# LAKE NATIONAL BANK
MENTOR, OH · FDIC certificate 57879 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $156.6M | |
| Deposits | $139.7M | |
| Loans and leases | $124.6M | |
| Total equity | $14.4M | |
| Loans / deposits | 87.59% (p74 of band) | 74.58% |
| Liquid assets / assets | 16.21% (p16 of band) | |
| Uninsured deposits / deposits | 18.90% (p70 of band) | 14.02% |
| Brokered deposits | 9.55% | |
| Wholesale funding | 10.83% (p84 of band) | |
| FHLB advances / assets | 1.28% | |
| Tier 1 leverage | 9.01% (p18 of band) | 10.79% |
| Unrealized securities loss / equity | 0.01% (p11 of band) | 2.02% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | 0.53% (p27 of band) | 0.86% |
| Net interest margin | 3.95% (p68 of band) | 3.65% |
| Efficiency ratio | 68.44% (p41 of band) | |
| Noncurrent loans | 1.74% (p78 of band) | 0.67% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 101.98% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 81.87% (p92 of band) | |
| Auto loans | $47,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | charge-offs p90 | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | deposits shrinking | reserve under noncurrent |
| 2015-06 | 3 | capital falling, reserve under noncurrent | deposits shrinking |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | brokered >10%, uninsured deposits leaving | charge-offs p90, capital falling |
| 2016-06 | 0 |  | reserve under noncurrent, brokered >10%, uninsured deposits leaving |

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

- 2026-02-04 [Poole joins Cayuga Lake National Bank - Tompkins Weekly](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSE1aMWdVQk5XVzdUNnFSS3FJZXJaQXVsYmh6SjNwNjFQdnJTdHVxc2FTdnlKWjJWMkdyZFdzd3ZLREF3UFdqWEh6MWExN3MwdTQzbnVrZ29WSVpURzd3R0lzZlBtT0NuQzMzeXFGRFlpWEVlTjNtbndRemRfQ1FhSldHVFhfWi1ZR1QtR1NnQQ?oc=5) · Tompkins Weekly
- 2026-05-01 [BEE YOU awards honor student leaders across local schools - Tompkins Weekly](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOWGpSZlJDMDk0M3g5VXNZcS1mR1FZZTdWSlduX2NZZXVpVFJRY0t5ZjlnaC1TRDZ0TnpFTFFCUmpBalM1TE80bWhTc1Y0dHY5b01KMUNJRlpnUWl0NHBFallvZWhubTltaFBSd1FXRy0xaGFGb0QtRGRYbW5MMTZUV0NkYzVGaDZ3SEVhTG96STA1cXo5ZXBRMm1YVmVmcXBnSFI2VENpWkdTdlE?oc=5) · Tompkins Weekly
- 2021-07-08 [Lansing native to lead new bank branch in hometown - Ithaca Times](https://news.google.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?oc=5) · Ithaca Times
- 2020-11-12 [Longtime members Finch, Martens depart Cayuga Lake National Bank board - auburnpub.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVnNfRXI2dmQ3dUxqRFdOSmhFaElVMlJlTS1JOUFlc0U2aDMtdnppaDdtM1lEMUpnODlRdmQyaVpLcDJNREtTUzFwd3hPTnJTSDNNU05TLXFlbkdnSWhxTjZkWGZMVkFzX19FeExka2ZrczB6WU0tQ2J6cVFkQnMyaUVGLXpUUGh6Z1NFOEk1a1dMRzFNRFE?oc=5) · auburnpub.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
- 2015-08-10 [Woman sought for alleged role in Lake National Bank robbery - WKYC](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQemlYZ05EaWc4VVlfMkZLOGJ4cENRZWVfVnN3bE5BUU0ta1lDT3JBbEVSX1NNUzE0enNkYnBCM2lOakF2ZVNZa0l6WE5vZWlLaWE2U2Y0YlFUcmVWTG5uWDhHSEJwa19sdXlXb2JQcHh4WnVYeHYzNFB1cmNGZURsdTNkYm45Z1NXcFhjQ3dYZHFYZTI2TEpaQXl3R2MySWNhRE9WdmU5N21yLTFXNGlEV1NHMGtTaFZjTUVMQmtZVVZzZw?oc=5) · WKYC
- 2023-04-20 [G. William Ryan Obituary (2018) - Auburn, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQV1hXS24xcEFyYk5NbHlsaGRFUlROaWNnVW1XSzAtUUhVUDhnMDVlUi15TmNPWFhnZW84bDRySjFSS25zM2dKXy1zeTlPanpHeDhMdGJyeFR4LVkzSXV6bEZJV0ZGS2dzZjVsQmotOTVqajdnLTREZWtKeUtla1V6VUhhb0hURDNhWWt5TDZCelNlV1V4?oc=5) · Syracuse.com
- 2025-03-05 [Late New Orleans Saints owner’s heirs strike deal to sell San Antonio bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPcVVLRW5HM3ZBWXFSdGR1d2owN0xCSU1WU1pUODItblkzc1VZOTA1TUZ5eklqdE9tdHJSZWduY0d5N2trTlNyVmo2RjBUMHhOYmx5N1hXUjdmMl8xaEo4cms3WVItNmpRY0huemhWRHR0LXpRTklTMEItTlgwaW5Kcm1LN1NCN19LeHZBelRGLUlpa3lZQVZCSGtRaUk?oc=5) · San Antonio Express-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57879 (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 "57879", 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