# NEW FOUNDATION SAVINGS BANK
CINCINNATI, OH · FDIC certificate 32306 · asset band <$300M · latest filing 2026-03 · 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 | $17.5M | |
| Deposits | $14.1M | |
| Loans and leases | $13.8M | |
| Total equity | $2.7M | |
| Loans / deposits | 96.92% (p90 of band) | 72.28% |
| Liquid assets / assets | 13.70% (p8 of band) | |
| Uninsured deposits / deposits | 7.08% (p7 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.48% (p59 of band) | |
| FHLB advances / assets | 1.48% | |
| Tier 1 leverage | 14.89% (p78 of band) | 11.62% |
| Unrealized securities loss / equity | 0.82% (p99 of band) | -7.15% |
| AOCI / equity | -0.15% (p65 of band) | |
| ROA (annualized) | -1.19% (p3 of band) | 1.12% |
| Net interest margin | 3.32% (p24 of band) | 3.86% |
| Efficiency ratio | 146.53% (p98 of band) | |
| Noncurrent loans | 0.10% (p34 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 614.29% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 2.91% (p24 of band) | |
| Auto loans | $2,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 6 | capital falling, losing money, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 2 | charge-offs p90 | reserve under noncurrent, losing money, expense ratio p90, deposits shrinking, assets shrinking |
| 2014-09 | 4 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | wholesale funding >15%, capital falling | assets shrinking |
| 2015-09 | 1 |  | deposits shrinking, uninsured deposits leaving, wholesale funding >15%, capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | losing money, expense ratio p90 |  |
| 2016-06 | 3 | wholesale funding >15%, capital falling | losing money, expense ratio p90 |
| 2016-09 | 1 |  | wholesale funding >15%, capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | expense ratio p90, charge-offs p90, deposits shrinking |  |
| 2017-06 | 3 | wholesale funding >15% | expense ratio p90, charge-offs p90 |
| 2017-09 | 3 | assets shrinking | wholesale funding >15% |
| 2017-12 | 2 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2018-03 | 4 | losing money, assets shrinking |  |
| 2018-06 | 7 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2018-09 | 5 |  | assets shrinking, capital falling |
| 2018-12 | 5 | assets shrinking | losing money |
| 2019-03 | 5 | losing money | assets shrinking |
| 2019-06 | 3 | assets shrinking | deposits shrinking, uninsured deposits leaving, losing money |
| 2019-09 | 3 | capital falling | assets shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 5 | wholesale funding >15%, liquid assets <10% | losing money |
| 2020-09 | 3 |  | expense ratio p90, liquid assets <10% |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | NIM <2.5% | capital falling |
| 2021-06 | 3 | liquid assets <10% | NIM <2.5% |
| 2021-09 | 3 | assets shrinking | wholesale funding >15% |
| 2021-12 | 2 |  | assets shrinking |
| 2022-03 | 4 | expense ratio p90, assets shrinking |  |
| 2022-06 | 3 |  | liquid assets <10% |
| 2022-09 | 3 | liquid assets <10% | assets shrinking |
| 2022-12 | 3 | assets shrinking | liquid assets <10% |
| 2023-03 | 3 | liquid assets <10% | assets shrinking |
| 2023-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 7 | reserve under noncurrent |  |
| 2023-12 | 4 |  | expense ratio p90, liquid assets <10%, reserve under noncurrent |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | liquid assets <10%, losing money, expense ratio p90 | deposits shrinking |
| 2024-12 | 8 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 6 |  | capital falling, deposits shrinking |
| 2025-06 | 6 | deposits shrinking | uninsured deposits leaving |
| 2025-09 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-02-11 [Vorys Represents Miami Savings Bank in Pending Acquisition of New Foundation Savings Bank - vorys.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPdnMzQWJzN1R0YkRoeDFJb2ZnSHAtSmtGeHJLQ0FRSDdYd25qM0szSVJnUW9vWW9RQzdpRUp4eEpRUVZVMU1USUFpcDI0N09Bb0l4UHVBQkdBQmRBNlpvNVJOaHdFcHlDNXZtM2xoUWx5eW03Y0JyVWdEaHlNb0ZqS1Z2OXMwd2VxcmFHZllfUS1qaTUwUXBEUFB2Yi1ydDA0bDlZNHpXS0QzWHR5aUNQWHUyVFJLZVk?oc=5) · vorys.com
- 2026-02-03 [West Side bank acquires Cincinnati institution, combining century-old firms - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPc01jaHZfcWE2RzVFbFJPZlJ4WEtMeWxjaGF3b09IdXU1dlVVeEpfc1o5bmltYTh1YU5ZeDE0Q2FFa3NiMzF4THFnRDBuTlRGTEdrZ2VZTnZwZktsOUU5NWVYTGdEUzBaR3ZpTEYtenYxN0hLNlpocGhsNHREbzdTcFpkOW5mTGpyUlZpczAyWlBtdTMzU010aDBJU0RHSlRnVWtCdEcwMVZfZw?oc=5) · The Business Journals
- 2026-02-09 [West Side bank adds Cincinnati institution in first-ever acquisition - WKRC](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSjhtanBaZlZNeUlJQU14Y0k4V0ljZVF1dnF6dklSTHFyNHI5ZFFEOWtYX1JXaU9rOEpBQnQ2azBJcDJNTUp3WDRLaE54bzJUMVlOQkUxUFhMclJKLThLSW9Hb2UxS3NkQmVaVXRrSXREMTU4U29oaTJ6MldhWlEtTDZVS0M3eWdiYWp1dzRYSGFMUDV6aVB0YVlDMjBHcHBMNTJ4eDg5OUwwOXRNMEt2bUwxVy1pODA1NlRDRWVmWkZMd0lya3ZId2hLNEdtMFc3djk0YXhaVGY3eEpOMm1n?oc=5) · WKRC
- 2026-02-27 [State of the Pipeline – February 2026 - S&P Global](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUjUwZS1MbXZrd2d0M2FlbG1rdlVtRW9RclpTa2o0cklmeWkwVXJtTTh0ZmxuVmowYTJxNlZJaW1rN3l1aEpHUUZTOUN4U3BCTy1PUnNKLXdmTkxkVU16Tk5LcS04Y0xCT2FjYVZETXJsVW9ZRlNSblhmTGpmZkVRMkZsdjhaVWctNDZaY2xKemVfUU1lakc4eXpyZ3hSVi05Ykl6R2F0WlVVYUE3blVUNDNPUGlGbjFlT0tIOFdKVQ?oc=5) · S&amp;P Global
- 2021-10-09 [Mark WEBER Obituary (1953 - 2014) - Blue Ash, OH - The Cincinnati Enquirer - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxOLTNNU2QtN2N6SF9TbUEzOUVZWXJ0a1Q5MXlHWDNfNWR3bjB4MFVWd09TYlk0WTdrb3llZmg3VlBtanFnNG9xbFJUR1JwNENMemdmRmczMk9Ebmdab2hxSHpUREtoXy16aV9jODUyQzhLT0hEVkdpNHhuYU1Db0F0TlpjTmo0RDk1RExHUw?oc=5) · Legacy obituary
- 2014-09-27 [Local banks gobbled by merger mania - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYV9fX2N3T0VPWXZFOWQyVHZqUjhBcWt6OVJkUEpjd1c1VmU5d3k5d1N2a3NQMzMtSHNsMGN6bEdKWmFqT2ZOeHUtb2l5YUxiajloNFZiUTRacXZvMzVMU0pnRzRuZDRuZmt1Ry0tdVlRRHlzeGJLcktNLUo2Ry1DcVUwTm5rN0dwc01zNGZtb2drN2VvWFJPbnpZMFQ?oc=5) · Cincinnati Enquirer
- 2025-11-20 [W. Douglas "Doug" Hughett Obituary (2025) - Cincinnati, OH - Neidhard-Young Funeral Home - Mt. Healthy - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTFA2TkZEVFJ3MnNnMkROREo2N2RSNllzdlhGRlBLdTY3TF9wOG1haHBnMUtPSlBvUHRIcnJOUkpIeGFqR055Y0tic2hqLUprdjllMUZtNnRVTGNjcUxGN1Bwdm95R1RWU2dkQkNkSkEwMnA4SGJCRmFvd0pzUk8?oc=5) · Legacy obituary
- 2014-03-15 [Blue Ash council member Weber dies - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMitwFBVV95cUxOX2Z2bUxCa2FreTN6ZW1iaFAwNVk4YXlnWGtHMWkybnFZbElhZm9LUTdUeGU1d0hsTHhmZW1XTzBFSzAxN2pFUXc4R3VqYjZzbjVhQ09ReVRaZzh5cVA0RG9iTTBoaGMtbkZ5bHJsYkIxMW1RR1g2OTc4ZFhWVVVZak5OSkxHOGk5WVkzdkxndnNjdE1sdXZMZ1ZleG0zZHdsWWJSMzFRR1R1aXJJNmR5WkJXZjRER0k?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32306 (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/50.json (key "32306", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide