# AMERICAN SAVINGS BANK FSB
PORTSMOUTH, OH · FDIC certificate 29597 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $285.4M | |
| Deposits | $203.1M | |
| Loans and leases | $243.3M | |
| Total equity | $31.7M | |
| Loans / deposits | 119.11% (p98 of band) | 75.02% |
| Liquid assets / assets | 9.24% (p4 of band) | |
| Uninsured deposits / deposits | 8.42% (p19 of band) | 15.14% |
| Brokered deposits | 7.06% | |
| Wholesale funding | 24.21% (p97 of band) | |
| FHLB advances / assets | 16.99% | |
| Tier 1 leverage | 10.28% (p37 of band) | 11.04% |
| Unrealized securities loss / equity | 0.32% (p96 of band) | -2.21% |
| AOCI / equity | -0.30% (p72 of band) | |
| ROA (annualized) | 1.03% (p55 of band) | 0.95% |
| Net interest margin | 4.02% (p68 of band) | 3.73% |
| Efficiency ratio | 78.46% (p70 of band) | |
| Noncurrent loans | 0.37% (p41 of band) | 0.60% |
| Net charge-offs (annualized) | 0.01% (p69 of band) | |
| Reserve coverage of noncurrent | 159.87% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 29.60% (p64 of band) | |
| Auto loans | $1.7M (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 90 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | leverage <7% |  |
| 2013-03 | 1 |  | leverage <7% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | loans exceed deposits |  |
| 2015-09 | 2 |  | deposits shrinking |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | wholesale funding >15% |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | liquid assets <10% |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 3 |  |  |

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

- 2024-10-30 [American Savings Bank Reports Third Quarter 2024 Financial Results - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPLXI3OXhrWjBVa0d1aE13THp5SElhT21oV1NhTnZrOHVUMVh0S0xla3hLX01iWFAxa0wwR1dJbkNuRy1UbXA3a0FMNkJ1UVRDVnprVnNOTHlrUVdsOUFLaDZSVjVSY2JCVFVkYkpxRFFMWXRKU2tPU3B4eHNFUy1NaEd3elNYdWNwUTJmbU1DS1VJcTFjUTBObTB4SGJfcGxmeFVCMkgxcU5BT25yaTBkeE11VWluWnB1ZlRoYnR0M3A?oc=5) · Business Wire
- 2023-08-16 [Hawaii Fires Hit Regional Bank Already Rocked by Turmoil - Bloomberg.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNenUwS3FTSGU2cFBhV0tVemwyRGFadkZJbV9oLU1MUjV3LTdkZVNOS1FaNUFxZDE0OV83WmJJNE9XalYtQjd3cGJXSnFLcG1sdVdnWDNPWFRGUEx1S2FLQnIxVUZfUURINHZKOG1Ed25reWpuVmFaYno1MkE4c2xXU2tEQ3hpZ045aVNrTzZJVEZxTlg3VTlLTmcxcTVGQzdBNGk3LTRKYXZINHpkanV5SlhR?oc=5) · Bloomberg.com
- 2025-04-25 [NASB Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE1WYTdhWHBsQ0lWU1JIelptYV96QWNXME92NVJzeXJuQ3VjdWFXNkJKWXJ5eXdRN0pjRHNjakNFMl9mTGdBdDB6dDJZb3hsUnU0eGJ3?oc=5) · Stock Titan
- 2026-09-01 [NASB Financial, Inc. Declares Cash Dividends on Common Stock - Eastern Progress](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOYmRwR3FqYVF4eHp5WnVSVmEzQnhNTi1DUFFVSUxMbTdoWlNhck5qa3VpcVBJeVk0eVBMeU1lbHlSUGpJWWgwRVQxaTdJcGJvdlRHcEh4Q1VIclRodFVPdHNIcTVZWjJFNTlCQWtidjlWbVE2QzVqVk1xeE0zZ1NYeEV3NzZKQTdramZiUmhTYWZMQ0E3Z2lENTJkLWZBbmsyQ0FEUkpMS3BtRnZ6TDBvdC1OcXlFUlpxUzVwRTFfTC1nenVkUnRzR0wwRnlMN1ctaUdSem9sbw?oc=5) · Eastern Progress
- 2024-01-30 [American Savings Bank Reports Fourth Quarter and Full Year 2023 Financial Results - Business Wire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQUnZlaDdCTGN6RHphUzRTNndaZDlENzBpLW4zcGU5OUxSRHRHbC11QnZlbVN4Z3U5WUN4QlZzdFVMMzdvZFgzbS1UT1dDNUNWSXh6TWNxZms3T2RKLXZmZExzMVQzSWxJUDRQcWNUOE1lMkFuTTFtRzF3bm5mSlQzcDVPcTJ5X1hkLWRZNDZTLV9nakJ4dlMwbjFrYTVWMHJXbVJVZFFFN25TclV2dzFoS3JRY3BEWW1rWHRTOXVENkxqMlNpWDUyazJEQ3FGS3FobHFpdg?oc=5) · Business Wire
- 2024-12-17 [Diamond sees opportunity in predicted wave of US bank mergers - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBjWFo1amNBNkFnRzNxM2tnbE84S2lQUkVtY2Rva1VqQ25adlpZQS1qUkpIUnowMlg2RUgyU3otY2VtNTl1OTUxVEF5U0JjNFpSS0FGQ2RBWVZLSEVKZGh4R0hkS1IyeldGU2VDMnNiT2loeFY4UjY3UFdR?oc=5) · TheBanker.com
- 2026-09-01 [NASB Financial, Inc. Declares Cash Dividends on Common Stock - TradingView](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRi1RNzJrM1I3cHBtNEJrbkdxeXVOcFlTTFgtcS1icHl4Ums0YzdLMkx0b2pmeGFqNE1SaUpkZEVac0tMZkdhOTU2ZjdzRzJZZTF6akF2ODhuZ2pwRm1FM004cFZ0RE9VVXBKYXFULUZtT1otRkpRSXQ3c241dHBWRGdMQlhQc05GYlpMV2dOQ00xaE9BWEpRbkdJejR6SkJySHlXNi0zTFhUT1A1WFFZSVJvVVBOdHZGUGxr?oc=5) · TradingView
- 2024-09-16 [Central Pacific Nears Deal for Hawaiian Electric’s Bank (CPF, HE) - Bloomberg.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPblYxRHNLU2JfSjMyOTFfT3g4RzZ2VWN4VTE2a0w3bHFwWXdKTW1KN0pyQXQzaVlYVTZVajJIaEd0MldUNUpST3Y3TDM0OFdtdG1XZEpUOG9nck9XMzhXT2Z4OHR5R0huMjRId2V0NWZKWTkzUjREeUY4NWxvZEIzYkptYzZPSUJkM0J5RTM0alVkWTJDeTVtYWhPLVFlbHpCSTIyLUtvVUZWWWZnQ0VJUjZsMA?oc=5) · Bloomberg.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29597 (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/29.json (key "29597", 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