# GREENVILLE FEDERAL
GREENVILLE, OH · FDIC certificate 27965 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $263.9M | |
| Deposits | $240.8M | |
| Loans and leases | $210.7M | |
| Total equity | $20.7M | |
| Loans / deposits | 86.79% (p74 of band) | 73.59% |
| Liquid assets / assets | 13.98% (p9 of band) | |
| Uninsured deposits / deposits | 19.72% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.03% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.80% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -11.55% (p37 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.18% (p9 of band) | 1.17% |
| Net interest margin | 3.28% (p21 of band) | 3.93% |
| Efficiency ratio | 94.22% (p92 of band) | |
| Noncurrent loans | 0.09% (p34 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 850.00% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 35.07% (p68 of band) | |
| Auto loans | $584,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | liquid assets <10% | reserve under noncurrent |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | reserve under noncurrent |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | liquid assets <10% |
| 2014-09 | 4 | liquid assets <10% |  |
| 2014-12 | 3 |  | reserve under noncurrent |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | liquid assets <10% |
| 2015-09 | 3 | liquid assets <10%, reserve under noncurrent | wholesale funding >15% |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | liquid assets <10% |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | liquid assets <10% |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | capital falling | reserve under noncurrent |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | expense ratio p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2020-03 | 1 | capital falling | expense ratio p90 |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 1 |  | charge-offs p90 |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | reserve under noncurrent | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 3 | expense ratio p90 |  |
| 2023-06 | 4 | noncurrent p90 |  |
| 2023-09 | 1 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, losing money |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | capital falling | losing money |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 2 | uninsured deposits leaving |  |

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

- 2026-08-26 [Greenville Federal welcomes new compliance officer - dailyadvocate.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPRzd3U2p1LVFjN2U3dUNoWjhKNDRwUFB3c1BycnAza2U0VWVWSFQ3d29xOGhCZE5YaGo4QkhVdDM1eElHc3lITkVuWlpib2ZhaS14OUdLTGc1WkdHQUdvYV9sb2dUUmp3VjF6cmZTT3VPNzg2ZE9YcXlnTnRlS1hiandFMXFuWnVDekNSMjZrQldISnF0SlFn?oc=5) · dailyadvocate.com
- 2026-07-30 [Greenville Federal celebrates remarkable career and new chapter - dailyadvocate.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcWluWFpDdkw1b3ZmOE5aUUNWNjFWU0pmLTFHNWlDWUNYRGdmbE1GSUhmcmVfeU5IY3o1eDE5T3Q4bldEQmpJcVlwSDQtaXp2d2VLVDJiUmhrc2plVE5IVmxiRVk1RFJDVVp5UVJFdXJ4OE55TFN4Y3QtZlAyemxueFVnT0h0dlcwdW5VQUw5cmlFcWdxUWpBTDNIaUx0OHVucGx3enM5MV8?oc=5) · dailyadvocate.com
- 2026-07-08 [Greenville Federal Credit Union announces $9.5M campus expansion - upstate business journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdVFpd3BIN1J2MnpMal9VcW5DV3BPd3JqdVZoZFlIZ1M0cE1yZDFydW9FUVNEbXhlNXBWRHFyRGNPZmkxdF8wLVRaaFBnNk5TS2xnUy1LcHloZG81eE1DdUJESjY2TDVmNG1UdXJ6ZVdUYkxwYVJjbUFpUENJSkd2Tm8xVjMyS3dqeWVJT2Y5N05aTXRQVElJbnl0dW0tRVBQWG1reERHTWFTdw?oc=5) · upstate business journal
- 2024-04-25 [Greenville Federal President & CEO John Schipfer receives warm welcome - mycountylink.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOR0tsTXF2NTdhVUpxalBRVGRyTFFmSnYzdGZrZHdSSmtwV0JuTWtaUG9KOUxxT09SOUJtcWZhYnNmUEZJTFFyM0l6dG1nblgyN3cwc0pFaUJNTmw4V3NraDZHV18zM2NKLXUtWnpXQnJ0T2RHOTF2VlVVOU1HR01jQWpWeGlOZ0pZU3V4TFNQQ2hqTEdieTZhbXFR?oc=5) · mycountylink.com
- 2023-07-07 [Jase Andrew Blocher Obituary Jul 7, 2023 - Tribute Funeral Homes](https://news.google.com/rss/articles/CBMidEFVX3lxTE43cGV1NnA5M2xSaW5HT0pFZzA4Yk92TFE1VEpmZng0SFpuLVBJZlJXdHdlazNlRXRoZ2d4MDh1aHVqeGo1WE1rQjNucWY2bzRfazgzRVBfbUJ4UmFIbzBZbVNvMHRaeWl0VTJDUGJxRVQzODVp?oc=5) · Tribute Funeral Homes
- 2024-09-29 [Patsy Alberts Obituary - Greenville, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTHZYZS0tMDAyVThhOUtveGhoSHI4TkdLYmVpZEdpYmxiNTlaVVFtNXJYUU4wYjhiOW5WMXFQUVVDa2ZHUVdNb2JEeHMxNFVtempFU3g4Z3dfSk5jYm5BLXJIQVFvVkJtUGlJRW1KSmhRMEVHOHNWVHl6VHZHVG5NYjdoWkU5dw?oc=5) · Dignity Memorial
- 2020-10-28 [Man accused of threatening to spray clerk with COVID-19 in Tipp City bank robbery arrested in Florida - WHIO TV](https://news.google.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?oc=5) · WHIO TV
- 2025-02-07 [Greenville Police Blotter – February 7, 2025 - mycountylink.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFA1N0Qyd1k4UUlzRWZUcVBYY0gxT1ZPZUtnaktYTVNKSk92enU0S3J5TGxaRnY4eWxmQkhzMWZsTGtzZGJ5WW9KT2tYVEhqQmhMRXRNdnRlVkh3VDR0MHNkQ05iZ3FmdGs1SkM2Q1kxX3ZVa3ZmcGc?oc=5) · mycountylink.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27965 (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/61.json (key "27965", 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