# AMERICAN SAVINGS BANK
MIDDLETOWN, OH · FDIC certificate 29899 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $44.3M | |
| Deposits | $35.9M | |
| Loans and leases | $30.8M | |
| Total equity | $7.8M | |
| Loans / deposits | 85.34% (p65 of band) | 77.89% |
| Liquid assets / assets | 21.64% (p30 of band) | |
| Uninsured deposits / deposits | 10.99% (p29 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.96% (p90 of band) | 11.44% |
| Unrealized securities loss / equity | -0.03% (p18 of band) | 0.54% |
| AOCI / equity | 0.04% (p14 of band) | |
| ROA (annualized) | -0.04% (p5 of band) | 1.03% |
| Net interest margin | 4.10% (p67 of band) | 3.82% |
| Efficiency ratio | 102.29% (p96 of band) | |
| Noncurrent loans | 0.52% (p49 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 73.75% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 1.06% (p18 of band) | |
| Auto loans | $257,000 (0.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **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%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 | losing money | liquid assets <10%, charge-offs p90 |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | deposits shrinking |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2014-09 | 3 | reserve under noncurrent, uninsured deposits leaving | losing money |
| 2014-12 | 0 |  | expense ratio p90, reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 1 | expense ratio p90 |  |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 2 | loans exceed deposits | capital falling, uninsured deposits leaving |
| 2016-06 | 3 | liquid assets <10% |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | liquid assets <10% |
| 2017-03 | 4 | liquid assets <10%, capital falling |  |
| 2017-06 | 3 |  | liquid assets <10% |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | loans exceed deposits |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2019-03 | 2 | losing money | reserve under noncurrent, uninsured deposits leaving |
| 2019-06 | 3 | reserve under noncurrent |  |

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

- 2026-09-08 [American Savings Bank Announces Launch of Initial Public Offering - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOekJxV1ZINXlnTU52Zl9XUF83ZHBBeFVySXRkNnNjUHkzS1BacDlmMUxHbHJ0dkpoeEJ2SE5VaUNtZld5VmtnS1gwLXNDRTAxcEFLZWVLa1ZQRjlsd3RqZmg3NU03UktZZWxfZi1fMDFUaGkwWXNfV0g2LXpxa2VCWGZXZDVqYmpVRnNQSnZaeGE0dHFYQVNEb0FPdF9ydjRQa1lsTUtteXV6TGxmaVJmYXBjbHpqWjBvNFpZSnZnSQ?oc=5) · Business Wire
- 2026-09-04 [100 Years Strong: American Savings Bank’s Century of Community Impact - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxNYkpwLXRZTEZqYUhiZjBnQldJVk5iNVNENU1JWE1FUndFQmtYRnFpT2w4MG1lV0FfdDRuRHRBbzc2YnRLUHRZa1hBRUtiSTlXcWoySzdxQURTTUZUSUg0TTl5am5UQlZsdDlVT1F5NkFpZHg3UktqdDkxbVRxbk1SdzZaR2ZXQ3VoTnRHNmowS0ZDcFR2RWp3VG50bTJLUU5Q?oc=5) · Hawaii Business Magazine
- 2026-09-08 [ASBH IPO News - Hawaiian community bank American Savings Bank sets terms for $120 million IPO - renaissancecapital.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQdDlNOG5wYlZ4UlNZcWxLNFBNeERKSDN1UGx3NEl5VG8tTEFXWU9oYzdSOFM2T0NXVlZaQnFxOEl6OFg5bzE4OWJiRmlMZ1otU3F0ckp0cnF4TTl3V2c4UEtUWmNENVM3UEJ1M3NmbWNHYXdrRm5sS2FlNE1pUEpmdjNKaWJjdkdLa1MtdXk2MFNKZmFoY3lTY240cVlYT1hkOTBWbUJzbE5zOE9WRm9EbkpuQWhXZUdtdjVTaFViVmwzbGR3YXdxOV93?oc=5) · renaissancecapital.com
- 2026-09-08 [American Savings Bank competition offers students a chance to win for their school - The Garden Island](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOcTdOMzQwUXgyTVRVdGpyRk9NbEphX3c0MjRodTUtSURqTUJyOGxqaXdYTE42Nm8xYS1TUDBNaUtZVm1WT0xQbWhoRldyQWFXa0hsdWd3UExyYXJWN1BJd3Y1anFQSFpadWR4cXliVGpNdHVjRkQzQjNJRHRDVzZJeUpLTm50QWMtb0doU3pqbXVDV3h2T3lTamV1TTF2Z0U1YlVZcWVwbHFuMGFuSTZrZjIyYW84N3NJSjFmcUhyNk1iSWxMajZGaU9hclRaeUxI?oc=5) · The Garden Island
- 2026-08-28 [American Savings Bank plans initial public offering - Hawaii Public Radio](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNemJ6VmhndDN0LWhDRmxTRTVTck5YYWRmVi1YOFI3cGhRdTdtb3BYRTJHZzkyQUt3Q1R5cXRENDUzZGhlV1JWN1hfSThBX21hMk9sLXNvcy1taV9paTdMZzRyc2FPRDJDNUstekdIdDZwNktwM3pEZ3RkSmQwLUlRalJUcFAzLWgyenBJQTdNdXBKRzBQQVpNWnZPbU9wdTAzT056cndKMDBHckU?oc=5) · Hawaii Public Radio
- 2026-08-24 [American Savings Bank files for IPO, first step toward public trading - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSVZSS3ZDVnU3Zll0Q1dXVVVtN2dPc201WUFyVXpidU1JLWpyQUF6X0pOLU5pR1JCYmxPOUZiYnd0SXZ4LV9jRmo5U2VQTi1IUFFrbFVnZ3pXSUZxemV1eWZKUThSNTR1MEh3WjgzdGU4OFNyMU5UMG1MRF9zNFpCVHpKcW1kTXVXazZpUGhLUkpXNjd0X2M0?oc=5) · The Business Journals
- 2026-09-08 [American Savings Bank Announces Launch Of Initial Public Offering - TradingView](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQZWFmUFVpeS1Sbm1NUVVZSlMxV2pMVy1yYTVoOGhFbHFMT3BxV1o3aEFMOXdfZ0t2T3c4NWJiQi1nVmJPbEhYZWthcXljX2paWGpQVklOdWpZaF9mSWotdktDeTNnclFuQVZtVEdWcFNvalVERkRnejBNRXB4clRlakhBWm13V0NRQVZuVFQ1RENnS1p6S0I1ZS0zVFFxcTRJY1h3VjFnbU9wY1hqdEdnRHVXek9PS3NXbjlHUkdsQld0M0RmRUU5cThGZDFtM2FC?oc=5) · TradingView
- 2026-08-25 [American Savings Bank files for an initial public offering - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTE5qd0J6a0FycnZNRGt5UEhIOGhFZGtsMTZDMjFILVJDRVNLLVFpNnF4b3g2VGUtdnhwMWtKWGtIX1BJYy0tcnRsaDFQSzdZeTZrWWxFRUFQV0NZaEJiZmh3cHF0XzFYZmVmdlRtbWVZMU1BNmx5b2V3eDIzMzBWVFVpMEd6XzQ3R05RcUxtbzMxcWZxQkJUR0cyTmdaX2g3Qlk3cWU3eVdqaGdhZ2s1X20zWQ?oc=5) · Honolulu Star-Advertiser

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29899 (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/11.json (key "29899", 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