# OHIO STATE BANK
BEXLEY, OH · FDIC certificate 59144 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $484.0M | |
| Deposits | $405.4M | |
| Loans and leases | $429.7M | |
| Total equity | $54.3M | |
| Loans / deposits | 104.89% (p94 of band) | 82.04% |
| Liquid assets / assets | 10.43% (p5 of band) | |
| Uninsured deposits / deposits | 13.94% (p11 of band) | 25.97% |
| Brokered deposits | 20.21% | |
| Wholesale funding | 24.35% (p96 of band) | |
| FHLB advances / assets | 4.13% | |
| Tier 1 leverage | 11.69% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -1.10% (p86 of band) | -8.10% |
| AOCI / equity | -0.03% (p71 of band) | |
| ROA (annualized) | 1.02% (p34 of band) | 1.28% |
| Net interest margin | 2.43% (p3 of band) | 3.91% |
| Efficiency ratio | 52.42% (p23 of band) | |
| Noncurrent loans | 1.03% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 103.00% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 117.07% (p92 of band) | |
| Auto loans | $70,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-06 | 4 | loans exceed deposits, losing money, expense ratio p90, NIM <2.5% |  |
| 2019-09 | 5 | uninsured deposits >50% |  |
| 2019-12 | 5 | capital falling | loans exceed deposits |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 | loans exceed deposits | expense ratio p90 |
| 2020-09 | 3 |  | NIM <2.5%, loans exceed deposits |
| 2020-12 | 6 | expense ratio p90, NIM <2.5%, construction >100% equity |  |
| 2021-03 | 3 |  | losing money, expense ratio p90, construction >100% equity |
| 2021-06 | 4 | loans exceed deposits, run vulnerability | capital falling |
| 2021-09 | 5 | construction >100% equity |  |
| 2021-12 | 7 | capital falling, deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2022-03 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2022-06 | 3 | liquid assets <10% | uninsured deposits >50%, run vulnerability, capital falling |
| 2022-09 | 4 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2022-12 | 4 | loans exceed deposits, liquid assets <10%, capital falling | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2023-03 | 6 | brokered >10%, wholesale funding >15%, NIM <2.5%, uninsured deposits leaving | construction >100% equity, capital falling |
| 2023-06 | 6 | construction >100% equity | liquid assets <10% |
| 2023-09 | 7 | capital falling, expense ratio p90 | uninsured deposits leaving |
| 2023-12 | 8 | uninsured deposits leaving |  |
| 2024-03 | 7 |  | uninsured deposits leaving |
| 2024-06 | 9 | losing money, uninsured deposits leaving |  |
| 2024-09 | 7 |  | capital falling, losing money |
| 2024-12 | 6 |  | uninsured deposits leaving |
| 2025-03 | 6 | uninsured deposits leaving | expense ratio p90 |
| 2025-06 | 5 |  | uninsured deposits leaving |
| 2025-09 | 5 | capital falling | construction >100% equity |
| 2025-12 | 6 | construction >100% equity, uninsured deposits leaving | capital falling |
| 2026-03 | 5 |  | uninsured deposits leaving |
| 2026-06 | 6 | uninsured deposits leaving |  |

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

- 2026-08-14 [Interra CU's Proposed Hicksville Bank Acquisition Clears Major State-Law Test - CUTimes](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMXhveHQtR3JPbHpOcnVXeDNnekZWSWYyQVpCYWZGekZ0VlNPRllHb1BLTjdjOGJ4RERwUmoybTN3SF95U0lzSzFraEh2czRYN2w4dU5vN1lpank3ekRRYWlibzl0YTlER3I3YUREcDdsZEY3Y3ViQWJWMVZZYXRwa2l1Tk1uSTVFSi1YNHR1MElDQTRCQzFCazVJOF9CTXFvejhncTJadDBaY2RhdnloLXRR?oc=5) · CUTimes
- 2019-04-22 [Ohio's First Local Bank In 10 Years Opening In Bexley - WOSU Public Media](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQWpsVGlxcGEwRzkwSWU4eG5jWG1PVlJYR0N3MjRPbV9mTzlGWjQwMWFSNEFNOHN5SHBTQlQ1QlBualhFOVAwZTl6TENyUkZGS0FDSzdsUHRoSXpOd25YVkhDbTlzTWV2TXVfVk1MbzU2WEx2LUJaT1lTV3RTRHR0cUN5WkZkQ0lEdUtjdnZmUnB0U1U?oc=5) · WOSU Public Media
- 2014-11-18 [United Bancshares acquires Ohio State Bank - The Marion Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNLVhGVmZOS2FJNEJUU0FSeUlodDdLRTJwNTFBQVljQjFNRVRvWnlWN1VvbkFxUkZKRm9waUFwWnRfTEVadzBGOGNaa3U5bmxBOEJqcUZjM3UwMmI5YV8zM0NJZ2JPNVpUR0hhSVhfNW83VTlfX0VST19ONS03Qll5YUI3NUFTUDJpb251bF8wakpYWFJOTjB1SHdGV2dWQUJ5a3pSSGhmc1VMU28?oc=5) · The Marion Star
- 2020-08-10 [Ohio State Bank plans to open Upper Arlington branch - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiswFBVV95cUxOZUxkR1puaHFJbmUzanV3RGZQQ0g0SmRrQWppc041b0NuUDF4UWdUWHFicFdLYkkzVU5UVXpuTjJDU1NRdDc1LXBacVRmTFhrTlMya0MyZnRBN3JaYV9RWmsxOF9DVHJxVEo2VGJ1Snp0X2lOdEVMVUU3VE9yLS12cmtpMmVnUDA1QWhTQVZ1OWFKR1ctcXp5YmdFTjhaYUlyamZBNWtETVJwaF84QTFneGxtbw?oc=5) · The Columbus Dispatch
- 2021-01-06 [Vorys Proud to Advise in Formation of First Bank of Central Ohio - Vorys](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTEdWRmx1a1FZM2dyMjVPU2hDeUQwNmtUT3diSklZbzVwVEpuYUlmWnEwbTlPbGdtUjFKOGJNV2RULU9ON2M3MC16NUd3a29uWjg0QUhVLTFPaWhBVzVFUHR2c2hZamR0U0JoQnNnUXc1NkZkRmtoWm5BM3lhXzd6UEJXYnRGOHNucnFzS0JLNUFmRHRjTVE?oc=5) · Vorys
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2020-08-19 [For Central Ohio banks, the branch of the future looks like a living room - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNX3dGX2I3N3BlQnVZSHhyMjA2OVc2LUxDdFRGdDk5UXlMSzB5R2s3eDloUVFjZTgtbG44bDVZcHRUczV3elo5SFp5QU4wZGFsX2hiMlV4My1ZcHhnenk4Y0ppZ000UzBUV2U4Z0ZHbWdXaUZySjNyQUowODVtU3ZraU9hX1RSdmd2YWhOdDcwUlc5WG5MNXlrR1EtNVZtWkRsZ1ZpUHZBZklENDd6?oc=5) · The Business Journals
- 2020-01-15 [Ohio State Bank eyes project on Upper Arlington's Lane Avenue - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiswFBVV95cUxPaVNhcU1NWEY5VThKRldWR0M3TGFaZ2ljUzBaRkNmS3Z3dXBkdXFFY3FaZ1BsY245aXprWnBRaFlpdnBWakpLNUtzUF9lVDZuWlhOX0ExSGpGZlcyTEsyUFllcTBsU1JHUWlFQ2Z2elNQNXZpSjNBc1hzM1B2dXhwZnpfZVZaWEM1YVlqSXE5empfdmhDZE4xdFBLVDAtQjl0dW5TQUJRNnN3QnpoRTA0Ul9QZw?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59144 (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/8.json (key "59144", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide