# BELPRE SAVINGS BANK
BELPRE, OH · FDIC certificate 30744 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $47.7M | |
| Deposits | $36.5M | |
| Loans and leases | $28.3M | |
| Total equity | $6.7M | |
| Loans / deposits | 77.20% (p52 of band) | 75.88% |
| Liquid assets / assets | 29.88% (p49 of band) | |
| Uninsured deposits / deposits | 5.68% (p10 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.48% (p75 of band) | |
| FHLB advances / assets | 7.48% | |
| Tier 1 leverage | 8.77% (p13 of band) | 10.88% |
| Unrealized securities loss / equity | -2.04% (p26 of band) | -0.66% |
| AOCI / equity | -1.27% (p4 of band) | |
| ROA (annualized) | -0.22% (p5 of band) | 0.85% |
| Net interest margin | 4.12% (p73 of band) | 3.74% |
| Efficiency ratio | 97.31% (p94 of band) | |
| Noncurrent loans | 2.30% (p87 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 13.06% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 1.99% (p19 of band) | |
| Auto loans | $2.9M (10.16% of loans; DQ 1.32%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **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 | 1 | loans exceed deposits |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2012-03 | 2 |  | reserve under noncurrent |
| 2012-06 | 3 | reserve under noncurrent, auto book souring | liquid assets <10% |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 4 | liquid assets <10% | capital falling |
| 2013-03 | 3 |  | liquid assets <10% |
| 2013-06 | 4 | liquid assets <10% |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 | capital falling | liquid assets <10% |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | uninsured deposits leaving |  |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 5 | losing money |  |
| 2015-03 | 5 | charge-offs p90 | losing money |
| 2015-06 | 7 | losing money, expense ratio p90 |  |
| 2015-09 | 8 | assets shrinking |  |
| 2015-12 | 6 |  | loans exceed deposits, assets shrinking |
| 2016-03 | 7 | capital falling |  |
| 2016-06 | 6 |  | uninsured deposits leaving |
| 2016-09 | 6 | assets shrinking | capital falling |
| 2016-12 | 6 | NIM <2.5%, noncurrent p90 | auto book souring, charge-offs p90 |
| 2017-03 | 4 |  | NIM <2.5%, noncurrent p90 |
| 2017-06 | 4 |  |  |
| 2017-09 | 5 | deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2017-12 | 4 | capital falling | deposits shrinking, uninsured deposits leaving |

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

- 2019-08-21 [A mutual preservation pact in Ohio-Kentucky deal - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTW1venRLTnJINGJRVFE4T216aHd5YlFDLUZJVXdqd2p6UFdGUmk0Z0ZZdUpwbnZaV0ZJQWdRS0tzaWl1aGM1MnRZTjVoWGhJaTNCY0Q1WmZvQ1BpSVhoOU5RQXNXTnN5VXZuSjhzZUtER21tRVR1M1pZMGRYMFNIMEZzYVRtQmRQdzZUdw?oc=5) · American Banker
- 2018-05-31 [First Mutual Bank Launches In Ohio - Patch](https://news.google.com/rss/articles/CBMidEFVX3lxTE9qZVNPVlpCeTI2RE1jMUFUU213VnJBRG53WEdnT3dWY3Zjc0VzQWFEWjBXaFEwVjBoVU1MN1B6MmVTXzFWZ3UyUnhxQ21LVnk3Qnl1T3N0VzhIb0ZhQUg3X00zNFhtRk13cUpBTVBXVVZ5SzJZ?oc=5) · Patch
- 2018-04-27 [Belpre Business Expo slated for Monday - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMimAFBVV95cUxNLTBGTmtPaDlUS1Q3Z2VUWGdZSXVoQXQ1V0VNRUhjcDJHbDhRT2l6VFNYX2ptLUpsby1QV0VUZnpmTWR2MXhzV3ZIQUJUcUVhQ29xUHk1aDcxemFfTTJfR0I4OFVnb3hfMWhiQ0FfMnBpTTA5N1hzUnlZeHBQclhsZnkwcEVmZFZRdHpwbmtCNThIRS00LXpTRw?oc=5) · The Parkersburg News and Sentinel
- 2022-10-08 [Rockland United Methodist observes bicentennial - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT1hRd0oxT1lDcVVsVmlMUXNEWnd5Q3FVV0x6NEhNNk1DZ2tqcXZ6OGpqTVh6S1NDNy02aFozajdoeFNDQzNkUkZnVGtXbjdHY1JyZG0wbUhCZVloeDhQWUdGcWhLMDZ1d1JYOTJYSzVGVU44MlVlWTB0X3FjQ3Uwak5kNTRkS09hQnExTkRPcldHaXdHZXpMMzk1TkZnbUtoZzN5amd3NFdESDFO?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30744 (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/24.json (key "30744", 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