# KINGSTON NATIONAL BANK
KINGSTON, OH · FDIC certificate 6616 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $586.3M | |
| Deposits | $536.2M | |
| Loans and leases | $403.6M | |
| Total equity | $45.0M | |
| Loans / deposits | 74.51% (p34 of band) | 82.04% |
| Liquid assets / assets | 27.74% (p58 of band) | |
| Uninsured deposits / deposits | 33.16% (p75 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.09% (p25 of band) | |
| FHLB advances / assets | 0.09% | |
| Tier 1 leverage | 9.21% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -26.71% (p15 of band) | -8.10% |
| AOCI / equity | -0.59% (p37 of band) | |
| ROA (annualized) | 0.84% (p24 of band) | 1.28% |
| Net interest margin | 3.35% (p22 of band) | 3.91% |
| Efficiency ratio | 69.74% (p73 of band) | |
| Noncurrent loans | 0.27% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 374.02% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 19.96% (p25 of band) | |
| Auto loans | $4.1M (1.02% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 82 | |

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | capital falling, reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the 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
- 2025-05-16 [OHIO Chillicothe alumna Lisa Wiseman serves her community through banking - Ohio University](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOeXZhakVqYjQxQXFNNDZVNjR2YWJfWGtoUnVNVHllTkRwdjkzN1FDcVA0U2dvY2V5TTN4WkxFSFhhM1BURDFqVU9CSjJzVUtva1RlSV82UGdnRnNiV2NmZE1CXzNrRFQ2Rk14NVlubVZEd1o1aHVKZE02Njc1YnpVZmJBWmdzcG8tX2U4ZWdrdEh4bUFJaHhzWFktTmRlU1hNTGJITmJ4M0RDY2M?oc=5) · Ohio University
- 2017-11-07 [Kingston National Bank to fill empty lot on N. Court - Circleville Herald](https://news.google.com/rss/articles/CBMi1wFBVV95cUxObjZkX25YcW4yald1emJyZXFlTXA3TGRKZ0ItRUNadGlubFZYZk4zNWJsejl1UFpoZFdPSmQtRTA1ZUtzMGJUM0sxeGI1aGl1NXdJZm1qOWZCUkNaVHc3M0RBVUs0Q3hNSGpCOHVBc2Zad1JWakl2LXJ0RkZSUTFkQ0ZPcThWTFFFVVEySGpkRm95VzMwSnY5c3MwN0ZodnFRYWtuVGc3V1ZWUUN4Y2FKLTRZYy1qVGpZZzJxbDhJQTRMRmNTLXRlOGFzRTAzWDRlSXFqWmdSNA?oc=5) · Circleville Herald
- 2023-04-03 [Aces of Trades: Jim Ramsey juggles two positions with an agriculture focus - Chillicothe Gazette](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPcVNrM0RzYzd0a0ppTnJFYWhPSW5yZmFWNnV0YWNzT01nY0JEUHFMLU9ncFBkdVNtRm0zVmJjeTlybmhlM0prbmJZUk1oOW5hMHl1dTJYQ1ZLc1c1ekR2RTk0UnRhYWxBVTFzVGFkZXV1SVdGaV9xRWdZV1Z6VzRvZDhEYXhMc1dXU3drZnNSQTV3VXhrenlqajQ1VDh3S05RUWV5Z21MMnZWSUg2UVNyZmhWd29SWTdxb0lwcG1zdjlfYW5VU2U1YXExWGRva0dPU0pabGdWRUo3Z2k2TkdHdjEtNA?oc=5) · Chillicothe Gazette
- 2020-09-18 [Pickaway Businesswomen Roundtable, Virtual Career Exploration Opportunity - U.OSU](https://news.google.com/rss/articles/CBMiswFBVV95cUxPcjBBb282QnoyeG5SQ1ZSQm5BM1VqTjV2a3UteVA3cFRXN292eHBBdlRMUUhOeUZYc01iWTlFaE84MjJJWHNiZVkyMnhBQWlwcTRQdlV4M2lGNTMxeHVqM05keTZGOE92WGtwMXFHSHNxMHJ1Tmtzb19LTW4zbzR1RHpnamMyNUlDRU1IUy1qejlpNUdwV0NGbE50ejRDMG42OGZwUnpnWGp4S1lTTGxxeUdUMA?oc=5) · U.OSU
- 2017-09-27 [Kingston National Bank Buys Circleville Oil Lot - Scioto Post](https://news.google.com/rss/articles/CBMif0FVX3lxTE5KSV9jQ0NBUU52TkdIbTBjSHdpZy1VNmxNa2NQRzZ6ZlQzek8wbkpQd0xZRTRuSVBrZ3pBczVVbnhtOEdQUVJpTFVSUFNZMnJYNWswX0lHVWtycVdJTEhVQjk1dnd2SDg1b1ZYdmdhTXZ6QWhuM2VWUTYwRGpwLUE?oc=5) · Scioto Post
- 2020-05-18 [Collin Matheny Obituary May 18, 2020 - Haller Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE45LXpEMFVBb2Y1c25BNGlEMzJsRDZRMFRXdUo5OGxzM0NKNzFYdmdENEpEQjFEbnA2Y3hKWDVBQmdjb3hnMjJNNjNjRmt2OU04YnJfT1hBR2Y1ZEtCMEdsUVh6VWZBN0NOb2VJ?oc=5) · Haller Funeral Home & Crematory
- 2022-01-30 [Erin Colleen Doyle Obituary Jan 30, 2022 - Ware Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5kUG1jN3ZaYkZsV3RhdGdBWG9QVGFaTHZaWGZTM3dfOFlXcHQxLUNXZlBkQlRKWmIxRzdRZ0MwZ0pGeUcySFYxQk8tVEhweGduUVJTSFp5Zw?oc=5) · Ware Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6616 (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/24.json (key "6616", 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