# FIRST NATIONAL BANK
ORRVILLE, OH · FDIC certificate 6667 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $545.0M | |
| Deposits | $417.8M | |
| Loans and leases | $412.9M | |
| Total equity | $53.1M | |
| Loans / deposits | 97.85% (p87 of band) | 79.82% |
| Liquid assets / assets | 20.77% (p32 of band) | |
| Uninsured deposits / deposits | 18.93% (p49 of band) | 19.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.76% (p78 of band) | |
| FHLB advances / assets | 10.46% | |
| Tier 1 leverage | 8.60% (p14 of band) | 10.09% |
| Unrealized securities loss / equity | 7.44% (p91 of band) | 1.83% |
| AOCI / equity | 0.23% (p36 of band) | |
| ROA (annualized) | 1.24% (p74 of band) | 0.88% |
| Net interest margin | 3.59% (p54 of band) | 3.54% |
| Efficiency ratio | 55.93% (p18 of band) | |
| Noncurrent loans | 0.35% (p24 of band) | 0.85% |
| Net charge-offs (annualized) | 0.03% (p58 of band) | |
| Reserve coverage of noncurrent | 275.93% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 46.01% (p63 of band) | |
| Auto loans | $17.0M (4.12% of loans; DQ 1.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 106 | |

## 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 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |

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

- 2026-09-10 [City of Ottumwa sells historic First National Bank to developers for $1 - weareiowa.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNMU9vWnhxZFdhMkVkdDN6OWd3TWRJMExiZzN2aXQyNXFzSEo1OThNNldFZWxTbVZqc2VLZVJGdFUtd0xWWkhaVXk5YTI1WER5WjRIcF9LREtRMW9mc1dYRExsQXRDU0s4Z0lfbWlYOThOd1Fmb1ZmZk5yRkFMREJldUVsQzlWV3UyQzc3S1RoSUpJbkVYMGdBenFoWFVjSGhqdEtTeF9GWmVvUGZRWklOZzNCVkJhelBSQ2dFNDdKWjJoN20zczlQUHJKdF9oWkl2bmZUekYyOGZyRkJwSWRZMnJiZFk3WmVTbENCd2thOVh2UQ?oc=5) · weareiowa.com
- 2026-09-09 [First State Bank merger with Bastrop bank complete - Colorado County Citizen](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUVVUT283T3NSdFZxWm1lNzlSdS0wS1R5UlNGX3FTYnNFT3gxWVdGTy03dDUtQmN0eW9yTHd0d0R0ZW43UUpFQ1JBV0E1SGFlUnp3YTFzNDh5MjM1MVg4VkptSXVtc19KR1EybW1lZUV0RWZWLUJsTDJfd2d1aVFEQkxYWFJaNUNrY1BRZDc4bmRuZzJyRVc1TldYWUZwUVBzT3pj?oc=5) · Colorado County Citizen
- 2026-09-07 [Business Insider: First National Bank of Omaha acquires InBank - FOX21 News Colorado](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbnJ5V3gtWnFXZ0RKNkQ1bzdpS1c5MUNWeWUwYnFMYXo2WTBrVGhzam1QNldmWk9BQmF6WnZMTlMxX05XS1dCMGJRYjNrcVdvZ0djMEVuZE1HWUpJX1g4RHFTV3k0ZGVFNmdFclJGdWpXZERNdGNzRVo3SDNXRTBtQUFjZmFWbGt1VTNIRUN1bUh0VzhaV0hNQjUwa0FpaXZIaGlyUGxlZGzSAa4BQVVfeXFMT0NVcHFJLWZZdURqTE5tbGlRb0dFSl91VG1oNmI0cnl3UkRXVWk2S0tNOE4zblg4RFVOM1BMcVRNaVpqVGNvazBCQzU4cmJneVhoYl9wWUF2T1FCYTI3T3g4MnJZV25rS3pDcEowYXdZZ3oyQm51aTZETG16UzJaeTRJWUxVRTVORzdkSjk0NzdpSkJCU09CRHdsNTNZWGcxWEhES3dWZ2NrWlVKdXVB?oc=5) · FOX21 News Colorado
- 2026-09-01 [Penguins and First National Bank Announce Fourth Annual ‘FNB Small Business Development Camp’ Program for Local Pittsburgh Businesses - nhl.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPNEo0UDJRRHU5S3g4RjZ0aEI1V2lHWDBHRVIxaHZCZmVKNDhNTHFEaGN2bEpaNFFjTWpTNkl0RHRLNEJ4NV9mX0duYzNaR2FTVTIyYU1JeWxyWE5sQlZRcmNIeW0tbW96X2JOay0wVkRDRE9wd254SW1RbkNUcnA1a3UxN3ZjTlhVZkppTmR1b2tQOHNFRlB1UmdzSGI1bXZaRkp6RVR3c0ZNaHRNVHdfeW51NjhWc1lmMU9JVl9hb1d6VXpNN09FdzZaM3BSR0w1cE5Cbzg5X2NoQy1zWEk1Tm5mdTFkUkNJR2RKbUs5a2x2blZKWFZuVw?oc=5) · nhl.com
- 2026-08-27 [First National Bank celebrates new branch with ribbon cutting - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY0swM1owcnh1Ny1RNTZaeVFMMlNQbUNzT3B6RXp5NWw4VFZIWDlZbnRpUnR2S2FEZE1SbENYMkE5MzcxQVVONFppRG5MY09JVnpwMTd0LWo3eFJzWFhpTFdYSF84ODl2NndMX1hYemFXS3h6NHQ4bnA4U0k3ZmttMk5FMmxaTjR2eVVva2NNQzFISFQ4?oc=5) · SiouxFalls.Business
- 2026-09-04 [First National Bank welcomes Anthony Cobb as SVP - The Post-Searchlight](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZjQxZUx0OGFrYUVGcXVTVmNDek55a084RFdIMUtUQUtDREJJT0wwRkl6M1BKZ0NBZmlOSUt1aHhTT08zdUdHMFlpQWFpRzRJNzN4LWJqeGc2MFFpNkhNT1VOZ2t1ZmdRajJOZGplU3lZSlIzX0U1TlBCWjk0VjZoQVZBM0RDX25vNnVVSjlFYi1aaVZTTUE?oc=5) · The Post-Searchlight
- 2026-05-14 [We’re ready for more agentic AI, says First National Bank of Omaha - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9uUi1OXy11RTdMejAyRHlneHNXclg3UUt4akJ0RjBUaUhNX1JYSXhrQ3pUZ0xKc19wQVU0TDJfdHBFdm1ub3ZZRkZrTkQ0Q3BZSmhVVF8xRmJUXzUyX0w4VmJOSkJ2Uk56RUNhZkJRb05YaTJqWjJRVmN3?oc=5) · TheBanker.com
- 2026-08-06 [Downtown St. Paul's skyline once again has a fully lit First National Bank sign - MPR News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQOUlsS19neXZVN3lhbUFKZDJmSGdDTkg1Y2ZSYmpWMUF6c0UtNnBlVk5yRUdvNS1LUjVBZFhKdy1XOHVieTZHTXE2ejB2NGh0RURtSmhVWlhRRmZrT1hvQTVKeG5manhCb2haYmpnMkctd3lmRDFCajVLSVpuY0NGWmtjaXNOUmdRc1BVamVUZnVSWVZDdEE4Tnd2TnlNdTlYUGdqM0QzS21SZDV5aFk4UExMLU1raFRCMEVV?oc=5) · MPR News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6667 (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/11.json (key "6667", 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