# FDS BANK
MASON, OH · FDIC certificate 33831 · asset band <$300M · latest filing 2025-09 · 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 | $70.1M | |
| Deposits | $7.0M | |
| Loans and leases | $273,000 | |
| Total equity | $18.4M | |
| Loans / deposits | 3.83% (p4 of band) | 72.79% |
| Liquid assets / assets | 87.40% (p98 of band) | |
| Uninsured deposits / deposits | 96.43% (p100 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 29.94% (p95 of band) | 11.81% |
| Unrealized securities loss / equity | 0.00% (p88 of band) | -7.16% |
| AOCI / equity | 0.00% (p9 of band) | |
| ROA (annualized) | 503.05% (p100 of band) | 1.07% |
| Net interest margin | 9.92% (p100 of band) | 3.81% |
| Efficiency ratio | 15.53% (p0 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -53.3% | |
| Employees | 497 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **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 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | deposits shrinking |  |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 | assets shrinking | capital falling |
| 2013-03 | 2 |  | deposits shrinking, assets shrinking |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 3 | assets shrinking | capital falling |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | assets shrinking |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | NIM <2.5% |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 | NIM <2.5% | assets shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-09 | 4 |  | noncurrent p90 |
| 2020-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2021-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | assets shrinking |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 2 |  | assets shrinking |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 | capital falling | NIM <2.5%, assets shrinking |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, assets shrinking |  |
| 2024-06 | 1 |  | capital falling, assets shrinking |
| 2024-09 | 2 | assets shrinking |  |
| 2024-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |

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

- 2024-07-20 [Savings are shifting from bank FDs to MFs: RBI guv - The Times of India](https://news.google.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?oc=5) · The Times of India
- 2024-02-27 [ICICI Bank customer accuses manager of stealing Rs 16 crore from her FDs. Bank responds - economictimes.com](https://news.google.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?oc=5) · economictimes.com
- 2024-07-04 [Corporate FDs are offering over 1 per cent more than bank FDs. Should you invest? - Value Research](https://news.google.com/rss/articles/CBMitgFBVV95cUxPZzF1NVFnUU5ULXpRUElVZkJHbW1SdEhCTDcwaTBpZm9xS3o4dzl0cUFZYnA2WHFEcDJMZnRNMXpyRGNxdjJ3TnJ1QlctUVZzT2theXJVUmFCay1HcDJXQ2J1dUpzMTN3QTRHT0NkMXpPM1ktUHlIVWp6MkNYamJHci1qczU4bDM2dXVjTFdjc3FabFRNeHdzUGF4d3I1Rm05M0dYTW8zbk1xNE5tTlA0NTBfY2tBQQ?oc=5) · Value Research
- 2022-11-26 [Top 5 PSU banks promising highest returns on tax-saving FDs in 2022 - Livemint](https://news.google.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?oc=5) · Livemint
- 2024-05-22 [Central Bank of India Asked To Pay Rs25 Crore with 9% Interest for Embezzlement of PHFI's FDs - Moneylife](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQZzVkY1daUHJwZmh1MUxyVDM2NHhQTFNtNGpwci1yREx6d3lfZ1A5RUY3MzMzSDR0LWZxdUhLdlVhMUlHRHhVaWcwVmZ1d0xIVE9mUExoZzh1Smdlb21IbjhkN1E2Z2JfenlOM3c1TXFhN2RaU3MwZmYtZVk5RTFvbjItbTJoc0ljYjQ4NnFKUjJpUHgzbTJROEk5S0piVmJnLVNSYTJVTnRJaFM0UFZmWG9mUUNjZjFVVjlkY1V3RW5QQU92Q01XYXFnaG91bUw2WW9DTW1kQUtIc2w5M0xz?oc=5) · Moneylife
- 2024-11-04 [Top 5 Bank Fixed Deposits: Which are the best FDs for 1, 2, 3 and 5-year time period? Check list - The Times of India](https://news.google.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?oc=5) · The Times of India
- 2020-11-20 [DCB and IndusInd Banks offer the best interest rates on tax-saving fixed deposits - Moneycontrol.com](https://news.google.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?oc=5) · Moneycontrol.com
- 2026-05-16 [Raipur IDBI Bank fraud: Outsourced staff accused of siphoning off ₹1.53 crore through fake FDs; bank says a... - bhaskarenglish.in](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOVjZYbFRqVXBueURSM0N5RzItTzJHbjFfQWpjZEhseDdlcVA5NTlGbVVURHVlZFRaSGNlNnlsUGNkMTlQUGRUb0VUOUZrQnpuRlZoUG1HZUUteXN2U0w1eWR3ZnNFQkVfdVNqdzdGY1hlcFFLeW5FRVoxVDM2V0pTa3NSQlRJX2tieFN1ZU5SOWtCRWdUWmIwcTM0UnhQSlFWcHZaRzN0WktyblFYaUpKTTJSU0N1b3pwdXlhMW13R1lxSmc3bm5JRDNBU2NtYjNVZUZ4Y1MxaHJHdEI5MXBLR3VmWEEyQdIB6wFBVV95cUxPdmM4VVZxSUR1a0EybUJsNG05VXhJYmV3SHpHdjJFU1JZcXZ2U3ZUSnU3Q1d2aUloZ2syd05UWEJnWkVBdngzNmlBU2hHOXFVdG81SzZrOHk5WVNvWW85S1dmdVluQWtoRW04YVh1NTZ3SGlYdjBENF9KaFpzblFQMFh3ZVlucTRnSnZ4Ni1nRUhsQ1UtLUZLYXBNV1BaNkFYOER6NDB2LWI0OHZoV096Sk5VTG5ISHpEQmFSbTNGUm8zcU5XQU8zcWFGYnUxNjJ0bmM0SGJ5eFhtV0pGZzZwX0tFYUR4bW0zMS1r?oc=5) · bhaskarenglish.in

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33831 (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/39.json (key "33831", 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