# FIRST SAFETY BANK
CINCINNATI, OH · FDIC certificate 26263 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $47.9M | |
| Deposits | $37.2M | |
| Loans and leases | $29.3M | |
| Total equity | $10.0M | |
| Loans / deposits | 77.59% (p56 of band) | 74.58% |
| Liquid assets / assets | 37.49% (p62 of band) | |
| Uninsured deposits / deposits | 4.41% (p9 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.81% (p42 of band) | |
| FHLB advances / assets | 0.81% | |
| Tier 1 leverage | 20.82% (p95 of band) | 10.79% |
| Unrealized securities loss / equity | 0.45% (p23 of band) | 2.02% |
| AOCI / equity | 0.13% (p22 of band) | |
| ROA (annualized) | -0.65% (p3 of band) | 0.86% |
| Net interest margin | 3.15% (p23 of band) | 3.65% |
| Efficiency ratio | 116.65% (p98 of band) | |
| Noncurrent loans | 1.29% (p68 of band) | 0.67% |
| Net charge-offs (annualized) | -0.03% (p12 of band) | |
| Reserve coverage of noncurrent | 106.88% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 13.96% (p47 of band) | |
| Auto loans | $192,000 (0.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2014-12 | 3 | assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2016-06 | 2 |  | reserve under noncurrent |

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

- 2016-08-10 [First State Bank completes acquisition, closes branch - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMisgFBVV95cUxPREMxaVFWYjNpN1dmRFBpTUZqWXhVN2dVdFdhSmR1d0VzYmc4MDY1YnJXVVNQcUMxaDY4WEJPRXV4bklPTjZYNkJldFo4QXV2YVBjOGI4Tm5aVWRJMXdxWDFWQmxET1NJLVlIb1Vld3RhZEJCemNWcWFaQWZxWW1qTEluUnhLOXRNc2FzMDc5TUNkZ21hczl1aHU3ZzV4UTM0Ny13VlNiVld3U3JFdVZpWjh3?oc=5) · Cincinnati Enquirer
- 2016-08-09 [Cincinnati bank completes merger, closes office - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNaS04YUFDamhfR2VnQ1pBTDJzWjdpN0Fyel9EdEFFVUhHT1VuUDJmemJNNmV4eXhHNzVHTU1zR1JCdmFLN3FUZ3RFRnA2T0xzdm5OUFB0a19oZXprRjJkSVQzWEpXZVJPMGdEYWluRnVUSDd5cVBybGo4ZUNMNUFQcHZ5dmNuMlRhYVM2bHRYbVY2a1cwdE5jc2g2MjZSOHVWbVFTNm5MTVdWZw?oc=5) · The Business Journals
- 2013-03-22 [Pataskala bank celebrates 125 years of focusing locally - The Columbus Dispatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxPMVZtWlMxLXYxY2tULW1VSm1DVTFZZUk1MnpKUFNpZG5lUmlqZ2xqUENxc1hCQ1FBcHJaQWZUUW5rRHNhcDV3aVNab2J3bUt2cXBrV2dIb2tLVG9rS0lrV0tSV0t6SnlXV185ZDBZcEFlNjNFRHhEVmk4LWNweVp1MEJtbzJBRDlvOEctbm1idTNRUU1uWkExbVlCS3VqZllE?oc=5) · The Columbus Dispatch
- 2026-07-08 [Doris May Obituary (2026) - Vanceburg, KY - The Ledger Independent - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdHhlTEFrVUFYdUJPamVTU0g3OEFNLTY3V1RLSXhqTlVFNDJtWDAxV3hEaGswQ3BocDRjTGNLQ1ppNU5oOFhsNURxSjdZWFZGZDNnbzVsbXhfRVVBZnYwUEZxWi1yWnotazB2V0hVOEtIQmw2VnVMTWRPcV9HRnhSSU16bl9TX0lxNUNQMkVYanZQLUk?oc=5) · Legacy obituary
- 2019-09-03 [Greater Cincinnati bank agrees to be acquired - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSU10LUplSlZOQ2lsdHZTazZrbEk4S01mYklib0tQUVVONEhCVngzRVdJLUFncGI3ZjNmNnNuS0FsMmIwdFd3QXgyYUxJSDR0eVh0SEgtRXFHRTFVcnI0ZU5GcTV4Y08wVXh4SWc3WXJEN1ZoNlppNUFmbGZQOU9mSU02RU5Vc2Fld2JhV092NDBheVVRRzRTTWlCMmNkSThlbWRGTmItMWM?oc=5) · The Business Journals
- 2026-07-06 [Doris W. May Obituary (2026) - Vanceburg, KY - Gaydos Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTE9lWFhwTTdhNjE3eEFnemowSlVGRDVPNHFQdlZNUWdzbzU5ODYxTWozRERRbFg1WEJnRjNLOGowQV9pVlFsZjR5QS1zOTgyeW9TbzdlWFZiXzdxVGo2Z1I4dnJlRFU2ZUhSQ004a216S1NlMDhsajR0TWZXaDA?oc=5) · Legacy obituary
- 2014-06-30 [Calvin Cahall Obituary (2014) - Georgetown, OH - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPTGF2cDBpY3BRSVRsQ3ZZQmI0eU5fNU9fa3doLXI3ejVRenU4cFhSRDdEVnFxZ2ZTeWg1UnU1Q0J2UWhUSUZMc0J1WHFQS3dVRzRpb3BiX2czSlVsWS1nM2prUFZ6cUtabWRWaHpnWEZhRG9aNjE4dldtdUJuSFlUSGtlY2p2VVMy?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26263 (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/23.json (key "26263", 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