# OHIO RIVER BANK
IRONTON, OH · FDIC certificate 34017 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $107.1M | |
| Deposits | $90.8M | |
| Loans and leases | $60.4M | |
| Total equity | $8.9M | |
| Loans / deposits | 65.68% (p43 of band) | 69.17% |
| Liquid assets / assets | 42.83% (p66 of band) | |
| Uninsured deposits / deposits | 31.86% (p98 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.64% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.09% (p14 of band) | 10.02% |
| Unrealized securities loss / equity | 9.79% (p84 of band) | 3.21% |
| AOCI / equity | 1.29% (p86 of band) | |
| ROA (annualized) | 1.14% (p70 of band) | 0.78% |
| Net interest margin | 3.98% (p63 of band) | 3.76% |
| Efficiency ratio | 54.04% (p11 of band) | |
| Noncurrent loans | 0.54% (p31 of band) | 1.31% |
| Net charge-offs (annualized) | 0.18% (p67 of band) | |
| Reserve coverage of noncurrent | 225.53% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 27.13% (p65 of band) | |
| Auto loans | $1.0M (1.70% of loans; DQ 0.00%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |

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

- 2021-10-25 [Ohio River bank cleanup starts this week in Owensboro - 14 News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPdEZJYW1qRXdfcjR1UmtrQUJSb1Z2bGU4WEwtbDc4Sy1pX2x3QWowTGk4OUFPbkFJZDBYX1N4eFFaR0x1WFo1YmtmQk1kNUxnblI4TmpwNW9tSldtd0pKZEkyTlpybUFOS0NJR3BsT0hsb1B4cllCU2dFQ1Nzd1V3RUJid1RaVHBEc2NuWXRR0gGiAUFVX3lxTE1nRGlwa042S3pLV0xJR2RCMndlUWNpMlFsNHptNEJydk1SUm5lVkM3ZmhnNGpoQ1BLRjMzcGpNZ3FPNUZSNWhaMWVrOG5DZDU2bVFKODNwVnZIcHhzb19kRHlIYnVTRF9yTGZKeDJUcHowc3Y4UHQxMWRvS2xuMURmcjE1SEtpZjNHc0xUWlFlUzNoS2dLclVKSWlrWGZYWUFOdw?oc=5) · 14 News
- 2023-01-03 [Police release identity of body found along river bank - WSAZ](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQ0dNNk93bGxBY3FuV0IxN2hXNW5WREVqbC0zUU5BU0U2cVNuTk03TGhhd3k4RHZueWNEaEJoemd0RVUybmp2djI3SWxnVWNJQmkyMlZjTDBBMk02MVVYNzlob3U3SWlrN3B4Tng3UVUzcHFMSm1SVFdkMjdQZ2ZhNml2eHd3QVoyQ0hObdIBoAFBVV95cUxOVWRDcUNvT09Mczl1aUpqV2k2cWoxLXZBb2tfZG1DTFVWU3o5M1hNMjA4T2hPM01PWUwyYWxEX2cwS29ZTV9TeklwSmNTOXZfWjhnQTgtam4yRGVEM3VMVExlRWIxWDNSOHpEdFF4ay1UcHMyRTdjRzQ4bGFpN0UxMUI1RUVPX1FhQXhVeThBdW1ybXc5UkxLUXl0QjRNajg2?oc=5) · WSAZ
- 2024-06-05 [Volunteers to clean up Ohio River bank in Newport - WVXU](https://news.google.com/rss/articles/CBMimAFBVV95cUxPX184S0ZHNFpreHFBR19CcUZsTGg4bnJ2V1piMXR1Vm5VMW5DdV9iR09XRVZtd0NxN1ktbnZlMUp2QlBlU043S0prUmFQQUR2ME1xTkJkU1M4cU5jQWZyVVp3ZkYxd0oyTjNyVml2TEVqZjhEUXhsVFF6ZnVZTFhmNU5MLWVoWTNtbkFnN0Zza29XV0JnX3JTTA?oc=5) · WVXU
- 2022-04-14 ['Human upper extremity' found on Ohio River bank in Louisville - The Courier-Journal](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNYUFwaVJ4eUNsUGFkZ2xlb2NPRl9BY3BkSTIwZnRaZzJ2LW0xMTdaQUhXYnVkRjJVTHZ1RWNDbzdNZEtNYXYzenF1VlBtSTlTc213VnlVcTBNUkJuNGpCdmZDQlQ1a092d0t2SnpqWTFITHpLTzZROE5GXzAzRXRZc1Bab0Y0LTdwalFTNW9XLVVNaEZRamwzS3pvODhJMjBCT1FaY3BJaWFBQU5aSHMyVnJRX2xJUjdZcEoyRDM2b09FZTlGa2RUc1Azb1Y1YUg4?oc=5) · The Courier-Journal
- 2014-10-28 [Human foot found along the Ohio River Bank - WLKY](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQeVNPdTI2U1I1aFFDdGJVeXJOR1FNaUJOWE1tR3YybFNfb09ZNnllMlhxdG9DS3VtUmFmUHJOa3YxZHpndHNzTGpMMDRTeWFpM2c1S1NKVFNwQWdYSm1wbHZrNy1iQ3lSVkFBQ2hub3lTMmVvQzhUNVN6Q2d0WnNJNjdyVnZnR1hI?oc=5) · WLKY
- 2019-07-12 [Ruble’s sternwheelers raised from Ohio River - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMVlOWE93MzJNVF94Q2V2eTFLVU5Wa0wydWwzTE1tdlFUaV95TFBVU0djT01nYVBGbEc3T19IZjcyeVB2VE1CM0tVWDJOeERUSGl4MWRrcW1jY19XYkh4T1dEQVFMT0dzWEhEbGh0akpZYjBqVHJXckw1ZEJobERTMGo2ODN6NkhuaGNMRkwtdE5QR29uVWlJdzV0ZExFMUExTXc?oc=5) · The Parkersburg News and Sentinel
- 2020-06-10 [Body found near Ohio River bank in Pomeroy - WSAZ](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVzFZdHJZRTZiTnN4ajNwUktKNkVJZ2htRUZ6MWtiRkIzSmhxdVJ1Qy1Yblg3dU04SWZlQmVwUnlFcnczYzlYdG5mWnh1T1k1RFhrLXpndFd4WFRoMld1VFRaMFVucXUyQkJqYVhMRW52d09uZnR2UGlyemwyMXNtS09ORVJneDNxdkExUlV6OFU3dHhQQ2fSAaoBQVVfeXFMT1hBczN5MmFaOFdmTzhmNEJvZkpQQWRIdzVkWUVRaV9WQVdBSnVCQk9zTjN3Ymd0WGhySkNwRHVkbnlZelduNnNZYXVZZVBwTGhxb2ZUNlRiQlB4ZUF0MkVUZVZxaXJNalhWQmYwR3p4ZGF5N1BRd2Q0RmhJQ0k1NkZCNkhwcm1HaURrWU1LakZMUVdXVVZ4N0pfcGNfUC0yWkNxSFNob2M3NWc?oc=5) · WSAZ
- 2018-05-15 [Man who fell overboard found 3 hours later on Ohio River bank - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVHU0YzdFOUk1SXNYVFJWSVlmS1RZOFlUN0dPNnNNc2JqVEFpbmtpcjhCNWN4YWZjamhCOFAyaEZqcFVYckl6N2xPU1BCM2lnRy1PQi05S2p2WkcxZ2JUNXdENXdyeEZac2lnbjd6M1V3ZHVyTjJNRW1lSGt6bEc0ZHpTaHVEdncxaGZkNjVyWF96T1JXTjF6N3hKTkdkQnh6U2lmSFY3cU5lUUE?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34017 (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/33.json (key "34017", 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