# GUERNSEY BANK
WORTHINGTON, OH · FDIC certificate 57413 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $120.8M | |
| Deposits | $98.6M | |
| Loans and leases | $72.6M | |
| Total equity | $8.6M | |
| Loans / deposits | 72.51% (p54 of band) | 70.22% |
| Liquid assets / assets | 35.62% (p52 of band) | |
| Uninsured deposits / deposits | 6.29% (p19 of band) | 12.36% |
| Brokered deposits | 1.74% | |
| Wholesale funding | 10.02% (p84 of band) | |
| FHLB advances / assets | 8.28% | |
| Tier 1 leverage | 8.42% (p14 of band) | 10.41% |
| Unrealized securities loss / equity | 13.35% (p99 of band) | 0.24% |
| AOCI / equity | 0.91% (p42 of band) | |
| ROA (annualized) | -0.13% (p7 of band) | 0.79% |
| Net interest margin | 3.25% (p29 of band) | 3.62% |
| Efficiency ratio | 104.11% (p94 of band) | |
| Noncurrent loans | 1.74% (p70 of band) | 0.88% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | 91.15% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 9.89% (p41 of band) | |
| Auto loans | $7,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 | losing money, reserve under noncurrent |  |
| 2013-12 | 5 | capital falling |  |
| 2014-03 | 5 | expense ratio p90, uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2014-06 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2026-04-10 [Bank Aston appoints Chief Risk and Compliance Officer - channeleye.media](https://news.google.com/rss/articles/CBMihgFBVV95cUxQajZfVjNsZTJLQnlFbEpGTE92LVQ3T25fSDR6ZEw2VnRCUXBCbmZkNnA4MWJQVEx5RTZVSVB2Mmg0RUpxTi1FNUhxU0dfeXItTzJDZVlOOGNuY1JrMnRsSnN3d181aHZvX1BHRmFkcV9ocm1VMEZUQzF0eU1KaHJKcnZwMXJRQQ?oc=5) · channeleye.media
- 2023-12-15 [Rothschild & Co appoints new Head of Banking Services for Guernsey banking business - Rothschild & Co](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNQ09jYnlHb1JmS05TZ1UzTXlMeVVyejdPbEpnOVZvU2FoeTBOTTdsX1g2YmtCQnVJUXVIalotSlVaTHhEUHIyUmtpMFAxYVZ6XzF3OXpnRTlFNWhVcTI3OC04clRad3BJcG1meTFQR29MU0ZwVG5ZNG5BV3NwbjVuemc0LTdaTm9XbVpsYXRrdElXY2ZYN2hxU05QNjJmcTZqcXRETVRfQlFqNnBUQ0VHX25CU2dPYjNqNkpGSHFLLUF0TEVYaExMMHdYLXFlaU10dE5kRGRsQ1ZnZw?oc=5) · Rothschild &amp; Co
- 2025-04-02 [No portrait of the King on new Guernsey bank notes - BBC](https://news.google.com/rss/articles/CBMiWkFVX3lxTE81RXFobWVYX3lEZW02U09IVzViNDdWRWxJbVRsVy1GQTVzY3pmRDVjdWUyNDAwaDlnSTEwbk00RWRJUHQwbDRMdXN3YUZOS2NHNGRCWHFleTNRdw?oc=5) · BBC
- 2019-09-17 [Blockbuster Wyoming Discovery - Numismatic News](https://news.google.com/rss/articles/CBMifEFVX3lxTE1oeVduQ0RvZTVlb1dvdzJYUTc4ZVRtZDVzNnFGbnFyZGhMU09VZHBKRVBfbU9TSmdPYmdPakVMZHkwclRydFdTOVRIendWMjVYd1czVE9rMWROWG9PQUd3LXp0MVgzLTl0czU5N1lVWVB5STFZck9oMzJVaHM?oc=5) · Numismatic News
- 2014-05-01 [Guernsey Bank CEO Patrella shifting attention to real estate - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbWxMcEFDLVBYZ0ZjVzVVME5kOHp6U0tNMk83UGR4dW1GNmhrSml5ZXFDS2NUaVZBenFvX01qOUZtTkJ5YndNOFAzMW9mVDlXNnhlcGhiWk4zSUZXV1VrLWlSRkZaSFFkdzNjWDFVV2F4MkJsckFGMUt4T3B6RUUwYjhhZW51N1hEd25WT1R3SGdFSWlvTVBJSUg1S3NMeG0zbnc?oc=5) · The Business Journals
- 2021-03-02 [Small town goodness in the hearts of those who serve - Guernsey Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcTR0WmUzVWRoTXpybmpIS1laempLU2NQZWh5ODdVV2lQam1QX0s3cWF6aVRDeGlPcEZIMEhnc05ISlA4Nm5NOEdDczlodWh4dTl2YWF4bGRMQnpLSzl3MVgwR0JBY1dZZWpkaF9DMTNOWGkzRFF3anlHQTI3V0dOclJKRjJvamVrd0VvbTcwUmRITjBERkZFUnpsVVJ4Szg?oc=5) · Guernsey Gazette
- 2025-08-20 [Bank Aston appoints first Non-Executive Directors - Bailiwick Express](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUVJtMzczaHQtSGtTRDBQbllsb3B4TnFTMDhrXzQ3WEc2ekRMX0VsbnYzOTZJR3FTbEtKSjFjSEpCZjV5ZEJLMUd0N0V5MG9LNFNMV2p5RnVLMkNiMzBWZUEwMXpDQ1lsMDdwM3pmY1FsSkhVenJ6WFpFT3F6V2phNTVvOXVjcU44N1Y4Rmh3cy1VanFBQmRNSkNmSQ?oc=5) · Bailiwick Express
- 2025-08-14 [New Guernsey bank, Bank Aston, appoints first two Non-Executive Directors - channeleye.media](https://news.google.com/rss/articles/CBMingFBVV95cUxNUWVsMDJBX2dmZ043ZU53aThoLUpEaV9VYm1rVHZ2X2xraDEyRVFEaklNWUhISHJtUFk4ZzdOMzZZMmVrd01vY0VvYWQzUmstT3dWYTJvOVVTMUlBUTc2a2lVVGlWRkFzVlppQ0tpdGh2TTBMUHlFVnR4bjZrc2ctbEs5dzBqaXBUWXdsYm1DcmlOa3BXc0RCVXBSZ0tZUQ?oc=5) · channeleye.media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57413 (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/5.json (key "57413", 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