# NORTH AKRON SAVINGS BANK
AKRON, OH · FDIC certificate 28179 · asset band <$300M · latest filing 2014-09 · 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 | $145.8M | |
| Deposits | $108.5M | |
| Loans and leases | $114.0M | |
| Total equity | $14.4M | |
| Loans / deposits | 104.09% (p95 of band) | 71.36% |
| Liquid assets / assets | 18.82% (p17 of band) | |
| Uninsured deposits / deposits | 5.73% (p16 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.43% (p92 of band) | |
| FHLB advances / assets | 15.43% | |
| Tier 1 leverage | 9.93% (p39 of band) | 10.52% |
| Unrealized securities loss / equity | -0.61% (p27 of band) | 0.17% |
| AOCI / equity | 2.39% (p64 of band) | |
| ROA (annualized) | 0.19% (p13 of band) | 0.81% |
| Net interest margin | 3.41% (p36 of band) | 3.65% |
| Efficiency ratio | 89.27% (p83 of band) | |
| Noncurrent loans | 0.54% (p39 of band) | 0.86% |
| Net charge-offs (annualized) | 0.20% (p82 of band) | |
| Reserve coverage of noncurrent | 173.02% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 1.73% (p20 of band) | |
| Auto loans | $55,000 (0.05% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 3 | capital falling, losing money | reserve under noncurrent |
| 2011-12 | 3 | reserve under noncurrent | capital falling |
| 2012-03 | 1 |  | losing money, reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | loans exceed deposits, losing money | reserve under noncurrent |
| 2013-06 | 3 | reserve under noncurrent | losing money |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 2 |  | reserve under noncurrent, assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |

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

- 2014-04-22 [North Akron Savings Bank to be bought by Peoples Bancorp - Akron Beacon Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZW1EZFNfVHVSYkZhZkJOMTlWUVRSYzdlQnExN3FDYVVEakR1d3Y2X2xDVjZjZ2lkbnVEQXJta3JaU2JTWGxkc2czSWlTSzl2XzhDd0JnM1BJZXpEc25SQW9kaWxhQzM2YlViX0ZkYlhPRUpvcFBwdk93YUVNQ0ZHSmE0WHN4NXh3NnVyZ0hMTzBjR2FFSE15UmRsenA?oc=5) · Akron Beacon Journal
- 2025-10-06 [Deborah Lynn Adams Obituary Oct 6, 2025 - Newcomer Akron](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1TbjhUQnpGRWctbWJtZUpYTFJfYkVQYVVadW1zemVndGtfUExPWmFObDNCWXRaa1VfMkxuU2c1NDViMWg0SnE0amM1NHNOSmRnOTdZUkxZX2k0cEwxNC1XS0RwN2g?oc=5) · Newcomer Akron
- 2024-11-07 [Alice Moore Obituary Dec 13, 2012 - The Billow Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9Vekd1TmF1NURZYzFpbXdoTXk0cTNsSk9ORnc3Rnp5QURRd05nY2ZvTzhoZDdkWGNoMzdMZElaR0QtQkMzNC1WeFhrZHR6a2w0Y2RwSzFsbnBRR2I2Y0JUYkVRWkNvcDho?oc=5) · The Billow Funeral Homes &amp; Crematory
- 2014-08-25 [Peoples, Ohio Heritage banks complete merger - Coshocton Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUzRyMTI5UWtKT2JBMDBqY1FCTGZRbVRWS3ExN1VNcWQ4MVlIdEI0MFFJMWp4TFBoend2ZERtZmJ5MlgzOGZaQWNQQnlHSkFRTUJhRGJnWGlMOGRvNzliMjZHczItY1hncVNwQ3pfeDhtR08ya05ESXlQWDJBdlItcG9vWjl3U3pZU3cyTC1OTWFHdlRZN3QxdGpZdEd6aVFiNlNBLWZGQ0VXMHEtZ0ozVDZORDM?oc=5) · Coshocton Tribune
- 2021-03-31 [Sue L. (Petrie) Debevec Obituary Mar 31, 2021 - Silva-Hostetler Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBmbVRfRnIySklHb0VEaDhfdFl1U3A3UWJpM2FjbThaVTVvdFBwWEsyc2VkV1A0T2RIeWJPSE1ZdHJLYUd4dURaNldHYTFBbDd0V0hreG5oTXVMLVBodm5pQWNFaHo?oc=5) · Silva-Hostetler Funeral Home
- 2021-10-09 [Joshua McClimans Obituary (2011) - Jamestown, PA - Akron Beacon Journal - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbHEzWU9DUEFBWFMxM2hvWm1kQjlJM2ZsRDJZX1lOSk5oVDFOdnF1eDJsblB0Y0F4Nlc0aUs1X3NNNUdrNWlraXoxc1dURVdSRUxsd1dpTlQ5aUlkT2lhYnkwWWxmcHM5NDJhdDBJMmdHVmJzQlh1REpkS29DZFJIYXFOeFVDMmZNeDVKUw?oc=5) · Legacy obituary
- 2021-02-04 [Stow Ward 3 councilman will not seek re-election - Akron Beacon Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxNVEJiODI0dW9icXRLSy1xYjlfNzZpa2VEWW84Vm90dmp5ckVNZkFqN3ExOGowYVJqTE9xQTlBSWtyaDNvTGxhT04yNWY2SkdwRGNIZGxNcUNHV2JkdzgtWWV6YW9qRW1KQkd0aV9kemZ4ZkFXc1VNaC1yMjI1ekczWGY2QlN3cFJvR0tRWVRUWXRfMDdVZFM5alpncWNINzVIMnBTbnVmb0NpRzZUU1htYjVYSzdIQQ?oc=5) · Akron Beacon Journal
- 2009-09-09 [Mary Clason Obituary (2009) - Akron, OH - Akron Beacon Journal - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQ1I2S214REl1ZS01Mk1Xd2F3RmRTNWtJdl9HdXNaQWVINkIyb2hxYXkwc2dsSm1QalQ3bmMtbFUwRXphRjB3OEM5Z00tOXhlODE1Q2Y0NGFsNHJHZ2dJRmpXZHlUaVBCOGZoMGI3d3Zua1cwR2tadkprcmV3cGJmWUJlUGdFQQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28179 (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/19.json (key "28179", 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