# GEAUGA SAVINGS BANK
NEWBURY, OH · FDIC certificate 32287 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**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 | $273.1M | |
| Deposits | $184.3M | |
| Loans and leases | $181.1M | |
| Total equity | $40.1M | |
| Loans / deposits | 97.40% (p89 of band) | 76.58% |
| Liquid assets / assets | 31.70% (p54 of band) | |
| Uninsured deposits / deposits | 8.47% (p18 of band) | 16.53% |
| Brokered deposits | 2.12% | |
| Wholesale funding | 19.21% (p96 of band) | |
| FHLB advances / assets | 17.10% | |
| Tier 1 leverage | 14.67% (p80 of band) | 11.42% |
| Unrealized securities loss / equity | -1.16% (p4 of band) | 0.65% |
| AOCI / equity | 1.28% (p39 of band) | |
| ROA (annualized) | 0.38% (p14 of band) | 1.01% |
| Net interest margin | 3.32% (p24 of band) | 3.82% |
| Efficiency ratio | 75.26% (p64 of band) | |
| Noncurrent loans | 1.95% (p84 of band) | 0.52% |
| Net charge-offs (annualized) | 0.32% (p92 of band) | |
| Reserve coverage of noncurrent | 47.02% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 11.59% (p43 of band) | |
| Auto loans | $4,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 | losing money, charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-06 | 8 | capital falling, expense ratio p90, NIM <2.5% |  |
| 2013-09 | 7 |  | capital falling |
| 2013-12 | 8 | assets shrinking |  |
| 2014-03 | 5 | deposits shrinking | losing money, charge-offs p90, expense ratio p90, NIM <2.5% |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | deposits shrinking |
| 2014-12 | 4 | NIM <2.5% | assets shrinking |
| 2015-03 | 4 |  |  |
| 2015-06 | 6 | expense ratio p90, charge-offs p90 |  |
| 2015-09 | 5 |  | expense ratio p90 |
| 2015-12 | 5 | capital falling | charge-offs p90 |
| 2016-03 | 3 |  | NIM <2.5%, capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | deposits shrinking |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | assets shrinking |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | deposits shrinking |
| 2017-12 | 5 | capital falling, deposits shrinking | noncurrent p90 |
| 2018-03 | 5 | noncurrent p90 | capital falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 2 |  | wholesale funding >15%, deposits shrinking, noncurrent p90 |
| 2018-12 | 4 | wholesale funding >15%, noncurrent p90 |  |
| 2019-03 | 3 | charge-offs p90 | assets shrinking, noncurrent p90 |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 3 | deposits shrinking |  |
| 2019-12 | 4 | charge-offs p90 |  |

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

- 2017-06-18 [Geauga Savings Bank is Back - Geauga County Maple Leaf](https://news.google.com/rss/articles/CBMic0FVX3lxTE04QkdRaTI3eExWeFp2WlZkdTkxdHdGMzZSbHpnMVQyQjhEMWdzajNFajN5NzloRGxVVnNMMWpLSjNPLTMtcU5naml1Wmh0OFBVSktqeGExa0g2Qk0yX2pERHJOWVhOYS1UbnhnTy01eXp0TFE?oc=5) · Geauga County Maple Leaf
- 2018-03-15 [Geauga Savings Bank branch now open in Beachwood - Cleveland Jewish News](https://news.google.com/rss/articles/CBMihAJBVV95cUxPR291X05HOHlkZ01QR1J4U2FzaFdDb293bTg2RXE0N05EZDZTalhONVRodGptZi1faVQ4UE1PWW5TaC1lS2UtdGw0QTY3UkJ6TUJ2blBPNm1qLVFMeUFxLWRBVWtfSzN6Yk9NRWh6dWtib0Y1aDJ6cG9OQnZCNzJaN05vUW1hQUlkSHpHWEtXeHZOUnd5M0g0YUl6bkh2SGxLWEJhY1ZoQlRvYVRwT0NzWlh6UnkzM013RHdVZ0xBWjF5d09IeXZuNmlYMlFJVFF4ZUw1QTNjV254aDh2ZXJGeE5HZXhTd2h6ak45dGMtUDV2VmZkQUhUNDVaQWZHX1ZEeFMwc9IBigJBVV95cUxQTVV4MzlDaTQzSG1CcUxWYUFCQU1ZMU1DSkMyZVVkVnl6N3JIRU9zMWt3b3E1Wk1EanlfLUZpcmRqbXRRNUVoMHVONUZ1QU9OaVgzQ01xMVctQVVJRHE5eGk1Z2VEcFBtWGtHNWJJUmwyNVdmOGwyTkdZNjQ2R0VUWC1TMGdaNmwtckg1SmpxZkpPNlZzdlBFWU5vUV9GUFhBV3dOLURiemJLUU1YQnd4ZkpNZXp2al9xM0dIVnhzQzZUOURuMVE3amVQc2pZOW1EWEJKRXpDM1BwM3o5X0tZREdSUXRZUWJOVHFXTExGeEdRY241dEh6cVRtYldiWWNIQzNvd2ZPUk44Zw?oc=5) · Cleveland Jewish News
- 2018-02-15 [Geauga Savings Bank’s Dell Duncan Wins Lender of the Year Award - Geauga County Maple Leaf](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUTVkZzdSdldETEVFQ05JNnFKRzdsV0xpTWFVMFVDRmUwZUd5ODFiWGxhR2xOOElnTUJKempiQkd2Ry02ZnI1WmUtMGoxUUVycWd2Qk5IZ0VDRmVoQUtMdHh4cXFJRHdWTWk5TkxTeVNHLTloc1IxRXp6VGJOTExCcnZ4eVV4V2hSdjgyUm5BYkhWRmtEYldIMFg2bEJSZ090eTdtTQ?oc=5) · Geauga County Maple Leaf
- 2019-08-23 [Michael Lewin seeks to bolster Geauga Savings Bank’s mortgage portfolio - Cleveland Jewish News](https://news.google.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?oc=5) · Cleveland Jewish News
- 2012-09-04 [Northern District of Ohio - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMidEFVX3lxTE5TWmNtejF2elExMXNJbHdoS0ppUHg4dnlCZzZsX3hZdDg3X3VtWDFrNXY3dGdmMDFOQzRuc2JGaWtDcG9VVUZ3UkhrLUFGMnBJQW14ZTF2T1pIMDd5aEhkZzZwbFlEMEREbnhsRmFVMERubWtp?oc=5) · Department of Justice (.gov)
- 2021-10-22 [Worth Wollpert Obituary (1943 - 2015) - Glen Mills, PA - Daily Local News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNNGp5U3FiV2t6Q1N3R1FGcGNObnRlbXEwTVVKSzAybjRVMGlUa3RIc1JmWTB3dkIwWTluQVZrNUlyeGdxVFhWajJLV2FsQnN3VFpoYVBWOGM4N19KRldUbExlNV81NVR6M0ZfTWIxbl8wWjlWcENMc0k4LUJpWm9yUGNCYjBxbG1JZ1BUdFJTRU5WQQ?oc=5) · legacy.com
- 2019-04-02 [Frost Charged with Passing Bad $2.5 Million Check (w/ VIDEO) - Geauga County Maple Leaf](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMDRuTGZaeEQzWmVaQm1oXzBZWFRRQklLZjNBN1lQVXRORkhRcGNfeG5MWE5DZGJXVnl1d2w4X0M5bkhRRVN0NG11TUF6bmpzejdXWlMtRWIxOVZiX1pqcjhkbTJja1VRWWFjTDJzQ3NyYXgyM2JFYVppT2NmODltWWJfM0VVVVp4SnJVc3RaRQ?oc=5) · Geauga County Maple Leaf
- 2019-03-04 [Managing mitzvah money: Experts suggest saving most of it, spending a little - Cleveland Jewish News](https://news.google.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?oc=5) · Cleveland Jewish News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32287 (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/31.json (key "32287", 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