# THIRD FS&LA OF CLEVELAND
CLEVELAND, OH · FDIC certificate 30012 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $18.06B | |
| Deposits | $10.18B | |
| Loans and leases | $16.27B | |
| Total equity | $1.79B | |
| Loans / deposits | 159.03% (p98 of band) | 85.78% |
| Liquid assets / assets | 5.79% (p1 of band) | |
| Uninsured deposits / deposits | 3.91% (p8 of band) | 38.39% |
| Brokered deposits | 5.09% | |
| Wholesale funding | 38.06% (p97 of band) | |
| FHLB advances / assets | 31.26% | |
| Tier 1 leverage | 9.99% (p46 of band) | 10.17% |
| Unrealized securities loss / equity | -1.30% (p86 of band) | -7.43% |
| AOCI / equity | 1.67% (p97 of band) | |
| ROA (annualized) | 0.60% (p13 of band) | 1.24% |
| Net interest margin | 1.85% (p8 of band) | 3.57% |
| Efficiency ratio | 60.53% (p74 of band) | |
| Noncurrent loans | 0.25% (p14 of band) | 0.66% |
| Net charge-offs (annualized) | -0.02% (p2 of band) | |
| Reserve coverage of noncurrent | 182.59% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.23% (p12 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 992 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, liquid assets <10%, securities losses >30% of equity, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 |  | securities losses >30% of equity |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 4 |  | capital falling, uninsured deposits leaving |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | deposits shrinking |  |
| 2013-12 | 6 | capital falling |  |
| 2014-03 | 5 |  | deposits shrinking |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 5 | wholesale funding >15% |  |
| 2015-03 | 6 | capital falling |  |
| 2015-06 | 5 |  | capital falling |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 6 | capital falling |  |
| 2017-03 | 5 |  | capital falling |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | expense ratio p90 |  |
| 2019-09 | 5 |  | expense ratio p90 |
| 2019-12 | 6 | capital falling |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 5 |  | capital falling |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | reserve under noncurrent |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | expense ratio p90 |  |
| 2021-12 | 4 |  | expense ratio p90 |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | capital falling |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | expense ratio p90 |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 5 |  | expense ratio p90 |
| 2024-03 | 4 |  | capital falling |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30012 (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/60.json (key "30012", 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