# OHIO STATE BANK
MARION, OH · FDIC certificate 27328 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $84.7M | |
| Deposits | $69.5M | |
| Loans and leases | $66.0M | |
| Total equity | $4.8M | |
| Loans / deposits | 93.17% (p87 of band) | 71.36% |
| Liquid assets / assets | 13.47% (p8 of band) | |
| Uninsured deposits / deposits | 0.99% (p2 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.89% (p86 of band) | |
| FHLB advances / assets | 10.89% | |
| Tier 1 leverage | 4.71% (p1 of band) | 10.52% |
| Unrealized securities loss / equity | 2.28% (p78 of band) | 0.17% |
| AOCI / equity | 0.46% (p36 of band) | |
| ROA (annualized) | -0.04% (p8 of band) | 0.81% |
| Net interest margin | 3.61% (p48 of band) | 3.65% |
| Efficiency ratio | 109.83% (p95 of band) | |
| Noncurrent loans | 4.16% (p92 of band) | 0.86% |
| Net charge-offs (annualized) | 0.26% (p86 of band) | |
| Reserve coverage of noncurrent | 44.67% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 82.26% (p93 of band) | |
| Auto loans | $1.4M (2.12% of loans; DQ 3.65%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -16.7% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | leverage <7%, capital falling |  |
| 2011-12 | 7 | leverage <5%, expense ratio p90 |  |
| 2012-03 | 8 | uninsured deposits leaving |  |
| 2012-06 | 7 |  | uninsured deposits leaving |
| 2012-09 | 9 | assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 11 | wholesale funding >15%, deposits shrinking |  |
| 2013-03 | 10 |  | capital falling |
| 2013-06 | 9 |  | wholesale funding >15% |
| 2013-09 | 9 | capital falling | uninsured deposits leaving |
| 2013-12 | 9 |  |  |
| 2014-03 | 9 | uninsured deposits leaving | capital falling |
| 2014-06 | 8 |  | losing money |
| 2014-09 | 10 | losing money, noncurrent p90 |  |

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

- 2026-08-14 [Interra CU's Proposed Hicksville Bank Acquisition Clears Major State-Law Test - CUTimes](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMXhveHQtR3JPbHpOcnVXeDNnekZWSWYyQVpCYWZGekZ0VlNPRllHb1BLTjdjOGJ4RERwUmoybTN3SF95U0lzSzFraEh2czRYN2w4dU5vN1lpank3ekRRYWlibzl0YTlER3I3YUREcDdsZEY3Y3ViQWJWMVZZYXRwa2l1Tk1uSTVFSi1YNHR1MElDQTRCQzFCazVJOF9CTXFvejhncTJadDBaY2RhdnloLXRR?oc=5) · CUTimes
- 2019-04-22 [Ohio's First Local Bank In 10 Years Opening In Bexley - WOSU Public Media](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQWpsVGlxcGEwRzkwSWU4eG5jWG1PVlJYR0N3MjRPbV9mTzlGWjQwMWFSNEFNOHN5SHBTQlQ1QlBualhFOVAwZTl6TENyUkZGS0FDSzdsUHRoSXpOd25YVkhDbTlzTWV2TXVfVk1MbzU2WEx2LUJaT1lTV3RTRHR0cUN5WkZkQ0lEdUtjdnZmUnB0U1U?oc=5) · WOSU Public Media
- 2014-11-18 [United Bancshares acquires Ohio State Bank - The Marion Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNLVhGVmZOS2FJNEJUU0FSeUlodDdLRTJwNTFBQVljQjFNRVRvWnlWN1VvbkFxUkZKRm9waUFwWnRfTEVadzBGOGNaa3U5bmxBOEJqcUZjM3UwMmI5YV8zM0NJZ2JPNVpUR0hhSVhfNW83VTlfX0VST19ONS03Qll5YUI3NUFTUDJpb251bF8wakpYWFJOTjB1SHdGV2dWQUJ5a3pSSGhmc1VMU28?oc=5) · The Marion Star
- 2020-08-10 [Ohio State Bank plans to open Upper Arlington branch - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiswFBVV95cUxOZUxkR1puaHFJbmUzanV3RGZQQ0g0SmRrQWppc041b0NuUDF4UWdUWHFicFdLYkkzVU5UVXpuTjJDU1NRdDc1LXBacVRmTFhrTlMya0MyZnRBN3JaYV9RWmsxOF9DVHJxVEo2VGJ1Snp0X2lOdEVMVUU3VE9yLS12cmtpMmVnUDA1QWhTQVZ1OWFKR1ctcXp5YmdFTjhaYUlyamZBNWtETVJwaF84QTFneGxtbw?oc=5) · The Columbus Dispatch
- 2021-01-06 [Vorys Proud to Advise in Formation of First Bank of Central Ohio - vorys.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTEdWRmx1a1FZM2dyMjVPU2hDeUQwNmtUT3diSklZbzVwVEpuYUlmWnEwbTlPbGdtUjFKOGJNV2RULU9ON2M3MC16NUd3a29uWjg0QUhVLTFPaWhBVzVFUHR2c2hZamR0U0JoQnNnUXc1NkZkRmtoWm5BM3lhXzd6UEJXYnRGOHNucnFzS0JLNUFmRHRjTVE?oc=5) · vorys.com
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2020-08-19 [For Central Ohio banks, the branch of the future looks like a living room - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNX3dGX2I3N3BlQnVZSHhyMjA2OVc2LUxDdFRGdDk5UXlMSzB5R2s3eDloUVFjZTgtbG44bDVZcHRUczV3elo5SFp5QU4wZGFsX2hiMlV4My1ZcHhnenk4Y0ppZ000UzBUV2U4Z0ZHbWdXaUZySjNyQUowODVtU3ZraU9hX1RSdmd2YWhOdDcwUlc5WG5MNXlrR1EtNVZtWkRsZ1ZpUHZBZklENDd6?oc=5) · The Business Journals
- 2020-01-15 [Ohio State Bank eyes project on Upper Arlington's Lane Avenue - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiswFBVV95cUxPaVNhcU1NWEY5VThKRldWR0M3TGFaZ2ljUzBaRkNmS3Z3dXBkdXFFY3FaZ1BsY245aXprWnBRaFlpdnBWakpLNUtzUF9lVDZuWlhOX0ExSGpGZlcyTEsyUFllcTBsU1JHUWlFQ2Z2elNQNXZpSjNBc1hzM1B2dXhwZnpfZVZaWEM1YVlqSXE5empfdmhDZE4xdFBLVDAtQjl0dW5TQUJRNnN3QnpoRTA0Ul9QZw?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27328 (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/0.json (key "27328", 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