# RESOLUTE BANK
MAUMEE, OH · FDIC certificate 58317 · asset band <$300M · latest filing 2019-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $23.3M | |
| Deposits | $22.9M | |
| Loans and leases | $12.5M | |
| Total equity | $159,000 | |
| Loans / deposits | 52.93% (p16 of band) | 77.79% |
| Liquid assets / assets | 44.78% (p77 of band) | |
| Uninsured deposits / deposits | 2.98% (p3 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.61% (p0 of band) | 11.56% |
| Unrealized securities loss / equity | 0.00% (p17 of band) | 0.80% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | -7.01% (p0 of band) | 1.05% |
| Net interest margin | 3.66% (p39 of band) | 3.84% |
| Efficiency ratio | 145.53% (p99 of band) | |
| Noncurrent loans | 3.51% (p94 of band) | 0.56% |
| Net charge-offs (annualized) | 3.05% (p100 of band) | |
| Reserve coverage of noncurrent | 93.39% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 50.94% (p81 of band) | |
| Auto loans | $155,000 (1.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.6% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, construction >100% equity |  |
| 2011-06 | 5 | leverage <7%, charge-offs p90 |  |
| 2011-09 | 5 | capital falling | construction >100% equity |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 6 | leverage <5% | deposits shrinking, assets shrinking |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 8 | deposits shrinking, assets shrinking |  |
| 2013-06 | 8 |  |  |
| 2013-09 | 8 |  |  |
| 2013-12 | 4 |  | leverage <7%, capital falling, leverage <5% |
| 2014-03 | 3 |  | assets shrinking |
| 2014-06 | 4 | capital falling, charge-offs p90 | deposits shrinking |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 0 |  | losing money, expense ratio p90, charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | expense ratio p90 |  |
| 2016-03 | 3 | capital falling, losing money |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 4 | deposits shrinking, assets shrinking |  |
| 2017-03 | 6 | capital falling, charge-offs p90 |  |
| 2017-06 | 4 |  | assets shrinking, capital falling |
| 2017-09 | 4 | noncurrent p90, reserve under noncurrent | losing money, deposits shrinking |
| 2017-12 | 5 | losing money |  |
| 2018-03 | 9 | leverage <7%, capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2018-06 | 9 | charge-offs p90 | uninsured deposits leaving |
| 2018-09 | 11 | leverage <5%, uninsured deposits leaving | charge-offs p90 |
| 2018-12 | 11 |  |  |
| 2019-03 | 12 | charge-offs p90 |  |
| 2019-06 | 10 |  | capital falling, uninsured deposits leaving |
| 2019-09 | 11 | uninsured deposits leaving |  |

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

- 2019-10-25 [Regulators shutter banks in Kentucky and Ohio - American Banker](https://news.google.com/rss/articles/CBMifkFVX3lxTE9aSW5BcE45OGo1c0dKbE40YW9ITzBaaWJpTUVsMVI1R1JkbERoRzdDclhtUkNtRTc2VXlmSG5qUmNEMXF6dUF0OUxoeUdYSEdjUUZUdEZMelRvRjl0d2R1SjAyNEpoVWtyLU5uaS1GaDBIdlBiQi1QTHJTOXhiUQ?oc=5) · American Banker
- 2019-11-04 [OCC shutters NJ bank, marking 3rd failure in a week - Banking Dive](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUmlHa3QzRTJpYWdVODFHc2dfUEFkRjJ6M0VPdWpLT3M3bHJMekdXdFVXcHQwRnh0b3ZYSnBzNDJabDB2LUpjdk8tY2l2czBNMjJjR2U2NnNvYkM5SXpKNkowTktIT1U4N2hGdU9zZU5udWlTemNsZ3ktdi0wajY5aG9hSm1NaG9IQzNHU05VWUhVOGlKV0E?oc=5) · Banking Dive
- 2025-02-20 [Buckeye State Bank adding branches as it aims for $600M in assets - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZWJHRlJ4SkRUNXhObEt4ZzVNaXctWWVYVUJPMDFHWG93QTJjLTROejBETWVHSlVjOU9fbUZZaGVhZHhMVHZaQkN1R3lDY2lna1p3TFFsM2lXeW5WV2FNX2o5T0NMd2p0clIzYWd1YVgyV3RoX3Jua2IwUEVnMG0wNElyeXh2VU9tWmJycjNnNUU?oc=5) · The Business Journals
- 2022-10-22 [Three US banks have gone bust in recent weeks, after a failure-free 2018 - qz.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVzNBTFF3VmM1Ry14VXFGdlJxdE5KcU5VZklXSGFNMEV1Zk9saTVlVmMwekEwWS1Hdl9QRHdITzNLQ09tOTJIWFh4UFRLUjZ5OU5INHljLTFvWUJsM0hmNzlseWZ0bkhsMy1ST05nUS1YOEZMRXhEaWk2dVAyWkJwYTgyemVUWVAxWVEwSmVVT2c?oc=5) · qz.com
- 2019-11-11 [BMO Harris plans downtown Sarasota move next year - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOcmtsZGR2Ty1jMENlUE04dTlMbFlnaVNvX1IxMUtQcXhBa1JlaGNLY2lHTDFIMGtFdUhBd2dsdUFFOFBTaVRydmpMWnVmdl9LbUtIdE9EWVFYVlUyZVJNWVBvUFhXVXdVZGEyQTdzd1BZZEVmOFkyVS1aaU40dXBoLVNpWjNVMWlMbW9vOEJHclFITWMxTmZ0VjFWYWM4UFBBa281aml5TGNjajd6bU1wMi1oVm1CVnVJZXJaSUNVNFFoUQ?oc=5) · Sarasota Herald-Tribune
- 2020-02-18 [Nebraska’s Ericson State Bank closes, marking year’s 1st failure - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxONTVQb0FOU2ZDS1ZDXzN2U1c4SFd1UTVDZ2ZqdDVCTzBfbU9Bb1FTTDc5V2NhLVMyZk11eHdpeU4zU0h4azlKdW45SkZzNUFVa0duSnI3MzdvMHFxSW9FNGFsRGlyaXBSa3pvcVYyWGZ2OVFNS2I4NGZRVE5kcUQ1WjA3ZjVDdUJ1QXc?oc=5) · Banking Dive
- 2023-03-13 [Bank Failures Under Donald Trump Compared to Joe Biden - Newsweek](https://news.google.com/rss/articles/CBMijAFBVV95cUxPakVfdnJTTThVTUZyY21oSHlyVlFnSFBxM3czWnlLN3NOQ21QNHF1MkRmejBQTGpUdDQxd085dlV6dXRkWWNqeFJwcTRZUnc3bkkzQjhfaXBWamt0TlJGZUtfN2NuamVGeUV3dHlZenFLb3lQMXlVMjk1OVRNR3BuSlZ0cXRmTXlDYU5hLQ?oc=5) · Newsweek
- 2023-03-13 [Is It True That 15 Banks Failed During Trump's Presidency? - Snopes](https://news.google.com/rss/articles/CBMid0FVX3lxTE52LVB0OVc0TS1zN0NDWGZaeXdIME9LaS00YmpSNmx5NHAxWDBkNlZBWWQzUFVnWFpjUlNOYzdwSFRaYU9ZNEw2U1NaOHJCYjlnR2xEaFZ2OFBaTDFMQ1hlSE9rai02YUxOb193Tl9ZZEp5QXR1b2g4?oc=5) · Snopes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58317 (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/13.json (key "58317", 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