# WEST END BANK S B
RICHMOND, IN · FDIC certificate 28807 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $295.5M | |
| Deposits | $210.9M | |
| Loans and leases | $243.9M | |
| Total equity | $30.2M | |
| Loans / deposits | 114.09% (p98 of band) | 75.62% |
| Liquid assets / assets | 10.86% (p4 of band) | |
| Uninsured deposits / deposits | 9.61% (p22 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.94% (p95 of band) | |
| FHLB advances / assets | 17.94% | |
| Tier 1 leverage | 10.38% (p33 of band) | 11.43% |
| Unrealized securities loss / equity | 0.39% (p47 of band) | 0.53% |
| AOCI / equity | 0.55% (p69 of band) | |
| ROA (annualized) | -0.73% (p4 of band) | 0.92% |
| Net interest margin | 4.17% (p78 of band) | 3.67% |
| Efficiency ratio | 86.99% (p82 of band) | |
| Noncurrent loans | 1.69% (p79 of band) | 0.57% |
| Net charge-offs (annualized) | 0.69% (p98 of band) | |
| Reserve coverage of noncurrent | 77.98% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 4.03% (p27 of band) | |
| Auto loans | $95.3M (39.06% of loans; DQ 5.07%, NCO 0.60%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, auto book souring |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | loans exceed deposits |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | capital falling | reserve under noncurrent |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | wholesale funding >15% |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | liquid assets <10% |  |
| 2019-03 | 4 |  | liquid assets <10% |
| 2019-06 | 4 |  |  |
| 2019-09 | 6 | reserve under noncurrent, uninsured deposits leaving |  |
| 2019-12 | 8 | liquid assets <10%, deposits shrinking |  |
| 2020-03 | 7 | losing money | liquid assets <10%, deposits shrinking |

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

- 2016-01-24 [West End plans new headquarters - pal-item.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOHZ3cGVkaldXVkVkTlF3Z3BqYzE2cXVMVzg2YjU1N25iODlxbWotbHpuVmYtelpVYXhBZm5CUUpRYW1XLUFmdE4zYWtWMXY2c3ZmU2VwM0d2WnZmRWRNZlQ1eUdHQXNRamZaRV9iTlUtQVJkWUtOY2hrYk9SZ0lNbWdzU3FHSjIyeUpaTF9EWW1iNzVwZ1RxWmR4ZmtPYXc?oc=5) · pal-item.com
- 2020-06-01 [3Rivers Federal Credit Union expands to Richmond, Indiana - WANE 15](https://news.google.com/rss/articles/CBMimgFBVV95cUxQQ0loS0E3Qm4xQUZPMThsRFhKUzNZak4zN2pGM1ItdDhfQjRxVER0MVRERjZMcjM5X280VFQxR1Z1M1J1VXctUUdUbG1td1E2aGR6WVAzM0w1c2xMdllZSWRRcUlVWnFJa1F1WG9fVDNXZ0dnUXZFZHRDdzQyRFdDMkFzQ1VNRHFKejg4WVBKNGVxRllhWTJUMy130gGfAUFVX3lxTE9ZbXdtRkVueXNacVRjZ2stbmsyZkcyX3NFaFRQMkk2LXIyMDNxVl9zZlFmSlJWUjNTRFNMT0N3NVR3bnBJaDBPV2FubUI0OFp6LVlVNTlyRHhwNUdjbVpIQkY3WXZXS1FzTm1XdTRIMzh0d0ZmZVk5aWcyVzF2N1UzR191dGJWTC1fMlV5UTNBTzQxTnROa0tiaEgtb25NRQ?oc=5) · WANE 15
- 2015-01-17 [Briefcase - pal-item.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9pUkl0ME9fVFlrdFA2R3J2LTY3cV9PWEVUbXRkeUE4TDVCVXJPV3IzY1I3Qi13TFhKLXYyNlhob3FfMnlpSW5qLTNMQXBzRDUxT0tVN09DNF9ZMlg5V0RZUGxFZzZXcEhBdnBZODJCa0pXV1dEWGc?oc=5) · pal-item.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28807 (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/7.json (key "28807", 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