# FIRST BEXLEY BANK
BEXLEY, OH · FDIC certificate 58022 · asset band $300M-1B · latest filing 2014-06 · 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 | $330.4M | |
| Deposits | $262.9M | |
| Loans and leases | $313.6M | |
| Total equity | $24.9M | |
| Loans / deposits | 118.07% (p98 of band) | 79.05% |
| Liquid assets / assets | 4.60% (p1 of band) | |
| Uninsured deposits / deposits | 23.46% (p68 of band) | 18.17% |
| Brokered deposits | 7.86% | |
| Wholesale funding | 19.97% (p92 of band) | |
| FHLB advances / assets | 12.11% | |
| Tier 1 leverage | 7.75% (p6 of band) | 10.01% |
| Unrealized securities loss / equity | -0.12% (p32 of band) | 0.54% |
| AOCI / equity | 0.17% (p16 of band) | |
| ROA (annualized) | 0.89% (p53 of band) | 0.86% |
| Net interest margin | 4.03% (p76 of band) | 3.60% |
| Efficiency ratio | 68.80% (p47 of band) | |
| Noncurrent loans | 0.26% (p15 of band) | 1.03% |
| Net charge-offs (annualized) | 0.15% (p73 of band) | |
| Reserve coverage of noncurrent | 396.39% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 127.84% (p96 of band) | |
| Auto loans | $283,000 (0.09% of loans; DQ 4.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 2 | liquid assets <10% | reserve under noncurrent, charge-offs p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | liquid assets <10% |
| 2013-06 | 2 | liquid assets <10% |  |
| 2013-09 | 1 | construction >100% equity | capital falling, liquid assets <10% |
| 2013-12 | 0 |  | construction >100% equity |
| 2014-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-06 | 4 | wholesale funding >15%, construction >100% equity |  |

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

- 2025-12-29 [CEO of the Year 2025 Winner Ilaria Rawlins Empowers Women at Fortuna Bank - Columbus CEO](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOYmphX3pYeS1wdHNET3ZyckRWV1k4al9ZX1BCUlJNckJEa01Yakk0SmZnSG5TbF9ERl9KWU9QSEhkc0ZRSjY3Nmp0UERwbzVFZDFvOFhpZEhBVzRVbTE3Q0o5dXZTM2NLZ0xOLWtpLVZPcXZwYVNoZE15NG5TbEdsQkR4WWRKTVhXVDJrbUhUa0FlVWZGVURMTUlTQ0RSU2VFRlJQUzBSLThxWnRrT2lFSTFyUWdPUXVVNFc5cEQ2RGJYc0RPYnVteGF3UGhGMGk1Q05BVFIwS3JVdVZQcFE?oc=5) · Columbus CEO
- 2025-09-18 [Whole Health Matters: Fortuna Bank CEO Ilaria Rawlins on banking and 'quieting the noise' - Columbus Business First - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOemxJdUZ3bFNiQUViQlN0b1VvQ2tOTTVEeUlqM3RiakRIRHF3YUx4YXZOUXQ3NW1vZXUzd1NvZlFGWHdMNWVVLWNxVFZzQU9QZnNTRmpwUExjVGMteHlubWtYeTgycXItUFFIbHZrQXJZaV85OVVyUmJPSTlrazZfTy1HMW1LaDBYMHJYMHBzNEU1eFExb1czUg?oc=5) · The Business Journals
- 2025-01-24 [Ohio’s first women-owned, led bank prepares for grand opening - Columbus Jewish News](https://news.google.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?oc=5) · Columbus Jewish News
- 2019-04-18 [New bank to start in Bexley - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdm51aHBvUmdWY0hqNmExSC1WNk9oUFV6dldzVkpjZmtBNDFOYjJXRmhXUENtdFpDdTVWZTQycWZTYzlhYzlyZlhjMnRGRnpydV8zcC1Id2tGMWlpa2JjdWRZNzctUHdRS1pYemVBMG5jUFVRaHRZYWRpYnRBMF9xaEtPTl9TNERHR1NJ?oc=5) · The Columbus Dispatch
- 2024-10-09 [Fortuna Bank: A Columbus Bank By Women, For Women—and Everyone - Columbus Monthly](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQbGZ2M3VJb3NpblFPdWZTVFF0OEE1R1JkTlJGRFBPU2tfOW9GRVlnRlJhSmR1cVdfcnBVd1lkeFNPa0VUcGZDWnBHSnMwNXpFc3RkSTNSY1lYRGl5WG91ZVVLSUxybHFfeXFDS1RBRnlrcVpJMmxwS2RNZ1pVU0dYdVJwaHROMExUTnRuWnRGTzJSdVkzQWdSYW9sbmFSdmtJS1RtbnV0NFp4OFZhSnM4LXdCdUR1QmRnb0lSUzVteTQwYjVIOEEtdTA4SWRjT1hOV0k1dVNR?oc=5) · Columbus Monthly
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2023-05-08 [CEO of proposed women-owned bank gained confidence for role at former Bexley bank - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxNS3U2XzBJYlR6NzlqdXNILWZ3ZmNLNlJxN0RkYUpPMkQ5QzFJQlNJOTkyMEJxcUMtbnVCYVBwRzdzNVJlY0Q4akoyQ2FoVlFvSGVNZ2s2VVVnS00tODlfanBJRVUxVGIxc2R2WWYyTHJtQmVPMmVuVlRHU3FpR2htcEFncU9RWTZSQ09BQXR1ZEtPTjdXdV9iYg?oc=5) · The Business Journals
- 2014-08-06 [Local bank gobbled in merger; more to come? - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRjNsU0Frdm9jVy14ZXlWNmFtNkluOVlpdDNUdDkyUmZBX01Eb29JSGduTjF2aUVhUFpYbGd6RW8td0phUkl5SGFCRVhDTklOQktxRnY3N21JcnJzM05TTzJwbzFCaThFaDF5TklPY2h4UHFuWVhsUnZGREFHN1g2MXV5SzloU2JwR3lrZ3RUb1JQS3B3?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58022 (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/38.json (key "58022", 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