# EMERALD BANK
DUBLIN, OH · FDIC certificate 57550 · asset band <$300M · latest filing 2013-12 · 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 | $83.5M | |
| Deposits | $70.0M | |
| Loans and leases | $65.2M | |
| Total equity | $11.3M | |
| Loans / deposits | 89.97% (p86 of band) | 69.26% |
| Liquid assets / assets | 17.45% (p13 of band) | |
| Uninsured deposits / deposits | 5.96% (p18 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.29% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.92% (p60 of band) | 10.29% |
| Unrealized securities loss / equity | -6.10% (p21 of band) | -1.01% |
| AOCI / equity | -5.73% (p35 of band) | |
| ROA (annualized) | 0.75% (p50 of band) | 0.76% |
| Net interest margin | 4.47% (p88 of band) | 3.63% |
| Efficiency ratio | 68.94% (p36 of band) | |
| Noncurrent loans | 6.52% (p96 of band) | 0.94% |
| Net charge-offs (annualized) | 0.31% (p82 of band) | |
| Reserve coverage of noncurrent | 50.67% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 36.93% (p72 of band) | |
| Auto loans | $94,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | charge-offs p90 |  |
| 2012-03 | 2 |  | losing money, charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 1 |  | assets shrinking |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 3 | capital falling |  |

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

- 2021-09-16 [Middlefield Bank Celebrates 120 Years in Business - Geauga County Maple Leaf](https://news.google.com/rss/articles/CBMikAFBVV95cUxPaWtaeGl5U01vcHgzVmlkT2RIakRPaXNtLTUyb19xdHVoMUx1T29XbjhoZUNFMmt0X2RRXzZNSDJ1ZVZZRWhVdEtOa2NiaHAzWkpqenlRVnR4cFVNVGRfQnJ6UF9BcUlJZmRYWWdmVGF3d3NDclNGVEVyWDRoS2s0R0pFN19rZDNhMEI5cmNmZGQ?oc=5) · Geauga County Maple Leaf
- 2013-02-26 [Emerald Bank: Iraqi People Must Regain their Trust in Banks - MarcoPolis](https://news.google.com/rss/articles/CBMijgFBVV95cUxPblB3ZTdNc2kwRXhSSC1DamYxVWxncDRvZHU3c2c0ZHJBazJBczhpOERPYzJIdnY1QnNKUnhpTXFwSTFfYnd4SW5KNnl0WjJQbEJRZEF3eFpUQXk0dEZXQUFLNnhBSFlSdHpxLUUtLW9QNTh3NWhVMmhuRkRObFZqSERSZkgzWk5VZW1ZY3dB?oc=5) · MarcoPolis
- 2025-07-29 [Canada’s First Offshore Wind Energy Areas Designated - news.novascotia.ca](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcG01MS10cmk1NWY0c0pQM0V5YmFQT3VSNXRVMU10X1RNRHpITzZmQWVCUlJWR21tdGZSNkVsVHltUFlCRzB1ZzlWMWJobWpSUHdyR2NUOGlHT2hMTEJHZnlmRDhqbFpRYlhzbTRpOWJGNDZiampKU192UGQ5SXZDbVVmRTZXZkJ2UjZidFdaVEZUYWE1Uk5V?oc=5) · news.novascotia.ca
- 2025-08-06 [‘It blows a lot’: Premier Tim Houston announces offshore wind areas - Halifax Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxNX1pJcWJYMjlvbGZ0V3ByaUlrci05TVN6dWJYY2JJZlNBamdCaV8xeXhuVXZ2X1llUDNNYVJaVGdXMmhCN1FYc3VULXQ3ZFZrZjBHVk13V0tnSFNUOE5DMGJfMkpHWEdHbWVlMEtTQldCMWQzNVZ6MXp3akJ6U3JQVmFDQWRLNGVvNUtjT0RibzF3ZGJQeVd4NzZtemVReTVkbWtUeXRHU1E5NGtkYlhtdWx4ZDdWLVR2UzB3ajE3TQ?oc=5) · Halifax Examiner
- 2024-01-17 [Day Tripping: Plenty to do in Shepparton - Dairy News Australia](https://news.google.com/rss/articles/CBMilAFBVV95cUxPUWhXYmlpU0dWSzlnTW9WTGtQcHBSRHJ3MkkzOWFCR0VNMHQ5ci1pRzItbTdRRi1zLUlUX2lxd3piTTNwMEpyamRwQ0ZZQTctZXBVMy1EaExQNTBkeGZvSWowdFh6Ynd6WlRINWRudS1POWdmTTBQWXZKNjR0OXRKR20tdWFQNlF5dGdRaTI5b084SGx1?oc=5) · Dairy News Australia
- 2012-12-18 [Banks in Iraq | List of Top Banks in Iraq and Kurdistan - MarcoPolis](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRngzRF9hcEJsV2JCN2VQQlJOUUxCUjJ0RVhtUTJuWDQ3LXZ3a2pCWDJIbzhDOVQ0X1V6WDJaT3JrYUdxYkFKV1dVajRuejBjYmlWaXhCWFdTS2VydHROejRVb1ZXb0dtSUc1YjBOQkIwY3gwZ0VGdmIzdklPYkduRU11RjVsTjJHdGVHN1lrdkRKeVFCVTlr?oc=5) · MarcoPolis
- 2018-10-11 [Get your tickets for Business Awards Gala Dinner - The Shepparton Adviser](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNVDh3b2hUbkdNLV9FcVF2enpfaWhVRDBRWG1yaG5WWTMwREdONGxqSnUxUnRoM1Z3S1JqSGFpcG82TzJoUTJya1BXUDVfZ0NEZXdDUkRtWVd0Ml8zb1hNYXhvOUg2Y0tFMGVlcWVDaDdidkV0Z2xpenYzTFd0R3FuU2lLNmJnMEVP?oc=5) · The Shepparton Adviser
- 2025-06-24 [How Shepparton could join ‘Big Things’ list - Herald Sun](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPakFjSElYTWpDXzFmXzdCUi1qNUlsbGczNlZoaGNfU2hoLXE0cHJKR1pWSEhZV1FnSWY4bHBQVGhXdHlreVFoSUZENkQ1aHBhekdQTTEyd1Z2cm1YRmpRZjhuT3RkMF9zZDY1dDRkS0s1WktOdklCUnU1YU5xbHFadzFiUm1odXlFOTl3TXRldExPbExpZkc4LUYxejNpQ29OLTh4cm5rSEtqSWYwNUxnSGFySlBTYW1XMTZabUk2eC1rRmQwV0VFaUdHaERHVlZBQmR2V2taYUdGS1dfVkpHalZxNkxyemFVbUxaUzdnMzB5SmdQ?oc=5) · Herald Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57550 (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 "57550", 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