# OHIO HERITAGE BANK
COSHOCTON, OH · FDIC certificate 34071 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $247.4M | |
| Deposits | $179.2M | |
| Loans and leases | $181.6M | |
| Total equity | $25.7M | |
| Loans / deposits | 99.71% (p93 of band) | 70.22% |
| Liquid assets / assets | 20.09% (p18 of band) | |
| Uninsured deposits / deposits | 12.06% (p49 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 16.28% (p94 of band) | |
| FHLB advances / assets | 16.28% | |
| Tier 1 leverage | 10.41% (p50 of band) | 10.41% |
| Unrealized securities loss / equity | -1.78% (p18 of band) | 0.24% |
| AOCI / equity | 1.28% (p48 of band) | |
| ROA (annualized) | 0.57% (p35 of band) | 0.79% |
| Net interest margin | 2.93% (p16 of band) | 3.62% |
| Efficiency ratio | 73.74% (p49 of band) | |
| Noncurrent loans | 0.79% (p47 of band) | 0.88% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 204.81% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 15.73% (p51 of band) | |
| Auto loans | $9.8M (5.42% of loans; DQ 1.16%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 1 |  | loans exceed deposits |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |

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

- 2014-08-25 [Peoples, Ohio Heritage banks complete merger - Coshocton Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUzRyMTI5UWtKT2JBMDBqY1FCTGZRbVRWS3ExN1VNcWQ4MVlIdEI0MFFJMWp4TFBoend2ZERtZmJ5MlgzOGZaQWNQQnlHSkFRTUJhRGJnWGlMOGRvNzliMjZHczItY1hncVNwQ3pfeDhtR08ya05ESXlQWDJBdlItcG9vWjl3U3pZU3cyTC1OTWFHdlRZN3QxdGpZdEd6aVFiNlNBLWZGQ0VXMHEtZ0ozVDZORDM?oc=5) · Coshocton Tribune
- 2023-06-01 [Kiss adds Cincinnati show on their final tour - WLWT](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdkZLQXNkb25tdlZsbVRLaGxmdDJXUEdlaUVJSVhGU20xRGhIVUxwRzJwWTJWaVNFV1NxblRMMC1ZZ29RQnIycHJ6ZkhYN2c4MzlPSzF3RmRkU2Q1dEhBblNhYU93YlBmUndnUV9kVG80NUpwMWd6RGkzNGxvRU1ueHNBTGpQX0lvRkRiZ1BLQjVtWG1mUEE?oc=5) · WLWT
- 2022-12-14 [Adam Sandler is coming to Cincinnati. Here's how you can see him - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMivwFBVV95cUxOSEU2QUF2MGlWYnluX25JOVZnSU41SU05eXNNVVg4TndXMkJrNVp1YUNjdWtXN0ItcEljNTYtQ1c3LXNDSDVTdGU3ZmZXai1jQ3NHeWVqMHZwSUxOVFRTM09CTUkwbS04LTVnVnIyRlZfeWFxYUZXb2JWbXphN1NHU1JuTEJJNFdnay1lSFJuenZhUEs1emZVLVRSUHJfYWNqOWpZcHBjNVFoZWhiaHJJYV9yQjJjNkFyd01vc3ZJbw?oc=5) · Cincinnati Enquirer
- 2009-07-06 [Tina Marie Householder Obituary Jul 6, 2009 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMibkFVX3lxTE10dU5tbURQV1kwaUQ5NXJ1bXJfd3ctbmFKNFZFUDBiNC0zTm53QUY0ZTIzNV9RZ1hPRmVZQ29SVm83enUxVVU2NldJVmhwQXVYOXZScHh4bGxQTnU1SGsyNk5raHlEdnJDMVlWRjV3?oc=5) · Geib Funeral Homes and Crematories
- 2012-06-18 [Jimbuck Thornsley Obituary Jun 18, 2012 - Miller Funeral Home and Crematory](https://news.google.com/rss/articles/CBMic0FVX3lxTE5LYk9RQTA2UVNBTGotekJoUnp4MDExVHZRVXVhU0xYZElaSEN6TnM4bGVWVWlmcHJaQ1ZGUUg4WEtiUjduWC1Vc1RNNHZkbm8yT2tZR3RrR2o5RWJ2VXpxV01HU3c4cEZQVzRGQWdiZHJmalE?oc=5) · Miller Funeral Home and Crematory
- 2020-02-17 [WWE Blocking AEW From Running Cincinnati Arena? - WhatCulture.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE40RjFab1hlYUZwS3Fzc0tMaFpOcDZiVEVMTWJIbVE5YWNncWhBb2VLRnhQVnFxNVZGR25sYUgyQXhKcHhhWDY1LUQ3dDlxSElyNm9NNEtkbzlMT2IyM0ZWcEdhTWRYMTVKcWNMZG9Uc3Brc3FPcWthUVdqWVAxcWc?oc=5) · WhatCulture.com
- 2026-08-31 [Rush Add 4 New Dates to 2026 ‘Fifty Something’ Tour - Loudwire](https://news.google.com/rss/articles/CBMickFVX3lxTFBVdlo4MGRTSlcwWkcyQ3QyeG1kVjIyYXJPNjFaZnpkUHVHeEdNQkc0ZmJRMDYtc1VCZFpJTkl6NmdsV0FvZGtCcVV1eUIzV2labWdfR2VMX1JZUjFqLVRIaFFYSENKTmg2LXZrWjF6M1ZZQQ?oc=5) · Loudwire
- 2014-03-03 [Three plead not guilty to bank robbery charges - The Coloradoan](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbF9Id1E5dXlRcXlXb1h6QWg4b0dOMFJpMkRUMWx1VmZDUnJ6TlhCa2JJNnlxNDBzdHFxZ3Q5ODloRlcwNk1MRVhFV19YeWFCcGNhc19YZkFXWG9zTGRYUmo4SHA4Yi02RmVaSFFkbTJOanpXWkd2djcxZ1M3UG5qbEp5aEp6aWVsYU1kYTh2d3l5a05RMlRoZkJoNXdXblBQVFByR1R5TQ?oc=5) · The Coloradoan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34071 (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/23.json (key "34071", 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