# VINTON COUNTY NATIONAL BANK
MCARTHUR, OH · FDIC certificate 6636 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $1.59B | |
| Deposits | $1.39B | |
| Loans and leases | $1.13B | |
| Total equity | $167.3M | |
| Loans / deposits | 80.39% (p34 of band) | 87.10% |
| Liquid assets / assets | 26.17% (p67 of band) | |
| Uninsured deposits / deposits | 30.92% (p50 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.91% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p50 of band) | 10.50% |
| Unrealized securities loss / equity | -16.12% (p26 of band) | -7.75% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 1.29% (p54 of band) | 1.26% |
| Net interest margin | 3.88% (p61 of band) | 3.70% |
| Efficiency ratio | 59.15% (p51 of band) | |
| Noncurrent loans | 0.27% (p30 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p68 of band) | |
| Reserve coverage of noncurrent | 378.08% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 78.30% (p78 of band) | |
| Auto loans | $150.7M (13.31% of loans; DQ 0.46%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 244 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 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 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | securities losses >30% of equity, auto book souring |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | auto book souring |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2018-04-26 [Ohio Secretary of State Honors Vinton County National Bank - woub.org](https://news.google.com/rss/articles/CBMikAFBVV95cUxPMks2eHFKOEFENkNkR3loZ1hhc2xFZjFoWEhTNVRIMGl4VDZyZFBIWVdTZDlqdTM2R3Q2dkQ5WXVrWV9zekJCbXlrWkNiSWR6eEwwa2lKWlFnWkNHdElyME5PazdFSUdxVmNkUFFFdDd5b3BPZnZrOFl2UExQazlIa18xYzJGV1hDM0l0SThrdnM?oc=5) · woub.org
- 2017-07-24 [Vinton County National Bank celebrates 150 years - Circleville Herald](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOS1Z0X0pRMW5JNW5EckoyRExrbFBTeVU1aUpEcTl3VnpOOHFUT0w1T0VFSzFadDFKOE5ZOXp0XzdCMFFnT19XTFE2bFRWRnZpdEVmM0FXR2RkcjROLVN0dTFTY3ZLRjdlZS1VUnJfOXFydVJTVF9rUUw0bS12ZndmSGdNbXc5XzcxWkozRGdwY2czckoyM3BkY05tLXJ0UThSbjZ4OGFLQVAtdjY2X2E3VlNQeFpRUHBGeTgtV0k1cndJaFkwNlBsdTVCQmY4UGJxQXcw?oc=5) · Circleville Herald
- 2022-09-27 [Community Bancshares, Inc., Vinton County National Bank Complete Acquisition of Citizens Bank of Ashville - The Telegram News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOV0JlS3FRY1N3VVAtVU9tcWt2RTM1NjBleVJydHlETm9BTVZpMWlNcHdrNDQybERMS24xYkRBR3BMRDN5bnlGamUybFNwZjIzSDRBSXpwT3lBalVkb3h0Y3FqZmlUai1IX0Q3cUFhSkQ5eVBVRkxTQnFnZFRWSXphNUFFa0tLUmpGTHNpSmptUThZR0RCYUlLMWJ2ZjR1bEU4ZF9rWXdRVUFuY1cwbFBqVHI3bFJfbHN4QXVoUHNINGRENGplQ3dZZzRhU0RHdjZ2WlkwZWhNWE5qLXJC?oc=5) · The Telegram News
- 2024-07-30 [VCNB hosts free ‘Back 2 School Bash’ - woub.org](https://news.google.com/rss/articles/CBMicEFVX3lxTFBwTnlSdVVIUllHUTU1V0hoVm9rVkVIQ3hyUGZvSG9vMEVqZlVNV0pmNllWY1JOeVk4M2JpamUyOExkTjVvSjhYSk5OOXJBd19zWGExbUhXU2VUMGEtYXZ2Unk4QXNRLTdTa0JyM0tuaEY?oc=5) · woub.org
- 2024-06-14 [Fairfield Federal partnered with Park National and Vinton County National banks for AED donations - Lancaster Eagle-Gazette](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNUTN1c1d3YXJvQjZQVVB3RDVUcmlIS25US3gwc2VPQTlxMWNZX2lIdjNReTA3M2ZUNmVfeGZaNUJpNWE1elZDSkhDUjF3UnRVTjlSWHZMVVZyb29wM3M4bXRBajhyRWY0VDlkS0JWcVF4ZXdGT2ZBZkFpYmk1TkpEd1lXZGs0eWlrMlliY0F0eFJUY1NqN0o4VEZYX0g3NFBpdTRPaVl3cXVxRHNCeXI5QWQzYnZQU2NwVVNBNzBjNGFwdldrZmY1YW9RUm9JYVdzR012OE95S24zdVJENzN1NA?oc=5) · Lancaster Eagle-Gazette
- 2024-12-02 [New Vinton County National Bank building opens in McArthur - The Telegram News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZkdNeUFtX2RLRXhFZWlPSXZEdE9sNHo1SVVlWTBDYTg0TnNvNTk4MkY2aTA3R1QxM0NudFgzNTlraTJuaFFlZzF6UmFyV2tqVldIcGRVVGZHZWU4SG0xcHhWN2RCeG1IeHY4SlUySG1rQXM2bDVqZ0lQY3dwb1VfY25YRGtieFNEQkloRG5rWnhQaHNlRFk3NjhodEl0RlRzaWc?oc=5) · The Telegram News
- 2011-10-04 [Dorothy Eleen Scott Obituary - Visitation & Funeral Information - rutherfordfuneralhomes.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1ZRk5sSlplNUVlYm1HNjRXOHN2NVhHQVAtRnl2OTExSXRIM3BKdERZckpRSWFXUVktenM0OU1xT0xxWTVkejY2UGEwZFJ1VlhleGpsLUM4c1M2eHo2X3VFU0pXS2tERkY0LWJOb3o3YS1sbWQ2Yk9WemNmVUU?oc=5) · rutherfordfuneralhomes.com
- 2015-12-04 [Reward, manhunt for serial bank robber - WSYX](https://news.google.com/rss/articles/CBMinAFBVV95cUxOVGhlSmF5X3RaTzl0UURrMzFOTko5b2xiYVdDa3pTMW9PQUZDekFRV05TclJGZkQ2MVpiMkdoeHI0QUhoWjVPSTRULWFWNzZMbnpIMDdGRGdmZUtPRVNScDE4Y2JJaU9odmpZeDZ4MFE2LXZFbGxJVmFMNDVnS1JyUFBZallxOVBIenZKdUVBUWxSSGF2bHk3cW9hSG8?oc=5) · WSYX

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6636 (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/44.json (key "6636", 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