# CITIZENS NB OF BLUFFTON
BLUFFTON, OH · FDIC certificate 6531 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.10B | |
| Deposits | $863.6M | |
| Loans and leases | $882.7M | |
| Total equity | $105.6M | |
| Loans / deposits | 100.67% (p87 of band) | 87.10% |
| Liquid assets / assets | 18.79% (p40 of band) | |
| Uninsured deposits / deposits | 42.93% (p80 of band) | 30.76% |
| Brokered deposits | 4.23% | |
| Wholesale funding | 15.94% (p82 of band) | |
| FHLB advances / assets | 11.72% | |
| Tier 1 leverage | 11.02% (p61 of band) | 10.50% |
| Unrealized securities loss / equity | -15.24% (p27 of band) | -7.75% |
| AOCI / equity | -0.68% (p27 of band) | |
| ROA (annualized) | 2.45% (p95 of band) | 1.26% |
| Net interest margin | 4.45% (p86 of band) | 3.70% |
| Efficiency ratio | 49.89% (p23 of band) | |
| Noncurrent loans | 0.66% (p60 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p10 of band) | |
| Reserve coverage of noncurrent | 228.03% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 50.35% (p53 of band) | |
| Auto loans | $253,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 160 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | loans exceed deposits |  |
| 2012-09 | 3 | capital falling | loans exceed deposits |
| 2012-12 | 1 |  | reserve under noncurrent, capital falling |
| 2013-03 | 2 | brokered >10% |  |
| 2013-06 | 4 | loans exceed deposits, capital falling |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | capital falling | brokered >10% |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | loans exceed deposits, wholesale funding >15%, AOCI drag >20% of equity |  |
| 2022-09 | 6 | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2022-12 | 5 |  | securities losses >30% of equity |
| 2023-03 | 3 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 2 |  | deposits shrinking |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | wholesale funding >15% |
| 2025-06 | 2 | wholesale funding >15% |  |
| 2025-09 | 1 |  | wholesale funding >15% |
| 2025-12 | 2 | wholesale funding >15% |  |
| 2026-03 | 1 |  | wholesale funding >15% |
| 2026-06 | 2 | wholesale funding >15% |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6531 (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/3.json (key "6531", 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