# COMMUNITY SAVINGS
CALDWELL, OH · FDIC certificate 27969 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $284.7M | |
| Deposits | $219.8M | |
| Loans and leases | $244.9M | |
| Total equity | $37.9M | |
| Loans / deposits | 110.07% (p97 of band) | 73.59% |
| Liquid assets / assets | 11.57% (p6 of band) | |
| Uninsured deposits / deposits | 24.39% (p66 of band) | 19.81% |
| Brokered deposits | 0.36% | |
| Wholesale funding | 9.14% (p83 of band) | |
| FHLB advances / assets | 8.78% | |
| Tier 1 leverage | 12.43% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -0.18% (p88 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 1.35% (p61 of band) | 1.17% |
| Net interest margin | 5.19% (p93 of band) | 3.93% |
| Efficiency ratio | 67.50% (p55 of band) | |
| Noncurrent loans | 0.88% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p87 of band) | |
| Reserve coverage of noncurrent | 138.39% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 1.29% (p21 of band) | |
| Auto loans | $1.7M (0.70% of loans; DQ 4.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 3 | expense ratio p90 |  |
| 2012-12 | 4 | losing money |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 1 |  | expense ratio p90, losing money |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 2 | losing money | assets shrinking |
| 2014-06 | 4 | capital falling, expense ratio p90 |  |
| 2014-09 | 4 | assets shrinking | capital falling |
| 2014-12 | 3 |  | assets shrinking |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2015-09 | 3 |  | reserve under noncurrent, losing money, expense ratio p90 |
| 2015-12 | 3 |  |  |
| 2016-03 | 5 | expense ratio p90, reserve under noncurrent |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 3 |  | deposits shrinking, assets shrinking |
| 2016-12 | 3 | losing money | uninsured deposits leaving |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2018-06 | 5 | capital falling |  |
| 2018-09 | 3 |  | assets shrinking, capital falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 4 | auto book souring |  |
| 2019-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | auto book souring |
| 2020-03 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | capital falling | losing money |
| 2020-12 | 3 | uninsured deposits leaving | capital falling |
| 2021-03 | 1 |  | expense ratio p90, uninsured deposits leaving |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 3 | losing money, expense ratio p90 |  |
| 2022-03 | 7 | uninsured deposits >50%, NIM <2.5%, charge-offs p90, auto book souring |  |
| 2022-06 | 4 |  | uninsured deposits >50%, NIM <2.5%, charge-offs p90 |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | auto book souring |
| 2023-03 | 5 | charge-offs p90, deposits shrinking |  |
| 2023-06 | 2 |  | losing money, charge-offs p90, deposits shrinking |
| 2023-09 | 1 | uninsured deposits >50% | reserve under noncurrent, expense ratio p90 |
| 2023-12 | 4 | loans exceed deposits, capital falling, noncurrent p90, reserve under noncurrent | uninsured deposits >50% |
| 2024-03 | 1 |  | loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | loans exceed deposits |  |
| 2024-12 | 2 | wholesale funding >15% | capital falling |
| 2025-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2026-06 | 1 | loans exceed deposits | charge-offs p90 |

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

- 2026-03-09 [OCC Issues Two Final Rules to Reduce Regulatory Burden on Community Banks (National Banks and Federal Savings Associations and Banks) - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMijwJBVV95cUxQeTl5Y2l2UzFMUHFWTGhZYmVpUF9vYWRtMWJURWZQVkFucmtjWDRLYldsMUtkM3FWYzhiVTB6OFh1VGhFcE1NUkFyVWlid1BnRG5EQ3BFZXJWTDJQN2hMa1lFSWtwaGg1OGNVanRJeF9GQzBacEYtSzRMc3VPNFRjV2pHdHR4U1Zwb2ZxQ01HcFlGbjNpeFUwRGRtT0U3NDg5dmtHMENfS0I1QWg0U25HQTRncDMxNmVKbUx6WXBBLXdwMWgwOURaRXpQTmxCTkRrZERuYkhNbS1OQ0hxVW13QlpsRzJWenptU01rYVhoVmFKcm5vbk9GOWluVXB6MTJ4OTNYNTg4ZHVQeHB6U0dr?oc=5) · consumerfinancemonitor.com
- 2026-08-17 [CSB Financial (OTCQB: CSBA) completes IPO, set to start trading July 30 - Stock Titan](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTERvVlpGcnFGcDFYdmV6YXVXWDVOS2FWa1BKYmVHelY0emFmUUlfRW9GTEtkdVg3c04taWhQRWV1eWlLb0JNSERTVlhScHlNSUZGNWk5YkFZVjR0bnpLVEtwTUREeDkzcXdhTllpVHdPRl92ZHVrbWdidXMtVko4cWZ3Wlp0VTRkaEFNai1YaHRLbE9WVW5nRldBOTlGYUJjSHE5R3ZuSGZUZw?oc=5) · Stock Titan
- 2017-02-03 [Community Savings and Home Building and Loan in Ohio to Merge - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNMlFpRXZTUjNwLUtQQUY2LTUxTFMzTGVpVlVKS0hESUc1azJFY0lPRWlqMzlUR1p6Y21HQnhCak1pYU1IWWV3cnlyaWdfbjFiRUZyV1d2R2Z1SWJ5U1gyeGxlNnpGcnZaa09SbUJsVXJWSDhnOHNZRkN0REFfZnQwOWJLTDc0NVMzY2gyZ09JcnprMGl3RXZ3Y05XdHE2Zw?oc=5) · American Banker
- 2026-05-20 [New card provider for Guernsey Community Savings - Bailiwick Express](https://news.google.com/rss/articles/CBMilAFBVV95cUxQUzRYMUhiUnBHVTh2M081ejlWSEN1Y1VLUExUak04am1EZnJiSW9ScGkxTk5ETmphdnJSZHJXZjBTeEM4aFA5dHotNWY4MFNkcTVua3AydHpkdUZQTVg2X0JDanYxbmczLV85OWN3aWdtTmUtWkJqdm5XejJBWDRjZGFYMzVYSnlBNnJWS1loTllOZnc3?oc=5) · Bailiwick Express
- 2026-03-30 [Pardner Hand: A Caribbean answer to British banking exclusion - bankofengland.co.uk](https://news.google.com/rss/articles/CBMibEFVX3lxTFBhZ1lNaUc0bUt3cnBwVjlwbEhtbE50X0U4amk0T3FkTHBUdHE4R3RjT0VhdElQX0U4Y01UWldNZVk1aW42M3pUOUJReXV6S0NIOXNpaEZiOC1LSy1ZWFJkdGI3YlpwbjRwQmM5Mw?oc=5) · bankofengland.co.uk
- 2026-03-10 [Nicholas Christ, Anne Tangen to be honored with Community Leadership Awards - Fall River Reporter](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNN0FOZ0x6czNSZ0VWY1ZYODg5QlVvNV9YQU9idnJ5aE1EUjN4LVBYc0tJRm9jUndVX3hpbDl3bVVxY01HaXB2eDF6NGRwa0o2Ul93SHZJYk9QSVlubTA4TVpJQ1B6enIxcHFKNFZLVktORXJqdXBleWg3RTZCa2FRV1l1OVViX0I2bzdQWGtjaFowR1o1OUhlWU80XzZpTmtQdVNWN1Vvck_SAagBQVVfeXFMTTdBTmdMenMzUmdFVmNWWDg4OUJVbzVfWEFPYnZyeWhNRFIzeC1QWHNLSUZvY1J3VV94aWw5d21VcWNNR2lwdngxejRkcGtKNlJfd0h2SWJPUElZbm0wOE1aSUNQenpyMXBxSjRWS1ZLTkVyanVwZXloN0U2QmthUVdZdTlVYl9CNm83UFhrY2haMEdaNTlIZVlPNF82aU5rUHVTVjdVb3JP?oc=5) · Fall River Reporter
- 2025-01-16 [Community savings groups in Uganda are good stewards of local people’s money – and of outsiders’ funds too, research shows - The Conversation](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNMGJpOW9OdloyZ2RPRThFSzBtV0hBWTNBaE1SbUhScXlMS28yUFU2QVBpZm1QaTBsNTl6Y2tGTkJDbjFxTnJDd1pxOVVFcHZqay1wcnFnUFdkWlMtU0YwUHFoRzd4NkF4WWhKYVNBVmtFTEhHd1Q1bU9oc1RMYWFQTEtoRThrQklRUEpOVXRTdVMzUUhrSUozSVVNSTZoSW1tZkt0Ui02RWU2b3pLSzhSdUJrMElXRExsM29LTlhRQTdwaVUyTXdDSkVOWjctaUEtTUFHVTVuLUxlVXRzQ3hmVDNhbHJMazQ?oc=5) · The Conversation
- 2024-02-07 [Sri Lanka: Proposed regulatory body would impact community savings and credit initiatives - La Via Campesina](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQOWx1QUJiTFloR2NtaENJTzlCYVFUVUFzdWFiempGWGVVdVhmTEMyMEFmSjdrNzlMMGRfYVFIdjZ2OXdZOUVmMjNKSVFTUlZONUk3RVMzWTNKX3UzWEUzU2I1R0dRdzh1WDMwZWtwdDlva0gyZmdNNHlYMi1ROC1tREd4VGdibGF1QjJWTzBSLUNlT2Rhb0FKTW4td2lzTlAzVTBsZnR5d2lyd3pJOHpFZXI1VmpZMUlkbGQ1d2dSYzVBLXc?oc=5) · La Via Campesina

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27969 (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/1.json (key "27969", 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