# ADELPHI BANK
COLUMBUS, OH · FDIC certificate 59292 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $124.5M | |
| Deposits | $104.2M | |
| Loans and leases | $98.5M | |
| Total equity | $18.9M | |
| Loans / deposits | 93.15% (p85 of band) | 73.59% |
| Liquid assets / assets | 20.27% (p22 of band) | |
| Uninsured deposits / deposits | 18.28% (p44 of band) | 19.81% |
| Brokered deposits | 20.02% | |
| Wholesale funding | 20.02% (p95 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.82% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -0.38% (p84 of band) | -6.57% |
| AOCI / equity | -0.64% (p39 of band) | |
| ROA (annualized) | 0.13% (p8 of band) | 1.17% |
| Net interest margin | 4.69% (p83 of band) | 3.93% |
| Efficiency ratio | 89.93% (p89 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 72% | |
| Construction % of loans | 141.64% (p98 of band) | |
| Auto loans | $66,000 (0.07% of loans; DQ 6.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 54.8% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-03 | 3 | loans exceed deposits, losing money, expense ratio p90 |  |
| 2023-06 | 3 | uninsured deposits >50% | loans exceed deposits |
| 2023-09 | 3 | capital falling | uninsured deposits >50% |
| 2023-12 | 6 | uninsured deposits >50%, brokered >10%, wholesale funding >15% |  |
| 2024-03 | 4 |  | uninsured deposits >50%, wholesale funding >15% |
| 2024-06 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2024-09 | 6 | uninsured deposits leaving | loans exceed deposits |
| 2024-12 | 7 | loans exceed deposits |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 5 |  | uninsured deposits leaving, loans exceed deposits |
| 2025-09 | 6 | construction >100% equity |  |
| 2025-12 | 7 | loans exceed deposits |  |
| 2026-03 | 4 |  | losing money, expense ratio p90, loans exceed deposits |
| 2026-06 | 4 |  |  |

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

- 2026-04-01 [Columbus bank's goal: 'Drive down those streets and see the difference we've made' - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTXBXcFhhZ0gtNFhvNUx2WUt3RjhuTUpHblNWdlgtbzdYZFZoeXozSC0yU2hNc2ZuazZtUHNBM29PeXVqZE1sdGI2cjY1dDhNdzFZRVlyWmVhNUZDd0xmSnFGM1RRZTFsTFpfcEdKUU5pRUU5OWIzLUVaby0zMXhpck5GUEs4OFdLUWxJVzlmNmQ2Z2RfSFZ3Q0JldU5fOThmc0FVam9mTTI?oc=5) · The Business Journals
- 2026-02-03 [Three Years In, America’s First New Black-Led Bank in 20 Years Is Picking Up Steam - Next City](https://news.google.com/rss/articles/CBMirgFBVV95cUxNeEROcUJ2SE1QaFBGTlNpTnBFS09xY1BueUZJS21UeGhEdEdNLWhmZE5fb0ljRk9WOVZ4LTM2MzVVcG5XSGpQWHhkQXNJMGdXLUw5NzZWc1U3OUVRZjVzWGRpTlpONWg4dVhQUzVKUmpGU2lMNVlaTExoXzN0U3dLNUNINDRSMUltLVdDSTN3WnhzdGprTTlBYm1NcTRWZkFRVFFzTTNXaG10cVZ6SkE?oc=5) · Next City
- 2026-08-20 [Ross County Sheriff Seeking to Identify Person in Connection with Suspicious Activity at Adelphi Bank - Scioto Post](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQVDVmcUh2Q3V6R3djNVUyckphR2ZUM25hSUtKaE9odUFNZTMyb1NhSzJEeERkTFRSX21aM2E1eUkxNWY0dGY0NUtDRFVxY25pR0FzdFlCdVNoeGNfUThFQ1lMMDhBUjlHZHQtYUJIWXZtNjZpQVMzbEdHbGFMczVVMkF5YVFPSHJWNm1CS2JBYW5oV0gtRjlxenByZ2M4NnktUXpaZ0t3TnZpdlgzdUw4ZEtXNXF6TmxlYUNGZlI3elF5QlJ0d1dWUg?oc=5) · Scioto Post
- 2023-05-02 [Adelphi Bank Celebrates Grand Opening in Columbus, Ohio - JobsOhio](https://news.google.com/rss/articles/CBMiigFBVV95cUxObHRsN2J2cGRxcFM3eUFNY0xQZVB0US1vdHZJRWUwbkVvNUU0ekp3NXZBcFRSQ1NQZ21RQUFKT1VUMllOeDNZckFuNjIycVNJSzR2dnQ2a3A0RkFsTkRKcnVNRHV2cjJIUGtXMUpLclFtX2RJQTY5RFFsMkhqMC1VSEpFOTdLMndMdGc?oc=5) · JobsOhio
- 2023-02-28 [Adelphi Bank, a Black-owned business, to open in Columbus, Ohio - The Black Wall Street Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxQVG9jWUJfNHB5SEhYUWpkZmRMVkNUX0JFM0VWX1FzZ0dyTXN2aWZzSkFRblhfd1gwSlY3d0Q2WW1YaUJGNklsbVpUOXdIQW4yVkFEalI0ZHVlUkhxZUg3dHhLS2RmTkwyeE1xU0p4c1BfTTkxV1B1dVBfcXZfR2pucGwwVXEtQ1MyUFdSN3RZSmNaVjMwV0FXTFUyY0VUeExNeEZwS29oZw?oc=5) · The Black Wall Street Times
- 2025-02-18 [Adelphi offers "mission-driven" banking in King-Lincoln Bronzeville - Axios](https://news.google.com/rss/articles/CBMilAFBVV95cUxPOFcyVHdXU0pBS0t2UjhsNGV2akVGMTEyVEpJeVo4WHZ0WDZ5QWItVEFKdmVuRjlwSnFEWXBwcm9zUktpWHBmUGoxY29VSHhvbFRYc09uRG5TbDY3and6UVF4WGNXaDZJcnVwZzlRenRrNElnSDNWbENPSUJvQ2lBVWhsS05VVjVuVHk0VUF0RHIxVllK?oc=5) · Axios
- 2023-05-02 [First Black-owned bank in the United States in two decades opens in Ohio - Ideastream](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUmcwdzNLblJzRHRvUTZIZnNqODRKZ2h5NlZ3VVZYck80eGpPb3AwNDgxYW1fSUphNmNiRGx0aGdqWm1mMGJFd3M0SktqZ2lVWkwzOE1YcnhCMjhRU0xQZjRRSmVrTjlZYjhEMC1uNHoxemZQM1RseXBTOG9Da3l0QUFwS19kdkw5Nm81SkNpTDY2S1Q3aXRtMlNzajFEWHVlQ01xU3dWOEFkTXJVdUNj?oc=5) · Ideastream
- 2023-05-01 [Community bank with historic origins opens in King-Lincoln Bronzeville neighborhood - 10TV](https://news.google.com/rss/articles/CBMirwFBVV95cUxQeEp3YXRUMjVSc0g0TDJleVR1YmJYUjZGX2lfSlVhZFVibEMxQTNpZHZfcy1veGgwT1NSSUEyZ3ppS041bVNmc1pCSFZPTnZQYUJGenk3ckl2UWdOSW9mTl90dUdydms2V0lVSk15TTJuWEVqTWhFbVpVdHBWbFdnNzd0VE1DNDRQTThYdF9lQTB2aWhEa254bm1LOEJBWFNjZVhDSGZtd2FnVlM4QTU0?oc=5) · 10TV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59292 (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/28.json (key "59292", 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