# DEARBORN SAVINGS BANK
LAWRENCEBURG, IN · FDIC certificate 29926 · asset band <$300M · latest filing 2020-03 · 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 | $127.2M | |
| Deposits | $106.2M | |
| Loans and leases | $96.0M | |
| Total equity | $12.0M | |
| Loans / deposits | 89.55% (p78 of band) | 75.62% |
| Liquid assets / assets | 18.21% (p17 of band) | |
| Uninsured deposits / deposits | 25.96% (p82 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.72% (p70 of band) | |
| FHLB advances / assets | 4.72% | |
| Tier 1 leverage | 9.35% (p17 of band) | 11.43% |
| Unrealized securities loss / equity | -0.06% (p25 of band) | 0.53% |
| AOCI / equity | -0.12% (p31 of band) | |
| ROA (annualized) | -3.20% (p1 of band) | 0.92% |
| Net interest margin | 1.99% (p3 of band) | 3.67% |
| Efficiency ratio | 320.72% (p100 of band) | |
| Noncurrent loans | 0.14% (p28 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 658.82% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 61.67% (p86 of band) | |
| Auto loans | $127,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | assets shrinking |  |
| 2017-09 | 2 | deposits shrinking |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 | loans exceed deposits | assets shrinking, deposits shrinking |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |

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

- 2019-08-29 [FCN Bank, Dearborn Savings Bank Preparing To Merge - Eagle Country 99.3](https://news.google.com/rss/articles/CBMiowFBVV95cUxNWUFWeF9ONS1YeTZULXdoWmZsVFI2cHRjbFJjMXRYNXNEeUs0NTN2Z09PbjR0TkZBN0NOdGJlQVhHNE9RUEF1OVBEMElPUHhIZWtIWmp2UExoTVctcms0NkhwRG0wb0hqTzJMX2FHU1BZYmpMcnBvVnFqUWFoQXhMOEhJOW1nUzNESnJQT3NpMFNPbmstVDhkLVNyVmpMcy1XM3lR?oc=5) · Eagle Country 99.3
- 2019-09-03 [Greater Cincinnati bank agrees to be acquired - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSU10LUplSlZOQ2lsdHZTazZrbEk4S01mYklib0tQUVVONEhCVngzRVdJLUFncGI3ZjNmNnNuS0FsMmIwdFd3QXgyYUxJSDR0eVh0SEgtRXFHRTFVcnI0ZU5GcTV4Y08wVXh4SWc3WXJEN1ZoNlppNUFmbGZQOU9mSU02RU5Vc2Fld2JhV092NDBheVVRRzRTTWlCMmNkSThlbWRGTmItMWM?oc=5) · The Business Journals
- 2018-06-06 [McAlister, Baker lead RSHS Class of 2018 - Vevay Newspapers](https://news.google.com/rss/articles/CBMie0FVX3lxTE1TUzB5VjR3SXpieDlZRmFtYTZfLWRPMlBGaEQ0X3lNZEVOSk55X1kyS3RPa3pRREI0TnRwcVVnOERjM1Z0SXNMTWNlMjJkNGkxRHU4Y3IzQ2lNejh3bWdGczMtQlZfd0JBR0tvRk5pOXA5eFhvWDRUOVdiZw?oc=5) · Vevay Newspapers
- 2019-09-03 [Napoleon State Bank Announces Pres./CEO Retirement; Next Leader Named - Eagle Country 99.3](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNU2RVakt1bFJXRjBnRmxHTU04NTZET3B1WWF6MXNKWWZIMjluZFhzNGxEMFR6RlRfUDY4djc2Y2pMcTdMOVI4d2ZNSHhlMnRmQVVZd0JiR3Y4X0ttcTAyUWhYTWxHNFMwNkJMOWktUlBEZEYxTUFaV1N4eE5lWm9wYmE5emVwWFExV2xLYkNOQktGUy1ZWTYyU0VlNW1fTVdfWXhJaklkMXRxREs3UFZpa0lYME1KbngwZmNv?oc=5) · Eagle Country 99.3
- 2021-09-20 [111th Aurora Farmers Fair Runs Oct. 2-5 - Eagle Country 99.3](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPR1JXVWVQbnp4LVZDZ3lZV1BKNkhKVldnSjZqUjF0VXo3MDRGUEZ0YTdzeEppLTgtYmVHRjkzSlNhTGNyTEZyY01tZmxFQXcwdTlTTUdiNnBpMHlSanYtbUtvT2dSVEhPSEtWc0ROUjhWRDhiaHpxazE4TzBOR3FOQmFUeVd2WGRhSUFOV1FwcDNPVGNWSXlxbHdjblNRNU8wWWV2d3pBNnl6TFFKRnd0Sm9ZdTBIaWd4LVR5X0poaG1VY2xVSGNZdjBQMWczcDV5OHZnZQ?oc=5) · Eagle Country 99.3
- 2018-11-09 [Dearborn Co. Chamber Celebrates Businesses, People Making A Difference - Eagle Country 99.3](https://news.google.com/rss/articles/CBMivAFBVV95cUxOcXM2MXVSU0UyV25FLXVpX2xpTjVNbmp6OHF5bDg0QjhweWRxS3J1NGFhWXJUMFpMUy0yWG4zUkI5VXBGRTRKMGFaaGVIMFdxZHZzWlc1Zlo2TlpaMS1vMW53Z1lnNGpWTGJHUG0wRUVIVjM4SWQtTHlPdWNKSVlkS3VSODBiVThCbUJCUTdQeXRlRVV5a09lVGllV0w4allxcDFaaGhYVC1EY19CSDMzdkUxMnJqdDVSRjlzMw?oc=5) · Eagle Country 99.3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29926 (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/38.json (key "29926", 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