# CBANK
CINCINNATI, OH · FDIC certificate 58434 · asset band <$300M · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $262.9M | |
| Deposits | $226.8M | |
| Loans and leases | $213.8M | |
| Total equity | $28.8M | |
| Loans / deposits | 92.96% (p87 of band) | 65.69% |
| Liquid assets / assets | 16.62% (p11 of band) | |
| Uninsured deposits / deposits | 44.72% (p94 of band) | 20.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.37% (p59 of band) | |
| FHLB advances / assets | 2.37% | |
| Tier 1 leverage | 11.52% (p58 of band) | 10.88% |
| Unrealized securities loss / equity | -7.09% (p74 of band) | -23.02% |
| AOCI / equity | -6.89% (p66 of band) | |
| ROA (annualized) | 1.61% (p88 of band) | 0.90% |
| Net interest margin | 3.89% (p79 of band) | 3.32% |
| Efficiency ratio | 58.70% (p21 of band) | |
| Noncurrent loans | 0.02% (p31 of band) | 0.19% |
| Net charge-offs (annualized) | 0.03% (p78 of band) | |
| Reserve coverage of noncurrent | 6417.39% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 20.81% (p50 of band) | |
| Auto loans | $24,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | loans exceed deposits |  |
| 2012-03 | 0 |  | loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits, capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | loans exceed deposits |
| 2013-03 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2013-06 | 1 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2013-09 | 1 | loans exceed deposits | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 | loans exceed deposits | capital falling |
| 2014-12 | 0 |  | loans exceed deposits |
| 2015-03 | 2 | loans exceed deposits, capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | loans exceed deposits |
| 2016-03 | 2 | brokered >10% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | brokered >10% |
| 2017-03 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2017-06 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | loans exceed deposits |  |
| 2018-06 | 2 | uninsured deposits leaving | capital falling |
| 2018-09 | 1 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling | loans exceed deposits |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans exceed deposits |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | loans exceed deposits, capital falling |  |
| 2020-09 | 3 | wholesale funding >15%, liquid assets <10% | capital falling |
| 2020-12 | 2 |  | liquid assets <10% |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | assets shrinking | wholesale funding >15% |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | assets shrinking |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |

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

- 2026-08-26 [Indonesia's Destry says she would back growth, keep independence as cbank chief - Reuters](https://news.google.com/rss/articles/CBMiugFBVV95cUxPYUo5Q1JPXzhRTEQyOEhMdjMtbklibGM0V2xpOEdYR0RrSHBFRl9FTG81SGFzYUNxQm5YczZZNllZZVM1YWVVZW9FYlZMMkpMSkRwVDFaVldzNmhGY0RCaDdOa1VJQWZ4M0szQ2FxcE5XZmtWa2Nua2xRNmdZcUZtTEl3SDZMRENwNURlcjV0dU82TzBOMDhHbXJZQl9SSTlNRkxTQjZ1RTU5QmdwZTVIRXZiVXBMclJzVkE?oc=5) · Reuters
- 2026-06-07 [Vietnam cbank vice governor says country will lean towards fiscal policy to meet growth target - Reuters](https://news.google.com/rss/articles/CBMizAFBVV95cUxPVGtkUzZLTTYtZTBCYkJxWnBRc19MTXFOUDEwZ0FqclJuM3lyOHBkZjE5SXgtWkYxTjVBRlhoQ2FidTlRNEZDQnRRaTF6NXB2bWZpRVRubkFZX29qWHJ4MUtUbnprVVZRNmtxb0NPYW0yVE01SDdKR21idUFlV2FHdXBJMXlycTNxalVGVU1ucDZsZ3V6bi0zb3psaTRFRlZQeW1SS0RtQVpIQnc2MkFpN1dFVDh1QVRsUXFKb2pPZ3pzcWZwUFA0Q3FFWVk?oc=5) · Reuters
- 2022-10-27 [Republic Bank Expands its Cincinnati Footprint with the Acquisition of CBank - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxOLTQwNkRacC1BT3BjRjIyRUJQNnBCYVcwZWUxVExFYzNBMnUzLTVhazhJd19lcmhyd3BTWWZkUjRvb2dIME1PeDJXMjYtR0V1cU1JM0FuRXR3R0p3SXpKSlF1cEU3NnBMbl9SNXJZRG1JeDVwSEtFcl9hRVlya0NSaElGbjFIVEhJX1EwWkI3MXlINGVfc2JRMjFBU3BaX3lLdzZkczJVbWlubGptZTJDVHpnOUp6czU3VHRfRzUxeUlESFYxVW1ObkZOYTBldw?oc=5) · Business Wire
- 2022-10-27 [Republic Bank expands its Cincinnati footprint with the acquisition of CBank - The Lane Report](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOUlZDQTRDczJXelJsdXp1NjVwYXFDMUpWUVNpVnFxTkFHS3JVRUNEel9IOGpwX1BiejBtUjd4bDRFQWMwR0dxdHdRUDFfUERIMG54azltWnRZbEhRa2gySlBnalZXWlZieFdnVFhuRnVUT1V3SnNrbXBDa1FkZml0YXVuMnI4TWstMHhxSkhBZFlqOUVFdU9nM3ZkNURzMzFiTGFuQVFvR0JDaE5rRWZONDlPSW1MRThTc1M0?oc=5) · The Lane Report
- 2022-10-27 [Cincinnati-based CBank to be acquired by Republic Bancorp - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVm02SnR6TkJ5ckpObWdDbWo5blVlRjBIdFFaal9hcmZOZDg5SmRRM1Jmd3FkcURDNWM0Z0RYRS1icjI5YWY2WnA0RlpJUWNZenowVlR6RklBc1JsSllTQWwwUEY4ZTB2Vmh0TnltZmdCaHdpZGRGR1J3OEhCdFAzb0FVRmpmLU85QTh5eDdDU0J1eks4M2c?oc=5) · The Business Journals
- 2023-03-15 [Republic Bank Completes Acquisition of CBank - Business Wire](https://news.google.com/rss/articles/CBMiowFBVV95cUxQbHEyQTVaTkI3R3g2X2xkMUFQNHBmTHNEbW5FNVlKa0FqaWhydFFCQVlQQjVZT2VOSDRiWVJPSy1QUFdnUC1rYWpVSm1yYjBfVFE0VVF1aHIzVGNXMHU1bC1oenpSNlhJRlREa1pvWmNaX3hXOWtUS09vUmpsaF9MS19uTWpPMjVjZFlRMndFQnF4bHdxdmxiVjRSS0ZBMzBfVkQw?oc=5) · Business Wire
- 2023-03-17 [How Republic Bank is building ‘density’ in Cincinnati by acquiring CBank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORWYzeTB5YmNzTVN6LUtzQV8zRWtydmgzRW1LOGRmVlVWVnFLNEhFVnRHMDc0OUNCOUVMdXpqSkwySHp2YXJ3YnMtXzhUZmJKR0JlTVMwMXRmVmFTSWxscW14OFFtaXV4bzNpTXE2cHNGeHhWY2VhOG85bTdoNlRzbjBzLU5pM3NVYmRTZEZVc003eXpBc3RscHhMSFAwNkM1TTJxVDI1Yi16cUU?oc=5) · The Business Journals
- 2024-11-04 [Central bank independence being challenged in many countries, Thai cbank chief says - Reuters](https://news.google.com/rss/articles/CBMixwFBVV95cUxPOXJxV2d6OWZ6enlFcVBSUFYwamJZMTFnc1FkNTFpcEVIX1hGM3BEQlh6S19vNDczZ1hfdnhwRmhldEc4UDgxZzhKYVhBOGJqQmliSnFqeWpXWVhHb21BYk5ONERsQ0dqZTdTX1JDdGphSUpsQUFkQ0Z6eUVlYVZxVWJ1YjdJbUlNQmNieF9ZRlU2M19INGlMUkhZcUNwOUlqY0ZEdWtPZ1Z3NmIxc2Eta0JaWmdEdU5MRm40aXpKbmZlVFppRmpV?oc=5) · Reuters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58434 (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/2.json (key "58434", 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