# COLUMBIA SAVINGS BANK
CINCINNATI, OH · FDIC certificate 32284 · asset band <$300M · latest filing 2014-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $36.5M | |
| Deposits | $29.5M | |
| Loans and leases | $25.9M | |
| Total equity | $766,000 | |
| Loans / deposits | 83.47% (p78 of band) | 68.03% |
| Liquid assets / assets | 17.77% (p12 of band) | |
| Uninsured deposits / deposits | 0.01% (p1 of band) | 12.24% |
| Brokered deposits | 1.09% | |
| Wholesale funding | 17.32% (p95 of band) | |
| FHLB advances / assets | 16.24% | |
| Tier 1 leverage | 2.07% (p0 of band) | 10.34% |
| Unrealized securities loss / equity | 0.13% (p64 of band) | -0.15% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -1.77% (p2 of band) | 0.74% |
| Net interest margin | 2.71% (p11 of band) | 3.59% |
| Efficiency ratio | 146.21% (p99 of band) | |
| Noncurrent loans | 11.56% (p99 of band) | 0.94% |
| Net charge-offs (annualized) | 0.30% (p90 of band) | |
| Reserve coverage of noncurrent | 41.64% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 46.34% (p79 of band) | |
| Auto loans | $5,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.7% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | brokered >10%, expense ratio p90 | loans exceed deposits |
| 2011-09 | 9 | leverage <7%, capital falling, charge-offs p90 |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 13 | leverage <5%, deposits shrinking, assets shrinking |  |
| 2012-06 | 14 | uninsured deposits leaving |  |
| 2012-09 | 13 |  | brokered >10% |
| 2012-12 | 13 |  |  |
| 2013-03 | 13 |  |  |
| 2013-06 | 12 |  | charge-offs p90 |
| 2013-09 | 12 |  |  |
| 2013-12 | 12 |  |  |
| 2014-03 | 12 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-02-08 [The Columbia Savings Bank clock: Our Neighborhood, The Way It Was - qns.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBod2g0UE1GRXJPbFdMcXExOGpZdVB4WWFUOFlVOFJndkpXSW0tTUlNa1l4dFNqUkhyNTBYUzJ0dDNFMnNHaTJWX25YNjBweEQyX0xRcU5DV0NsaExLUUN3OFphWEVvcGJOT3EtbGRvT2hFVE9LYWhpeA?oc=5) · qns.com
- 2014-05-23 [Columbia Savings Bank shut down - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTmY5Z2hvcUNJSk9OamxpTjM1VGpmMUxkUi02d1BKSHg4dVJHYzNnVkVscW1oRXZkanRieThXdHBGZ0RhajVCQ1haZTFqUkJwMjQwMDlfcHVLV1VTaHdyWGpxbnd4R085Mi01RlRVMXQxa2s1VWtwQ3JzTmhnb19EdDVqYTd0LW9UN1AwSDFB?oc=5) · Cincinnati Enquirer
- 2017-04-30 [Columbia Bank grand opening celebration in Franklin Lakes - Bergen Record](https://news.google.com/rss/articles/CBMizgFBVV95cUxNV09MMkNiM0wwMEJBd0J1THJncVI2UGxSTDBWRnN6bzVpY3pGbTJJdDJ1cUdyLWxmR0NaRC1BUGhfUGJZSDRqLS1RbEV6SDNHbG1pTDAwSlp3TURxQUFJaEc5cFJTODQxT2tjNjZUeE1FTkV6SlJOOTFtMDhKT21KZEItOEE5N2o0RWZKUlVfRUFEdTVibHh6MkVUaXl0UmQ4WGFCU2IzX2FyLTNHSkZ5Mzg3YV9aemxRRkM0aENCUENSakhCLXV0YTR4ZlJwUQ?oc=5) · Bergen Record
- 2025-12-01 [Annette Unho Walck Obituary (1957 - 2025) - Myrtle Beach, SC - Post and Courier - Myrtle Beach - Post and Courier](https://news.google.com/rss/articles/CBMioAFBVV95cUxNaEVLa3dGRzgzazNXVDdaTFBHZG5ZY0FXbGREUzNHN1Y0MUtPcWpWVnlnQVJGWWVUNGg2NTFZSEh1UHpPdExzQnVtdnJ3ak9oaC1od3BqUlhaNURiQU1hS0RhNUlZSUxTVW1yVW81MlNEMkZXWDhkT0d1b3ZRSGY1TTRtS1UwUURBR1NxTjRpR1dhSGZsRkpTMTFEbnNlT0lo?oc=5) · Post and Courier
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2011-02-26 [Bond set for 59-year-old man accused of robbing bank - fox19.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQi1mWEdhNHB0WGc5Sl9FbzkyZVN3LUNsQlVMX0ZUampUbmlWb3RmVFRPYV9ERUdpRW9LOEdzN2hkWnJpNjBXbTdHOGpwcGVGNy01M1RyWllZSnpxMzBSX0NJSGxKNXY3aFNpNTZsQXFrbUI0S0l6aFdmcnNvZFFlazVNS3pmU3BaaUd2bjRR0gGgAUFVX3lxTFAteFR0TzNvWGE4WFRmYVNMQktQWTRuNWxMVW9JRFlpc0V5WkRpSnJxd1dYWFFpczNnZDBWWjVLb2FSLWtUdGgwWEJyaWJMRnpiNl9kUVhpXzF5R3ZJUkEwc1A0bG41WUxLaVVIdjB5VnZ5WWpvWTNQRDVGVUlHbnlpb2FMTHlGdXRLYnhzaTdJdEp5NFlpMGoyWkJvZWxvMWI?oc=5) · fox19.com
- 2025-07-16 [Built to Last - COMO Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRWtOV2FEOTBRaVhvdW1odjVrZmg4VXVlalpZV0NCVHoySWpuWTlJYkJkeVNITDRMNzFfdGNsN0Nra2xOUVZPVHpLY3hCeUFvX0FlekFzcjlIdDB4QVZ5RkhwXzAzZGd3djVlNFRra2FIeEhMZk45OU51ZzAweVNndFgwRkFWMFhKbzdWV1phUQ?oc=5) · COMO Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32284 (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/28.json (key "32284", 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