# 1ST NATIONAL COMMUNITY BANK
EAST LIVERPOOL, OH · FDIC certificate 26977 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**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 | $135.6M | |
| Deposits | $119.7M | |
| Loans and leases | $67.3M | |
| Total equity | $13.6M | |
| Loans / deposits | 55.52% (p23 of band) | 73.61% |
| Liquid assets / assets | 45.74% (p74 of band) | |
| Uninsured deposits / deposits | 24.85% (p86 of band) | 13.65% |
| Brokered deposits | 8.53% | |
| Wholesale funding | 10.01% (p82 of band) | |
| FHLB advances / assets | 1.47% | |
| Tier 1 leverage | 9.56% (p29 of band) | 10.70% |
| Unrealized securities loss / equity | 5.97% (p92 of band) | 0.86% |
| AOCI / equity | 0.96% (p84 of band) | |
| ROA (annualized) | 0.69% (p39 of band) | 0.84% |
| Net interest margin | 3.43% (p38 of band) | 3.64% |
| Efficiency ratio | 80.58% (p69 of band) | |
| Noncurrent loans | 1.18% (p64 of band) | 0.69% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 102.40% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 6.14% (p32 of band) | |
| Auto loans | $3.8M (5.65% of loans; DQ 0.66%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 49 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | assets shrinking | wholesale funding >15% |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |

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

- 2025-12-17 [James Cody - Bakken Young Funeral Home](https://news.google.com/rss/articles/CBMiTEFVX3lxTFBBeFRVOW56U0dkd1lRX0x1UG1RMWhCeFZoR2lCNzBnWjdZaXhfRHIycHliT2pmOGxabFRydnppN19YcWZYcnczZDNPc0Q?oc=5) · Bakken Young Funeral Home
- 2026-03-12 ['Man on a Mission': Life industry pays tribute to Marvin Feldman - Insurance Business](https://news.google.com/rss/articles/CBMizgFBVV95cUxPSHp4dm4wYVhwYklibzF4c1JTQU90djFWMjA3OUpraE8xR1dNVGs3TkR0RmxuMmRMcGJwMkdXcWtfeGpoR2dBSHZnalBjVmlUUEUtWm1WOTVMM0hvaC1Rd2tRTHlUaW5LYW8xUl9PMy1KUTM1Sl9pMGs3T3l6akI0M3hYRXRHV1hyRWRaTkxYbmFydjhDMGFsbHViOHBDWGxUX2EtbnBkeWtpZnc4OGt6Q2oyeFJPWHRBbFRRMndDQXV4QVI5VGNRLVVaTXBNUQ?oc=5) · Insurance Business
- 2010-05-12 [Small Banks Struggle Under Mounting Regulatory Burden - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxQXzFxSlVDUURSS3RsRWFGVGFvcHF1dTA0UDM0R0JFSWQySjRxbFFoM1BlUG9HVXp5UjNnLUxyR3dnbHhnemgtQVhxMzhzRFh1LUIxemJTNnVlcnA5NV9pQVd0OGpXOVVQd0ZvMjM4UUpPRXhBVnRjLVJ3ZUhRUVZTMmFLU2lXSnF3cHVmc2RDblNZcVE?oc=5) · American Banker
- 2016-08-10 [Linville Witnesses the Transformation of Banking - Business Journal Daily](https://news.google.com/rss/articles/CBMilgFBVV95cUxOV1g1OHFmSkJEdFVDdW80b3lNNGpTaTFvS01iWmNBcXZKU1VROERKdW5raTZMYk5PZm1hekIxX1RWV2FsVHpFTllxSUNyUW5pcmRmTmpJSGdPLVlUYzlzN3FMdnZudUZQZUQtQ21SazdObUFNa2thU2lKMEVaVEpEU1JuMm4tc1pCeDI1cTJvTGpUUHlhOFE?oc=5) · Business Journal Daily
- 2023-07-07 [Keith Clutter Obituary - dawsonfuneralhome.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE90VUprWWFwaTE2N1c3SmdCNzYtWGsxU3c1MzVQdEdtV3R0NFM1ZlNNTUNhbVo1Vm1JamJSSDdENGUwZmxDZi1wMDBlS29Sb1U4d0h1NllaeEFhTF9ndUpSTkpyU01NdVZDZVlKVm5NWWQ5b2c?oc=5) · dawsonfuneralhome.com
- 2026-03-04 [Marvin H. Feldman Obituary (2026) - Palm Harbor, FL - Curlew Hills Memory Gardens Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQM2RIMVdIMm5UMTcyUXhkd2hZc1NnOU95YzhVWHJvS01ISEc3WktQcTlVUFlOcFJ3VlN2QlRvSUhGZG81SzNndW03dklTLUt3YzJfYnNvQW9ST0RTN2hpWnNfbVltd0p1NTZtWkJVLS1wX1loMW9DS01JREhPNTZaUmp5UQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26977 (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/33.json (key "26977", 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