# BENCHMARK BANK
GAHANNA, OH · FDIC certificate 57949 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $124.4M | |
| Deposits | $98.6M | |
| Loans and leases | $105.7M | |
| Total equity | $17.2M | |
| Loans / deposits | 106.08% (p95 of band) | 75.51% |
| Liquid assets / assets | 9.95% (p6 of band) | |
| Uninsured deposits / deposits | 14.57% (p49 of band) | 14.70% |
| Brokered deposits | 6.48% | |
| Wholesale funding | 12.91% (p88 of band) | |
| FHLB advances / assets | 6.43% | |
| Tier 1 leverage | 11.90% (p64 of band) | 10.91% |
| Unrealized securities loss / equity | -0.19% (p30 of band) | 0.10% |
| AOCI / equity | 0.05% (p22 of band) | |
| ROA (annualized) | 0.59% (p30 of band) | 0.87% |
| Net interest margin | 4.54% (p90 of band) | 3.67% |
| Efficiency ratio | 90.75% (p90 of band) | |
| Noncurrent loans | 0.33% (p38 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 311.75% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 67.11% (p87 of band) | |
| Auto loans | $4,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | charge-offs p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 7 | losing money |  |
| 2012-09 | 8 | leverage <7%, capital falling, construction >100% equity | deposits shrinking, assets shrinking |
| 2012-12 | 8 |  |  |
| 2013-03 | 4 |  | expense ratio p90, charge-offs p90, losing money, capital falling |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | construction >100% equity |
| 2013-12 | 3 | expense ratio p90 | leverage <7% |
| 2014-03 | 4 | losing money |  |
| 2014-06 | 5 | uninsured deposits leaving |  |
| 2014-09 | 4 |  | uninsured deposits leaving |
| 2014-12 | 5 | charge-offs p90 |  |
| 2015-03 | 3 |  | noncurrent p90, charge-offs p90 |
| 2015-06 | 1 |  | expense ratio p90, losing money |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 3 | loans exceed deposits, construction >100% equity | reserve under noncurrent, assets shrinking |
| 2016-09 | 0 |  | deposits shrinking, loans exceed deposits, construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 3 | liquid assets <10%, deposits shrinking |  |

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

- 2026-05-05 [Benchmark named Business of the Year - The Farmville Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTE9Ybjc0dlBKdmphUUs1bkEzeXVreXlKeGZqeU5odnZVaUUyWktqU01xRFpRdmxnU1N4Nk1fWVlXa2VXWkpKdERub0hYZ0pwWmpJOHU2eTFMMHBrb2NEY0d2QmpyZXc5MkZsemVuTlMteDZPMTlaZUFfd1FMM2Mtdw?oc=5) · The Farmville Herald
- 2026-02-05 [Bank of England holds rates after narrow 5-4 vote, signals reduction ahead - Reuters](https://news.google.com/rss/articles/CBMitgFBVV95cUxOTW00U1VwSlF0S0x2RlBuVk5XeTVtVl9UNnBtS3dUSGhOSTRlODhGRWZPb2tHQnVUZEpzbE41ZDM2b2VoU3BERjJfVWtFNFhYVElrRlVCSmpQeWZzaHlYekQzNXIyRC16anN5NGt1cFBwd3d1cFBCMWJyQ2NFOS1GYmJHWl9wdHlNbmwxX2dpMkV5UU51SVBiakM4bWtuamhWSFcwdk9EMk5wdml3VGNSU2p0eHdPdw?oc=5) · Reuters
- 2026-04-30 [Bank of England holds rates, warns of inflation threat from Iran war - Reuters](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZERHWUItUGZQcUxWTHhqT2RNLURoUUhhdXNYUzhMQWZWY09yQ1hhSTZJOUpKRWxJcU05aXlYQWRDWHMzbDZ4ZWJBbVpJTXI1dDAxY3FxMmZ4a1FNSlYzajlQMk1Wc0hLbF9yalh0S0dCM2xoRklMamk3ZEdrZFE1T1RDajNaYktCYlRaVEhlR0FrdFVBSjNGYS1pUEFyZ1lJSGZF?oc=5) · Reuters
- 2026-04-30 [Bank of England Governor Bailey discusses interest rate outlook after the expected status quo - FXStreet](https://news.google.com/rss/articles/CBMitwFBVV95cUxQMi1YUWl2UUpxQ1ROZW1tRU5SWlhIQWxkNFpBbkllclNiZWNPWFlyTmRFRE5sTUhqQjRCY0R3OTg2SzVFTTlZVUhQU2NjV3lxZlgtREluRUFickl3M1JRcUVhUHNJTVljZ0JOZG9NeUh0RXJlOUpSS3VJalpjMmR2UTZ3QmxBRFF0WDhlcW9ZcWlWLU1ONnNDeVZnbnFWWHU3QTdmbHVyUVM5TEJiWGFLaE96U3VhZkE?oc=5) · FXStreet
- 2020-09-23 [Why Do Banks Need a Credit Sensitive Lending Benchmark? - bpi.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE9BV1Fya0RDTktGdTVfSzNiN0s2a0hsRWF6VUpHR0RucFRTRE5UWUk1bnZrMjJPY0ZNX2pjVF90ck9rb1I4RzhNX3Rma290MmJQYml6R0JxMk40U1NDYi1lMmx4UGhYQl9ZM2llT01iSDVVNGNYQVRiNXc1NA?oc=5) · bpi.com
- 2023-11-28 [Best Banks to Work For 2023 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWmFXQ2d3bmkyWlhZZkZaOXVfM1pnZ2dUX2RISmVjbllTbWx6eXcyZjhjRVRuUF91Z1dvSW9XMTlkSGd5R0pIS2RJZF94cVJrRmxmc0Y5dUdTX1VDaVlRMFRhSFZLMGFEbVpOcDVZdFpjcVR0R2kwR3g0TXRYV2h0N2U1VkRvcnZKWUxaNlRLLTVkS0NScHc?oc=5) · American Banker
- 2025-09-18 [Bank of England holds rates steady, with a further 2025 cut hanging in the balance - CNBC](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQ0h4TUhHakVYWlRFNlBNMnd6Y0NuS0RlZC1lQW1lZkdVOHJCWUVVeFdLcU1zVlZRZHdaVE9Na0Z3TFdYcjZUWVBXREFWMG9zRFd1Q1hsWk5LWEt5bTJIc0t0c0lWTGxCcVpONnI4T0xvQnlNVlQtOE13b0poYzBQbm5vbzhvb1BVN0RNajdFRldGMXNrT09sNmluRlBuazdXbExhYTN0UVPSAa4BQVVfeXFMTVhYU0tZWXphaUxmNEpieFpTdG5ab2lUVzhkSG5UWDl5T0V0RGowZkp5UHBtdW5weWxwanBiX2V0VVB2YS1maDRhRXR4SkFteFVBd0RZTkdnbjY3UGxYbzdXakJ3WUhCdUIxaU5oVjRFQlA3bHJJUWZUQ0NuTnk3VlAtOU9qeUxUMXBjZDhRdGM1NzJQNk93cWx1R0E3NTh3M0x0LXl1WlVLVGxkTDRB?oc=5) · CNBC
- 2023-05-11 [DFW Bank Snapshot: Take a closer look at Benchmark Bank - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMWdocm14R0RBd0o5MnBYSllBUE44VDZnY0hLWDR1NDhzaGlqamxWX3J5WGlmRkhtLXZHNno3VVZHTm8wQ185ZjVSZnBqdlFIOXdOQ0k3VWUtRGc4WlZ1emZVcndabURnYlNFSml6UWxQS0Q5ajNPZGZLbGUtM1ZEZFo5YWcxZjNpUFlCRkVlQkkzQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57949 (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/29.json (key "57949", 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