# STANDING STONE BANK
LANCASTER, OH · FDIC certificate 27506 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $111.3M | |
| Deposits | $99.5M | |
| Loans and leases | $68.5M | |
| Total equity | $10.4M | |
| Loans / deposits | 68.16% (p60 of band) | 63.26% |
| Liquid assets / assets | 33.75% (p32 of band) | |
| Uninsured deposits / deposits | 13.47% (p27 of band) | 18.86% |
| Brokered deposits | 17.08% | |
| Wholesale funding | 18.09% (p97 of band) | |
| FHLB advances / assets | 0.90% | |
| Tier 1 leverage | 8.39% (p13 of band) | 10.61% |
| Unrealized securities loss / equity | 1.53% (p62 of band) | 0.71% |
| AOCI / equity | -2.14% (p28 of band) | |
| ROA (annualized) | 0.86% (p39 of band) | 1.03% |
| Net interest margin | 3.74% (p72 of band) | 3.29% |
| Efficiency ratio | 75.19% (p68 of band) | |
| Noncurrent loans | 0.08% (p32 of band) | 0.32% |
| Net charge-offs (annualized) | 0.03% (p80 of band) | |
| Reserve coverage of noncurrent | 1286.54% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 21.32% (p61 of band) | |
| Auto loans | $7.9M (11.59% of loans; DQ 1.22%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 3 | brokered >10% |  |
| 2012-12 | 3 | capital falling | reserve under noncurrent |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 3 | assets shrinking |  |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 4 | expense ratio p90 |  |
| 2015-06 | 5 | losing money |  |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 3 |  | losing money |
| 2016-03 | 4 | deposits shrinking |  |
| 2016-06 | 3 |  | deposits shrinking |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | deposits shrinking | expense ratio p90 |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 2 |  | deposits shrinking, assets shrinking |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | loans exceed deposits, reserve under noncurrent |  |
| 2018-12 | 2 |  | loans exceed deposits, reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 3 |  | assets shrinking |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | uninsured deposits leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2021-09 | 2 | wholesale funding >15% |  |

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

- 2021-09-20 [Briefs: Standing Stone Bank sold to Circleville-based The Savings Bank - Lancaster Eagle-Gazette](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPOW52NzZHVVczN1NiWVNKN0pzZzlsbkNXMk9rT3dLcmI1WUU0LWExdU9yT2poQmpHY1Iwc2c4Unk1alNwTjNzU1ptSUJVQ1M5d2xVQS1aMnBGaW9Qbzd4NFBWS2NMMDlaY3dBU3FLdUJsRmZIbHRRbmhwR3RtUUQ3WDRGeWRQTG1VOHRWVGJKM1VSczFYbXIwaXVXMXhnaERhUTFRSHZyZXpHNmNKaTRWRUJ6SHF6d1ROSG1YZXJUUE51TzFZQlUwN2xTNndqNHV5Q1k5QTJR?oc=5) · Lancaster Eagle-Gazette
- 2021-09-21 [Circleville Savings Bank Purchases Lancaster Banks in 17.5 Million Dollar Buy - Scioto Post](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYUY0SkFfZW5uekNYb3NWRkNySVZLY3RNVmc2Mm1vdVROWEh1WV9WNWhJX2plQ2JteVMxUkRGNFVPQTYyd3k5WDE5X3NzUkRSUFBJMEVLN1kzV183QkhQNFc1Z2hTdWpBLUdiNjVVRFVQYVJDX2xsUEw2RUtvQWZ4UzZpM01qV1BqN3FCLXdHRHVqLVJsUDcyVEI5VF9PTGZWdnFtcWZqQ3g?oc=5) · Scioto Post
- 2022-03-04 [Swinehart joins The Savings Bank Board of Directors - Circleville Herald](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNSTNGUV9jWlZwWGNGdkRiUGFtQ1Y2RkVpNTh3YXJlY0RHX0RzYlFoZGZjOUZQUGdYeHVNUXQ5c0RVSjJfUDBIa01RY3pNR2hxZW9vOXFtQTBTYXk2UERGMHNLYkdoU3lXanV1TS1panZrYUVfWVM3UmhRa19FOWdVQ3VqYWRqeHB3TC1NTnlPeWgwRHFKTmt5NVFYSHYtQ2c0Z0FFei1pMVZQU0E4V2dHS05BX0gwVHhJWEluWm1sV245dlc1Mk10VTVjcDhpYTIzNlN3SV9veHQtcFd2dmc?oc=5) · Circleville Herald
- 2015-01-23 [Standing Stone keeps focus on community - Lancaster Eagle-Gazette](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUzZzd1NhZkQ2eHUyOUxmR0RUV3lUUVlneGhmU09UTExJelMtd2ltY0luMUoxVTJ2d3F0ZHBQM0ZrVkJUbzNkWWNkX2IxQmtmSWNfdmNqaFc4VjBzNmNpQkY4WDdOckV3aTl5Y2p1ei12U0N0R2ZwenZtckpaVEVWWHdiRDJuYjhDdFVWZm1QNmZING5naFFUbEV2Mm1VbmVSRkFxSzI0UDZXOENJTDI4?oc=5) · Lancaster Eagle-Gazette
- 2015-07-11 [Linda Woltz Obituary Jul 11, 2015 - Frank E Smith Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBkQW1FOWxfNXNqMk53aEthMVNuQlgxWWlpcVZoTWNjWFNuVktMdlBiY3BXYk9CRnRpdnlKbTdFY056TWJHTllPX3R5eXBmaEd4aFNLMGRhbDZvSHItU3I0?oc=5) · Frank E Smith Funeral Home and Crematory
- 2016-06-17 [People to Know: Galen Kelch - Columbus - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaHdQOFY3bXNoaXdYdGVnRE13UDBkYTU5dnZlR1RqVVdUaWl5cTFlbm9yUGloeXZyWVRJek1RZ05qenkzaUVkVWhLMFZVbWM4amZES2dzZmQ4OXhuV1FKRVpLR1F0OVBhM3pvdjNrb2xCeFotZzE0cWlfYXNlbGs4NUlGS0poX2Y1by1pLUctaVM3Z0RSVEdYUw?oc=5) · The Business Journals
- 2015-06-07 [Wanda Shaner Obituary Jun 7, 2015 - Frank E Smith Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTE54cFowX0E2dWg3VHhnZ3B0RFhJNHhZT2p4Z2lSb3BoVGNWXzcxaERDbGZNeFgyaDVyRWFXQjFxX1hSWk9NTm9lU2VTQ0h6VUFuUS1DUXJhNEx0SkhzanU0Sw?oc=5) · Frank E Smith Funeral Home and Crematory
- 2015-10-23 [Fullen pleads guilty to bank robberies - Lancaster Eagle-Gazette](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUHdpU1R5SUxJMjc0c25ValdMNmpERmlfZnZWR0hlbmpjd01DLWdVZWFMblBxX2dSa2Y4QV9FUndCTlZOVVkzTk15Ql9jTnR5NUZBejY1RFFHWmpPLWI1Q1RZb05pN3k1TzB2OXRmd3Z2bDB4UkYtRGxzM1pKaHhYQV9Ma2pPOU1xeW1ZQjdwZjBqSG1YUnp4dXNDM1VaUllOdnRzYmV1YVlfVXBHX2FFWA?oc=5) · Lancaster Eagle-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27506 (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/50.json (key "27506", 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