# COOPER STATE BANK
DUBLIN, OH · FDIC certificate 58041 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $134.6M | |
| Deposits | $105.1M | |
| Loans and leases | $113.6M | |
| Total equity | $9.9M | |
| Loans / deposits | 106.90% (p97 of band) | 70.43% |
| Liquid assets / assets | 7.35% (p2 of band) | |
| Uninsured deposits / deposits | 4.65% (p11 of band) | 13.33% |
| Brokered deposits | 0.37% | |
| Wholesale funding | 14.27% (p92 of band) | |
| FHLB advances / assets | 13.90% | |
| Tier 1 leverage | 7.35% (p4 of band) | 10.49% |
| Unrealized securities loss / equity | 0.00% (p16 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | -0.06% (p7 of band) | 0.80% |
| Net interest margin | 3.82% (p65 of band) | 3.57% |
| Efficiency ratio | 98.95% (p92 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.77% |
| Net charge-offs (annualized) | 0.11% (p83 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 62.43% (p87 of band) | |
| Auto loans | $16,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.3% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 4 | loans exceed deposits |  |
| 2012-09 | 5 | liquid assets <10% |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | losing money, expense ratio p90 |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | wholesale funding >15% |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 6 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2014-06 | 5 |  | uninsured deposits leaving |
| 2014-09 | 4 |  | expense ratio p90 |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 | losing money, expense ratio p90 | wholesale funding >15%, capital falling |

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

- 2015-01-07 [Cooper State Bank sold to parent of Commerce National - The Columbus Dispatch](https://news.google.com/rss/articles/CBMikwFBVV95cUxPU2d2aFlXUjE1SXE5bGRUQnRzTTZBQWRhRlJvczIxQkFnMDM4Y2FEODlncG9ZVnRmVklpb0N4N1d1RElReEVzcEpkT2FkakJ3a05xenhCcXV0UWl5U1loeGpXSXVkZm40QTRDQkxVVXZ5ZVd1bXRsUWZZX0VlVHgtWVM3QTBySHczU1F4elBSTmRMODg?oc=5) · The Columbus Dispatch
- 2015-04-29 [FBI Reward for Bank Robbery Suspect the Buckeye Bandit Increased to $10,000 - fbi.gov](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOVWtldnZSOHJFMmtvbHlIRzN6TXBXR1RNTlJicnVZeGEyUWdCOUhWVTFmTTRNdlpXS1pSUVdYQzJHSmxKM2tlOS1aLUZ5MkVkODFfMGhsWHNRMzZ4R3Jmb1dtSzQzZndYNFQtVG96eUpoWXZHSWNoVmRoY3A5c2NFZzFIUmFHUWVrSDFvM3hRblVkZm92MnE0MVpoSENYX2lHWGNuNENDWlNEb0RxNU1pOU9GWXJ3N0puZHpzUVVseUVoSnpoREFiVElCejh6VzR6TVllMXgyZVl3Y2pTZGZHZTV6R00?oc=5) · fbi.gov
- 2017-01-25 [Arlington Bank CEO leaving after merger, other personnel decisions pending - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQcDF1TnEwcUJocHFuNmsxTHNaRURsTVVRNUF2Q1JsRnpNOW02ZFJ2SW5zR2hibzhlalc4MG5SYndvdFFEV1FGZDJSdnE3dzgzaV9xRllKSFhCTnlNc0QtNE1YNk5PX1EybmYwazVqTmV5SHZ1RTgycXI2VF96RlJnZmdwR3B0dmtFeF92ZmxwQnNUVlZoSnJUcVhtTDJpaXdt?oc=5) · The Business Journals
- 2017-06-23 [‘Buckeye Bandit’ sentenced to 20 years in prison - 10TV](https://news.google.com/rss/articles/CBMivgFBVV95cUxPS3FEeGNRV2NscUJfaVFPbXpxdHRLQ18zRUljQlZvRzlTUWZQTi1nOVZ1OWRidnNIZDFxTlFPdXYzV0RpbUlfX21nQ2tici01bURkQlp5dWFRNEJTSjE3c1lrbGtuN1ZTSUY3TDZQbnlmTTA1Uy1aazlPQVlnQXRQdHhOcWd6aDFiRFZIb3M4bHh4Z2x6NTNnenZlXzlDOGVpdnV5bmdZZUFZU1pYdlNSUElYSG44OUdnZk14Y2Rn?oc=5) · 10TV
- 2017-02-16 [William Cooper Obituary (2017) - Wayzata, MN - The Columbus Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQcWI5M3FmYUlySlFZVzRQdDlGV3JscUpoTy1WSFBjV0JqTTBYcVRZam0yWlE5SXpLM1gydHJodEM0RnpwQWRrbUhQZTJjc0xGaXYzS3dRdW90WXpJY0VpajFaOVlBNkpSUlpqU01NZXlXWGhHQmp3U19uejlMc3RVNFFpdzlGRTliM0xIaUdrRQ?oc=5) · legacy.com
- 2017-06-23 ["Buckeye Bandit" bank robber sentenced to 20 years in prison - WSYX](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeG50bDRZaFFmMjFBNnpzbjdxVW9ZaGotYmxmclNUeWYxM3doS0dKTWNQMTVuZDNoTHl2OVh0a2xVMTB1LTM1SVFsZTFwZURrclp0RGxhdkZVUUxSUnY4VmJRNE1jY2xnNzkxMWxlQ1g1aHhPc052T1dBV2kzek96cVZlb3QxbzdUVUxlVTZQeFI5YnBsUC1DeExZMVg?oc=5) · WSYX
- 2017-06-26 [Armed bank robber known as 'Buckeye Bandit' gets 20 years - Guns.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMEFJdEdpcjYzaHFOUndhcUN5Rk1oZUlNUkdXR0lWUVBRZHdRQXM2el9lVFNVbXFKWXlxMDdmR1hQOEVZRmF4RGU5RFFldVluV2hMVlZtYndVSy1qZFJwTWJPVVpWZXB6V0NVNi1CSE9NVjZpTWdlTWdXZ0hJRmZORmtmamE3cUtVYWdiTEhnWDFnZktJNXdN?oc=5) · Guns.com
- 2017-03-07 ['Buckeye Bandit' pleads guilty to eight bank robberies - The Columbus Dispatch](https://news.google.com/rss/articles/CBMimwFBVV95cUxPTzdJVk16eEdaNVFNdURwdXJ1Tmt3SWpkMWY4UGI4Q1gzandXT05CbVU5UVdYT2FhY2V0X3JQMnJZTDVYUXNpX3BDZl9ickVhQ1d3dXhyVWZoSTNKRmZKSnhHYnBYN0t5akdOWVdUNDV6MUZoRnVjekJZRDJldHVoTmdwWnpNSHhlNTJmNHg3Qzc5RzlpZVlkcTVKTQ?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58041 (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/57.json (key "58041", 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