# INSIGHT BANK
WORTHINGTON, OH · FDIC certificate 58215 · asset band <$300M · latest filing 2014-06 · 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 | $249.6M | |
| Deposits | $180.2M | |
| Loans and leases | $215.1M | |
| Total equity | $20.8M | |
| Loans / deposits | 117.84% (p99 of band) | 70.22% |
| Liquid assets / assets | 12.20% (p6 of band) | |
| Uninsured deposits / deposits | 26.20% (p89 of band) | 12.36% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 20.06% (p96 of band) | |
| FHLB advances / assets | 17.63% | |
| Tier 1 leverage | 8.59% (p16 of band) | 10.41% |
| Unrealized securities loss / equity | 0.00% (p39 of band) | 0.24% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.54% (p33 of band) | 0.79% |
| Net interest margin | 3.74% (p57 of band) | 3.62% |
| Efficiency ratio | 70.27% (p41 of band) | |
| Noncurrent loans | 0.22% (p25 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 576.79% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 94.85% (p95 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 1 | loans exceed deposits | capital falling |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 3 | wholesale funding >15% |  |
| 2014-06 | 3 |  |  |

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

- 2026-01-22 [How Bank of America's Erica does the work of 11,000 people - LinkedIn](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZ21qcHlpSmtpNmxNMjJ2dS1KbGsycFVYZG1qamFJa0VfajFNVkhVTUFNdlJYTmlXcFVROFhscmx3a3IyVDNKVjR3Vmp2VUF6Q3MxTjFUZnlNMzg4aTVPUmVYb2Nwb3BOQ3Rua3pDZC1Pa1d6Wm9JQzZpeUVNTUpaUnFySVNmZlhhTjN1UUpZN2hlTkp0MVhfY040Qm5wVkhK?oc=5) · LinkedIn
- 2026-06-07 [(Economy Insight) Bank of Korea Swings Hawkish as Real GDI Surges - Businesskorea](https://news.google.com/rss/articles/CBMidEFVX3lxTE5TVGFoSnIzWld1c3NKcnRUZVF5MThmNHcwZ0hiTnByVHVWeXFUbllKTzJsQXNORlZmUVBzN2tEdUptZ2NGUUhfWkZYY191akI5Vktma19teFQ1SU9BWHRSbnNwdjM5dmlrTEN3aVNBeHB0NjFw?oc=5) · Businesskorea
- 2026-01-14 [Bank of America inches past estimates, buoyed by net interest income - LinkedIn](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZURyVllmWjI3ay1YaC05YzZLTjgxdXRBdE5GNy1NdGVITlVYQVhVUFFaQlQtblhGREJCc215eXZ6TlFOOU8wOEI4aUdkeTZvU2xoN1YzNTdJbG5oTS1wbkctcDJnY01sQzllaDg5MHNMQy1IOFFVSHBaMnFsN19CV094SG5hYmdnRk1udklZU0FMRnNFOGc?oc=5) · LinkedIn
- 2014-08-11 [Vorys Advises Insight Bank in Merger with First Financial Bank - vorys.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbnJuZnJWYVNldnA0cHd6Uy1uMTRraG9YREpZVldqRVFTb3ZGRmxDM0V3d3lHY2VGbldGc2lkMEZzZlR2TzVjNGktZmtrYTBSRE9LWjdOaWxXcEZ2QWRSMlp3X19STUFWSnNZTEMtYndxbHBRaWsyN0RnaHZleHc2LVQtZF9Hb1dRY0Y3dDYzc1ZxNXc?oc=5) · vorys.com
- 2013-12-20 [Insight Bank CEO Harvey Glick finds another buyer in First Financial - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQM3VQU3ZVNUVRUk5VaWFuSEdISC1FQnVLTFF1andTZ1pRQkNKODZBcEcyY3JUUm1tMUpfdDB2dWZnV2luRE5oTWNGOHNUY0p0dm5oTFRSOXU3NGk0THcwaW9MLTBCUU1mZlJHaDBoQk9PYVptc3R2LXVrNDE0djdpQU9la2Q1VW9TQldHLWcxSWZTUHVMSUZVaA?oc=5) · The Business Journals
- 2014-02-20 [First Community Bank being sold to Defiance-based financial company - The Columbus Dispatch](https://news.google.com/rss/articles/CBMimwFBVV95cUxONFBNNDJnZ25TNXVqNF9NRkhQdHFzb1NmczVGUFJHaThyR25nd2pxYkxhZkVoTVk5Tk5oUXVzTWNuSHNvbHk3S3Jtem1icC1tbWM2WjQ1cjB5RGxSaWJEZ2hqTV9lbzRWUUtySVhRWVFrUGlINVRfMERwekpUYlFjbDNnUXh4UWRybTJ0S1J5TnF4UG5rMW9NWlZEQQ?oc=5) · The Columbus Dispatch
- 2025-10-01 [The Most Powerful Women in Finance; Bank of America bolsters its artificial intelligence toolkit - LinkedIn](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQ3JscTg1MkxKQ2tzcVN1dDRVRGxBQnp5eGlpbG9XSjluT2t0RDE0eGl3TEhxUUZXQXlXbmRYXzZneUNDeW9pbzRnSTN6UzdObnhtQVB1ajRiM3dNaDQ0VmhVeG9DUk82SDQ5R09yMk1qRUhnSUQ2VTAtVnpITE53dFdDV25xekNTOXFjam12LTdYU0Z1?oc=5) · LinkedIn
- 2024-05-24 [VPBank wins prestigious "Customer Insight Bank" award for excellence in digital customer experience - vietnamnews.vn](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQbnM5U3FSVEdmSjNWSzkzbDBScmstckh0T1g4S09TZlRjaExkSkdVTzlrQThYVkkwTmFRZ1VhYW1MMmxQeTVBRHE5dzh4bjJwaGNVWHFpVHFjZUU1cHd4UUU3NUJZWlJURmlFUWNFanJxSWV5dFlxbjlBLUhZbl9IX0Z1elc3c2RwMmJrYmlBRUY4WHZwWmJMVG9xTG83dHdrRFdXV1o0LW1fazFPQjR6eGFEX0gyQ04wbklab2ZyMGlvUEl5ZE8zQ0Jia1NhNkROckNyTzViRjI?oc=5) · vietnamnews.vn

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58215 (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/39.json (key "58215", 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