# COLUMBUS FIRST BANK
WORTHINGTON, OH · FDIC certificate 58445 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $324.1M | |
| Deposits | $256.2M | |
| Loans and leases | $280.3M | |
| Total equity | $33.5M | |
| Loans / deposits | 108.09% (p93 of band) | 84.92% |
| Liquid assets / assets | 13.56% (p17 of band) | |
| Uninsured deposits / deposits | 27.39% (p69 of band) | 21.35% |
| Brokered deposits | 3.07% | |
| Wholesale funding | 13.56% (p78 of band) | |
| FHLB advances / assets | 10.49% | |
| Tier 1 leverage | 10.63% (p56 of band) | 10.35% |
| Unrealized securities loss / equity | 0.00% (p91 of band) | -2.32% |
| AOCI / equity | 0.00% (p96 of band) | |
| ROA (annualized) | 0.92% (p38 of band) | 1.05% |
| Net interest margin | 3.27% (p23 of band) | 3.67% |
| Efficiency ratio | 65.93% (p46 of band) | |
| Noncurrent loans | 0.19% (p24 of band) | 0.55% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 615.05% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 67.07% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | loans exceed deposits |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | wholesale funding >15% |  |
| 2012-12 | 2 |  | wholesale funding >15% |
| 2013-03 | 3 | wholesale funding >15% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | wholesale funding >15% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 0 |  | loans exceed deposits, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 0 |  | loans exceed deposits |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 2 | loans exceed deposits |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |

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

- 2017-12-21 [Central Ohio bank being acquired by Cincinnati-area bank looking to boost its presence in the region - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNYXVOdXE5dVRFeUFYZUQzbVBvX2xLUHlkaWMyTV9UM0RwUkRzS2dhS2JGRlBpMWNlVDBvME1odXNUWFlsVEI1R1BBdklHck82SEs0MVBZZ2hBSGRDVHFXaEJ2REtxeThHd3liMGFEeVl0MDN2ZU93Uno2Z2dSOVBsUzBWMEU3bmRXX3NObjhTbDdjQ2xFeHpwSkhpRkozbWNmLVFaWnVVTQ?oc=5) · The Business Journals
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2021-04-08 [Obituary for Frank Lasher Goebel - Egan-Ryan Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1kekEyYXN3MzhBQmFwNThNcDJYeGFDQU5TOHZodHpneXVvWDFnWVNQeElPbkhCcmlQTDY2alh2X2NGY3ZFdldEWmI0VjgxZzJjZ3o1cU9LMEZsNkk?oc=5) · Egan-Ryan Funeral Home
- 2012-08-28 [Investigators Search For 'Bad Beard Bandit' After Worthington Bank Robbery - 10TV](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOdUtjdmp4cF9JcllrbnhWQWJLMXhjU3JoaTl5dVROTkpMZGl4c01FWGNHZkQ0LUpkbGVEazV0UTYzQnhfQldXSnduYVhSQzlzRDNKSG5ETFg4S19JbFU3UEg4cmhNYk56LTcwV3lOTjVOVWRkZXBId3AzdHR2OUxwU2VSaWlHNjZaeDdhSGxzQzVIQnVWOGwwZkJ4Rlg3dmc0RDlSbEZ1b05acy01R1JEVjRWbE8xeGtqQWRMRzBKNTQtdVdiS3pRUmowR21EWVhsU05LeHhFakhhUHZ5RVJOakJGeWdPY3AtUnhRUzhXVjBSY2tEUFE?oc=5) · 10TV
- 2013-05-31 ['Disguised' man accused of robbing seven banks - The Columbus Dispatch](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYmY3djg3X1JDSWI1a05mRmhaX0U5ckRMSy16Q1VsWW04WGxjRm42MDdET1ZCU0FUZVN3WHRuM0NvbGZ6NlJRamItSUNoWGhjN0NRbU94ZWhCeXRQNk40NlpGV2thcThrQlR5MHdSNXo3NWVsd3ZJYmh5N29YeUZ3R2NQdDdkOTlyM0lTejgyX0N5QjN5anFwOGxOZw?oc=5) · The Columbus Dispatch
- 2022-04-06 [Robyn Penn Obituary - Columbus, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE4yeG4ydnJrSzhHcU1sS3Q5SHp0YU1od3hjaTVtak5TOHN3RHh4d0JuLWw2UVNpVWd6NTBnamVQUjRVTDEyZDItSlhnREo5b2dkLVZwU21Dck5aWUdoaVRfbXpSZl9yTFZqWDloYTBfZ29YTkVWVDFSMXIwYjZkNlU?oc=5) · Dignity Memorial
- 2020-02-13 [Greater Dayton bank to shutter two local branches, CEO says - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQakVNTGcxUkdQUXNmZS11dnphRzJXWkhLWXhxWmtXMDFrRFBDQWxVYl9ZSElYSEtSallmSVBXZnZCSjF2bmpXZnhjbklXQm5YTGhPc0p2eWdibXBvUzdwTUdCb0lhbE94U1JDdmNMVFFWaWVFaW14c0ZXN19lal9scGlLUWNrTVoxOE9hSmpwSVlnRGZ0MUZJYmd0NHRtX1ZQcHdobFpJN0Q?oc=5) · The Business Journals
- 2013-06-01 [Man charged in 8 bank-robbery cases - The Columbus Dispatch](https://news.google.com/rss/articles/CBMikAFBVV95cUxQazFLMF82U0Jmek5mcmdkOFZ4VDFTTHlicEpSelEzcUl1dmxWWGtQeUpuRS1WLVVMcXBiMnZ1THdxbWdHY2J5SWtmQ2ZfOXk2S0hIeE1QU1dDNWhvWHZvbVBIWlVSQnU0bkhMSmpwV2YxTk9iaXRWWXRabnBINUZQMjczTXNER2pQOGNiY0F2dXY?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58445 (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 "58445", 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