# WESTERN RESERVE BANK
MEDINA, OH · FDIC certificate 34894 · asset band <$300M · latest filing 2012-09 · 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 | $184.4M | |
| Deposits | $163.8M | |
| Loans and leases | $139.8M | |
| Total equity | $18.4M | |
| Loans / deposits | 83.57% (p78 of band) | 69.20% |
| Liquid assets / assets | 21.75% (p19 of band) | |
| Uninsured deposits / deposits | 8.30% (p49 of band) | 8.50% |
| Brokered deposits | 8.95% | |
| Wholesale funding | 9.76% (p84 of band) | |
| FHLB advances / assets | 0.81% | |
| Tier 1 leverage | 9.56% (p39 of band) | 10.13% |
| Unrealized securities loss / equity | 3.77% (p50 of band) | 3.81% |
| AOCI / equity | 0.32% (p50 of band) | |
| ROA (annualized) | 0.51% (p32 of band) | 0.80% |
| Net interest margin | 3.71% (p46 of band) | 3.77% |
| Efficiency ratio | 76.59% (p59 of band) | |
| Noncurrent loans | 3.78% (p82 of band) | 1.27% |
| Net charge-offs (annualized) | 0.28% (p72 of band) | |
| Reserve coverage of noncurrent | 54.83% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 39.58% (p75 of band) | |
| Auto loans | $395,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **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 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | charge-offs p90 |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 1 |  | brokered >10% |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2012-06-21 [Western Reserve Bank CEO Ed McKeon is on his way to Margaritaville - Crain's Cleveland](https://news.google.com/rss/articles/CBMizwFBVV95cUxONWliN3EwTVhuZm9TaTMzQ2ZNU0JZeVREQl9uRDdsSjlRVTVEZmJTeDI4YjRPN1E2aFJoekJUdjVLaWpnZGo5QmtSM1BCY1RkYTF4cnB3NmxYY2NhaWU3YUtQZS1HZFQwLTMwUl9QWE9JbTFvalQzNGV0dW9iVUI5dWIzVUJvN1FLWGdTV3dtTzZQMFFpQTlYWU1KOUxackVjUm9BTzZ4TUdfYmtCdmFfeVN3MlFhdGFCREVwZG5mVVhENDAzQXdVOXlTalhsV2s?oc=5) · Crain's Cleveland
- 2016-01-27 [A look at Northeast Ohio banks that have disappeared the last few years - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRkp6NFMyYXFZekg3X2lGQzVLWkNYSzQtQjhyUC1LcXdEVVV2UXU4Q0dDc1h0VGgtUlNXTC02VHoxQTFHalBnb1h6MllGZTh5VkZJNzJOTFhRVWJDRmQtbkJxY081OWdUNHprOWdRdFA3RUlHdFh5aVZ3UGdKci1fMHFrTFA?oc=5) · Cleveland.com
- 2017-06-07 [All but one Cleveland-area bank now ranks high for financial strength - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdG9KRjRRSENqUEx3ZUZCMHNZdTlEVFduUGg5Q0wzUXptRllQbzROOVBBQ0NELVV0N1dYQ2ZHeDZYVjQzVlhzdmx6UXNRSExoRUlrWm9Ia0tCRVZ5bHpFbGRMN285d1pQRWFCdzRGdEE5ZXBTSWc0TUNXVW5vSk1YVG1venM?oc=5) · Cleveland.com
- 2024-12-13 [Lora Jane Pirko, Hubbard, Ohio - WKBN.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPU0c2RkZNVXJGdm5MSkR6VF9zVGE4NEVwczF4TXpRVnNwUWFMcmVPMmNkMEFCTEFaX1lraGI2UkhpVnhjWUFtVklCYkJuU1JpREwwOUZLMkM4V1pjWFVaNnc4TWdtaGZzX1I0dk5LY2V4UkF2WnctVlVVU3NEc25aQ0g0MDlZN0xLZmhXeGNISnpnZzNOSkRkT0dJRlFDQdIBowFBVV95cUxQRFhWb01qaE80YTdPX3doUmszM1M1ZjZXRzQ0LWJic1NrWk1hbkJ3eFJSMUhFSUdsTTJvRVQ0WEF1dlJYREVUeDE2bFdwdWRzVWt3VTJJNWNnSk9IWl82eXBpbWo4V0pXekxaYmUwMVdFejVNT3VPeThXdFV0U3hVRzdtT1lnckpDNE1VaUc2R1lrbktVZnpPV3FadGdYVVZYY3lB?oc=5) · WKBN.com
- 2016-10-05 [Dollar Bank makes second acquisition this year as industry tightens - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQZTJ2dlctWjlWNGRBZUNPbW1YUkgwb1c3SjlRM2N3bmRsc1NOQTBTV1Y1ajJtdWthSWVDcU1qUk5zRW5Cc1lJM0xJYkNlc2w3VDAwV29zX1UxQkNEbk5NcHZlVGtnbF9KcFdxTXJrdlhpY1I1djlpS011VF9tV3BCbml3LWY?oc=5) · Cleveland.com
- 2017-12-04 [Here's a look at which Cleveland-area banks are the strongest - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSTMyNVpnRkpXM0wtekV4N2s3YWM3UWg2dWUxbWVJcWxmOGxUOE5rdExQRDFJTFNyUWVBb3FnX2Z3bnAwUDJsSW9kZVdNYk1GSzVWN2RLSzJfdDNJcjFOeE92VGNHeUFhdkJkMV9Sa0pMU3lPZE1VS21DOHloX1dOOXNCNFo?oc=5) · Cleveland.com
- 2016-07-29 [Middlefield Bank buys Liberty Bank, marking 10th local deal in recent years - Cleveland.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNOU04Tnh3bXhWMDdSUndTSkhDRzhEdFJ0SjZ5UEtzNDZxQTZQX3dFTEFvRmw5NVVESTFkOXhNYTl0VGRSRVNpWmdDNVh1VDhNbWpXbWxYbFA2ZEtJcExPY1M4eEItS1RoaUxOcmxDMVZaX0dkMnlHZWlaWkswamIxWEdpZw?oc=5) · Cleveland.com
- 2013-02-19 [Park View Federal Savings Bank bought by First National Bank, near Youngstown - Cleveland.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPd0I5WTVPT2I3VmRuTXg0dnBTOVJvenNKRkRNc2tCaS1xMkU4RThQenBrZ2xsRkhjZXFkVFc2S2pHRGFwZjRDM0xUb1puel9CTkk4al94LUQxdDB4a0ZSTFpxU0FEdDBIQUwzQU1sclpReXc3Y19DQ045dGRUbXpEQUFNV1BtNlk?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34894 (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/14.json (key "34894", 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