# ADVANTAGE BANK
CAMBRIDGE, OH · FDIC certificate 29864 · asset band $300M-1B · latest filing 2013-12 · 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 | $773.7M | |
| Deposits | $606.6M | |
| Loans and leases | $629.3M | |
| Total equity | $72.4M | |
| Loans / deposits | 102.39% (p93 of band) | 77.63% |
| Liquid assets / assets | 12.14% (p7 of band) | |
| Uninsured deposits / deposits | 4.46% (p4 of band) | 18.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.91% (p73 of band) | |
| FHLB advances / assets | 9.92% | |
| Tier 1 leverage | 9.20% (p30 of band) | 9.92% |
| Unrealized securities loss / equity | -1.84% (p44 of band) | -1.24% |
| AOCI / equity | -1.38% (p71 of band) | |
| ROA (annualized) | 1.09% (p69 of band) | 0.83% |
| Net interest margin | 3.36% (p35 of band) | 3.59% |
| Efficiency ratio | 91.32% (p92 of band) | |
| Noncurrent loans | 2.12% (p74 of band) | 1.18% |
| Net charge-offs (annualized) | 0.36% (p82 of band) | |
| Reserve coverage of noncurrent | 62.03% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 42.69% (p62 of band) | |
| Auto loans | $1.2M (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 198 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | liquid assets <10%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 6 | loans exceed deposits, losing money, construction >100% equity |  |
| 2011-09 | 3 |  | liquid assets <10%, losing money, construction >100% equity |
| 2011-12 | 4 | liquid assets <10% |  |
| 2012-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | uninsured deposits leaving | leverage <7% |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | expense ratio p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | loans exceed deposits |  |

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

- 2026-07-02 [Oppenheimer & Co. $70M Advantage Bank Deposit Program Settlement - Claim Depot](https://news.google.com/rss/articles/CBMifEFVX3lxTFBHZHR4d05FOUJZYTd4S25BRngyS3RwZGp2NkJfYmozSC1MSlZMUzIwaFRQLVZNYUNDOU9QQVVQbEw4TmpMSnVZSS02YUR6cXJoTGRIenoyd2ZRd1YyOTNpeHBTREx1X2VlQk5jQXJtS1FYc3U1bko5TTdhbno?oc=5) · Claim Depot
- 2019-10-25 [Reliant to acquire Clarksville's First Advantage Bank - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMizwFBVV95cUxNQnVuUC16YllJVU5mbks1UUZMbmJUSTJGcmJubE44dFN2QXBwVUp3Y1ZZemgzMkZ5S0NaTzhtYjl3VzRFaWZuSEJQV2wydzdPRG1tdjBXcGNUNU80eDB5Y3NKUElrR0hleHpscWpNb2cxcDNERnplNXlHZ0x6TmlFakFpNVNMZGpIMmlENGp1azhWblZ0UmZ0enZRQjkxd1A2N2Z5VDFOcmF0YV9ISS15MU9YZVZPOVJPd1R5RE9UZEhBVGNzdVpWOFRseVJmNnM?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2019-06-25 [Tuttle Bancshares to acquire Advantage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPLW45Xy1zYmZLdWF2Q1ZSX2I2TE1iODcxOS1vTzloRXVZX2k2WVhPMGx5VHhFVWZDdXVaRVNmSHQ4LTFKQThzcHVGUVJaNDNrb0NRRE90RzV0d0RDR1RudVRsQ0tDQnhsUUVzc2EzeHV2bkxidnU1d2J6andlYk9RbE9reGhmdjVX?oc=5) · journalrecord.com
- 2019-10-23 [First Advantage Bank announces merger with Reliant Bank - Clarksville Now](https://news.google.com/rss/articles/CBMikwFBVV95cUxQck84MmhFd2M2Wm1LR0p0bHp1U0ZEVllYQ0RoV1E0U3Y4cmZnWTM5M2pxU1N5dllnbTQ4LVdVV2JzVk1NZXdpR1dna21uSDZTSS0xWFJIVHNqSGxBRzZFNG9zaDQtMXM3UlhZWWp0a1VpNHdGSkxrdDdPM01nbkhMV0hFTWNvclA1SlBpR0lxTjFhc28?oc=5) · Clarksville Now
- 2019-05-17 [First National Bank to acquire community-oriented Colorado bank - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbGc3bms4SWYxWDUtOHFEWnlhZ1l5d2l3X0VjaEh2Q1dONUI4LXIxbGFSYWtrdnhpejdlTjFNZ1NEek9hMFpSNHVXVUtwTTJzWE5XeVA3Q01VOE9VbHNNTl90X3Y5bk1XWVBvUkV3S0Z2c3Z1N3NabHZacFZzNGZxT01Tb0Uzc0ZROFlNZlFVMEhHaE5i?oc=5) · The Business Journals
- 2013-10-11 [Huntington buying Cambridge-based Advantage Bank chain - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNLWlId0YtU1FJOGF0c1RTZGczbGY2cGVFYzRNbzdSX1h3QzJUYWY1TE1YZG1WVGRUZklTOHgtOTZnYUl2Yl90MXF1NElpanN6cGR0RG5nV1RqdjZGOXU3M1BJaWEwVURTRXljbzUyNkhhcFpkSF9zdWJXVmF4YlBXX2xNZFZyZlpHdzM3U29iSG1tYnF5YXFXRXEwbGVrOFdpbGlSX3hjeEk1d2c?oc=5) · The Columbus Dispatch
- 2026-07-27 [Bank of Hawaii Q2 2026 slides: margin hits 2.78%, shares fall on revenue miss - Investing.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxOeGppUTBTdXlxUmhFSHdPRHItVDViRkZrb2NIR0pobENuSDJrbHJoZEtCUk1hUDNPOEV6OWxfbmV2aTZCSXAwT285TVZ6WjBaNnFtVGQ2QnB0WHBtZ2ZXNTZPdmxSOVh2ZGdLMF9WSVRHdHREUEdWeTJ5T1QyUkU2ams2WUZtZ243RW1uU1pQVG8wSDRXQjhkOVYyUV9vczM1TUVKblpsSTY5TDJWbE8yMlJfUjdtTTdNcHQxX01GY0dhaXF4OHZYUWFR?oc=5) · Investing.com
- 2024-08-02 [Why the local banks most exposed to CRE aren’t worried - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcWxGdVdvYkU3dnRwQUJmaXJTd1dBWlBodGlKSlpvRHZUQ1dMQ0NlQUdWTmNzck5VSEdlYm1zU3g1U2tveWM4cG5aVlVENlRCRllaOXZZWFdyV3NhTDh6Q0dfWFd5Tno5U00xZmswRGdsbVUwdlpSOGJaUWlNLUx1eWk4eFlwQ3dGRTNCd2ZfZkhxX1dsdmdBRnplZHpKNlBJNFMyTVpBRmpTVXc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29864 (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/40.json (key "29864", 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