# OHIO COMMERCE BANK
BEACHWOOD, OH · FDIC certificate 58198 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $123.4M | |
| Deposits | $111.3M | |
| Loans and leases | $97.7M | |
| Total equity | $11.9M | |
| Loans / deposits | 86.55% (p82 of band) | 69.26% |
| Liquid assets / assets | 19.22% (p15 of band) | |
| Uninsured deposits / deposits | 29.20% (p94 of band) | 11.87% |
| Brokered deposits | 21.29% | |
| Wholesale funding | 21.29% (p97 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.04% (p45 of band) | 10.33% |
| Unrealized securities loss / equity | -0.35% (p53 of band) | -0.53% |
| AOCI / equity | -0.58% (p75 of band) | |
| ROA (annualized) | 0.54% (p34 of band) | 0.77% |
| Net interest margin | 4.53% (p89 of band) | 3.62% |
| Efficiency ratio | 72.27% (p47 of band) | |
| Noncurrent loans | 1.34% (p56 of band) | 1.08% |
| Net charge-offs (annualized) | 0.18% (p73 of band) | |
| Reserve coverage of noncurrent | 104.90% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 12.19% (p44 of band) | |
| Auto loans | $8,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | reserve under noncurrent, capital falling |
| 2012-12 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 2 |  | deposits shrinking |

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

- 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
- 2013-11-25 [Duncan leads Peoples branch - Chagrin Valley Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxPYWdmNzlrTHFuZGp1eFhBeDBxSWk5TjAxX3M2SjdjMElrMDRGMjROc0FWeUxvcU14bUlQZ1VJQ3NhYkVmdFVtYjc2MWlEZG55ZXB6bDdORTVETDl1ZmpESnQ1ZE1jMk40MXZjMGtzQlZFcmFfXzRPeXQwc1VDZFVlTm5xYTBPdnBjRmlXTkJ0aEtTVnpIZFZ5UnREQVFMLXdtTUpLMVJvNHMyRW0ta0dF?oc=5) · Chagrin Valley Today
- 2016-01-27 [A look at Northeast Ohio banks that have disappeared the last few years - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRkp6NFMyYXFZekg3X2lGQzVLWkNYSzQtQjhyUC1LcXdEVVV2UXU4Q0dDc1h0VGgtUlNXTC02VHoxQTFHalBnb1h6MllGZTh5VkZJNzJOTFhRVWJDRmQtbkJxY081OWdUNHprOWdRdFA3RUlHdFh5aVZ3UGdKci1fMHFrTFA?oc=5) · Cleveland.com
- 2023-04-27 [Root receives posthumous BBB Champion of Integrity Award - Cleveland Jewish News](https://news.google.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?oc=5) · Cleveland Jewish News
- 2011-09-23 [Beachwood City Council Election 2011: Mark Mintz - Patch](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNVczclJTSEVVM280TkIyR2JDekxvcG5RMzBZenAta0owd1NXdGs2c0V2THpwOVRveXhUMEE2MzhRRzFCR3hGS0pVckVtYW5rY2lIMmo4SWV6aGRjZWRwbGpoSHZqV1RsX19LOU1icXJwdmlKSExHaFFadHhZZUlyM1MxMFN4cnM?oc=5) · Patch
- 2017-12-04 [Here's a look at which Cleveland-area banks are the strongest - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSTMyNVpnRkpXM0wtekV4N2s3YWM3UWg2dWUxbWVJcWxmOGxUOE5rdExQRDFJTFNyUWVBb3FnX2Z3bnAwUDJsSW9kZVdNYk1GSzVWN2RLSzJfdDNJcjFOeE92VGNHeUFhdkJkMV9Sa0pMU3lPZE1VS21DOHloX1dOOXNCNFo?oc=5) · Cleveland.com
- 2006-07-20 [Beachwood Business Development celebrates its second anniversary - The Solutions - Cleveland Jewish News](https://news.google.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?oc=5) · Cleveland Jewish News
- 2016-10-05 [Dollar Bank makes second acquisition this year as industry tightens - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQZTJ2dlctWjlWNGRBZUNPbW1YUkgwb1c3SjlRM2N3bmRsc1NOQTBTV1Y1ajJtdWthSWVDcU1qUk5zRW5Cc1lJM0xJYkNlc2w3VDAwV29zX1UxQkNEbk5NcHZlVGtnbF9KcFdxTXJrdlhpY1I1djlpS011VF9tV3BCbml3LWY?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58198 (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/22.json (key "58198", 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