5ZHVId2VKYnJIejJOeEtPSXFwSnYyRHRRdm02Vk1wQzAybUw4NGJQTkpIQUZm?oc=5) · Forbes
- 2022-03-24 [Business of the Year: The Commercial & Savings Bank - the-daily-record.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQanFwUnNyQVJTQ0VmSmJhemEtaWdKcEhoTDg3SjZBS3pPeVhRcGh5bU8xWl9zLURZOXBVU0NZdDlmc2xnc1ktWEJsUDRPWFo4THlsZ09XN2l3Mm12QTEzcGd4N1dPSHdIeF9Ea1JjZEdXQkZwWDUtdl9VX0d0MHNMcXVUMHBhSXhIZkdjYlZTT21URkYtQ2pUVTRXV2JQeVVqVWlSMF9KTEJNQ3pMdXdUd1N3Nkd6aExP?oc=5) · the-daily-record.com
- 2024-09-05 [Lisa Mohr named to Commercial Savings Bank Board of Directors - Carroll Times Herald](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOWGh0Q1hGTktmaDJRaFFCVVdVRm1rc2lBQ3NhbzNSQkxqd05MUU9vRHJienJyZGJUSWN0YUIwV2pNWFVQRDhydS1JbHdUbFB4TjBBZ0tfSjZhNnJRNWlUQ3NkODV1elBWRkZRaVNsejBwRGdGX1NsRE55cWU2Rzg2TGdqVzhmSl95eDZkanZiUTU2TWhlWk1NY0NaNVFlX1FkZmpQUHJURXM3dTdEWlkzNk5RRnJHa1JnaDNGNjVHeHpXOUV0TUNoZDRpcWNhakw4TE9HU0J1eTE2UQ?oc=5) · Carroll Times Herald
- 2025-05-13 [Shanghai Commercial & Savings Bank - Temenos](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc1h3TUdSdUNNMFE0Y2k5ZlU0Wk41YVFqVjBJemN0OEVQbkd1bjRudFQ5bGRMWEkxWGtYY2x4Tmx3aFBCMVdHMXZ0T1RaYUhheDc0cV82bVFCcjl2Z1JsakdZUUtxdThCRWFsWEY3Vm1HaHZyX0NkamxLLWo3b1A1UHMyN2VKeDEydFpHUVpR?oc=5) · Temenos
- 2019-05-07 [Lost landmarks, businesses reminder of local history - lenconnect.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcnkyU21vSVhIZFR1Y0k3RnhXejd2d0J0YV84eXVEc0VDVkRXVXhRT3pjem5kdU1UTjNxV0MyZG1FYVh2YjZwZ0otX3NHdEh4dk96Q3FwSXVEMWJDd0ZzcGFzMmw5VUVoS1hqM2VJMG9vcVhEYXBqbmxTX1pNQ3lZQUw3MzhzZzFTQ0pBUWN4akhnSUluaVhhNlpobGNqc05LdnFWekJaTnlJcW5xRTJQSk55djhtMkxDTklmZzYwOA?oc=5) · lenconnect.com
- 2022-08-25 [Shanghai Commercial & Savings Bank Adopts Temenos Platform for Retail and Corporate Banking - Temenos](https://news.google.com/rss/articles/CBMixwFBVV95cUxNSTlzSzhETkt2SnRwaEVIeldSb3pwR0hIbnhhZDM0UlJ5TmticVFXaWFNWEZvak95bUhTNGdGMi05X2ttcG9kbV9VR1FCVVhudnpFRzZRSU1Md1RobDBPNFZEeURUU19SQ0FjVWxWLUcwa0NQUDFuVnpUT0JjSkg0UGJyQmhqWllocHd5RlpyWWVHc2FnNVc1RHoyRk81Y2VzZzM2YTZ5MXhNMTFfTXg5T1h6X1FRc1dFbk1nZmtEajNpdnBvZ3Bn?oc=5) · Temenos
- 2019-06-03 [Commercial and Savings Bank opens new downtown Wooster branch - the-daily-record.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSjJuMDlYWHJNSDZzMjFXSy1wQVRVOUpLSkZtQzBUdk5MMllVX2YxU1F1aVdSSDJBaHQyWDZRVldMYkR1MEh6cVNKUmNvTHA3c25yOWR3Z050empCVldPY3pyQ3JwWWNRTmZnQjE3SGgzMkdVcVdZbTJ2SjFTUnI3R2xFd21nbjhKX3p2X0RhbkNWNkk0dFF6QUo3VDZKYXBDWnJZc0NERQ?oc=5) · the-daily-record.com
- 2019-08-23 [From Oschadbank To PrivatBank: How Ukraine Got Its State-Owned Banks And Why Wants To Sell Them - Вокс Україна](https://news.google.com/rss/articles/CBMivAFBVV95cUxNMGxicUNhS1BmeW5KX0ZtSVpWeE9ndmxxdjV0b0k0UmttREU1TTlEd0lOdEFiRXJwWXBYVWZNOFNCNFZsdUlxc01lRHNUVFZTREhpOGZRZEZNaTh4WnhxLUVuelhqYXg4NmJmYlF2ZndJRldyX0VxQWRFa0YzMng0V1ZMRy0xUFVxdlJzaG9BLTBGX0tLcjYxbjZHLVdxdHE0MzBqQS0tU3h4dE5Ia1lPNjZQd2YxbUVEUXN5aA?oc=5) · Вокс Україна

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2291 (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/51.json (key "2291", 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