# SOMERVILLE BANK
EATON, OH · FDIC certificate 6700 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $290.6M | |
| Deposits | $260.7M | |
| Loans and leases | $200.1M | |
| Total equity | $23.0M | |
| Loans / deposits | 75.93% (p55 of band) | 73.59% |
| Liquid assets / assets | 28.47% (p40 of band) | |
| Uninsured deposits / deposits | 10.96% (p17 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.97% (p59 of band) | |
| FHLB advances / assets | 1.97% | |
| Tier 1 leverage | 9.54% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -25.75% (p17 of band) | -6.57% |
| AOCI / equity | 2.27% (p99 of band) | |
| ROA (annualized) | 0.74% (p27 of band) | 1.17% |
| Net interest margin | 3.34% (p23 of band) | 3.93% |
| Efficiency ratio | 77.73% (p75 of band) | |
| Noncurrent loans | 1.10% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 99.59% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 21.90% (p56 of band) | |
| Auto loans | $1.8M (0.89% of loans; DQ 6.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

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

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

- 2026-06-03 [Longtime Somerville bank CEO retires after 34 years at the helm - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWDNCaTE1Q1dxTmFQUTl6MG5kNUZ3b29YcGQxNGwySThKMk5LcVMzbEliR0VtUkR4bXd1aDBudm9pcGF2dmd3bEoyQlZ2eDVTeDJJNmgtRnJPTFdPaHFkOVF6aXY0ZWpaZ09xR1NEOTNwWExUeGNXV2QtSGxfWmVRUDBnMU41Vm9mRnBGMkN5LWI1clF3cWJkY3BPM1hNYzA?oc=5) · The Business Journals
- 2019-05-02 [FBI Offers $10,000 Reward for Information Leading to the Arrest of Somerville Bank Robbery Suspect - fbi.gov](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNd3o5RG9Md1A0Tkx1dVhaeW05VnFqa3lEZGE2MHBzcUNwV2VNNnRXUEx5Wk9pdS1FZkQzampRczI0Q3JvVTZrcVh1aDBiUHVjYlFFRDEzWjcyMUdhMGFha2V5OFp2Y2JVb1gwcl9aelJxZzh5aFdsTTd5M2s2ckhGWm5jSkVFQk81eXFJMm5ETGU0R3VnZWU4WEdRQmFJdndUSE5RVjZxb1dZOTRxX00wVWZFTHQxaDFTaW0tZklYYm1KRzhVY2dzNDlPblozWVlXUTFBYm1teldBcllEd0lSSGhDWldVa1lLR2tiRktmaE5XNmhfdjNGLUZrb2k?oc=5) · fbi.gov
- 2024-01-05 [Ulrich named Somerville Bank CEO - registerherald.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeEVseU5KRElaMVZ4TkVpNXZlRFg4c3NsdFQyRTdHZ0dXZmxTa3dDQ3Q2SktVM1pMbFVYdmttcGR0YjFSb3RidGRDaE5nR0FKNmc3NmRkT0E0dHgyZGhtWVFxQjAwa2pCNVlHdGhfZWFYNnUybVQzV3luWmc1X0U2OA?oc=5) · registerherald.com
- 2024-01-19 [Somerville Bank names new CEO - Journal-News.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPM185eXFRTG4zOTRzNXZhLXB0dnd4bVhtSzdhY2xRRjN4b25sdmNqeGxSUnJibVF2SnpnWDBFZ1h6TzNESXo1QUo5YkJPVTlRbElzbGlvVnNkSV9pM2xSWGh4WnBRUVlwdjI3TEhSVFdOR0lvdTFUSHBZVHVjVUZ6S3pzUUtuT0F5bUM5dTA1aHNORFNZOW5kMFpsaGY4enRRZjZkSUFaUkt0SXp1MGRMYXVybw?oc=5) · Journal-News.com
- 2019-05-09 [FBI doubles reward in search for Somerville bank robbery suspect - WCVB](https://news.google.com/rss/articles/CBMivwFBVV95cUxPbkJuTlBiSFA2VklTdGQ3MkNwbEV2ekd6MFgxYVNMNkJjc0VqY2dnRHI1V2VXM29aQjFTWjEweFdaRlUwSWVJUEx4SXVLcG5iMUVjQmQwZGE4UF9nOGt2NEJTeGFueERCWlhLbjZFWWtEYzlibkhOVHVES1huODFrYXVUQmRsRFAwblBSZW96eEc2UUU4ajg5dGc1X1pjeFpXTl96YU9YVGhBRFlHUG51ZDByR0ZiZWJpYnFadGRJcw?oc=5) · WCVB
- 2019-05-02 [$10,000 Reward Offered For Somerville Bank Robbery Suspect - CBS News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeUZHT2VsTWp1ZXRsQ19nZXl5Vk1GSUlCbXc2ZHJ2NjdTMVVUaFY5cXByTmw1WkZxaHh1b3lsa0FaOHpWMlBzMEFTdWdwUkVMNWQ0NnRCbU1xaW52T0NvQlBSemYxc3lHQ0N1U2ZGUTM3LXZjV2VuUWdydmZXbTNqcnRRZEZxQW05V0o5WVcxbVZ3eFhOSC1j?oc=5) · CBS News
- 2019-05-02 [Search for ‘dangerous’ Somerville bank robbery suspect who exchanged gunfire with police continues - MassLive](https://news.google.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?oc=5) · MassLive
- 2019-12-26 [Bridgewater NJ man charged with Somerville bank robbery - Central New Jersey News](https://news.google.com/rss/articles/CBMivwFBVV95cUxNMWRsMnJubkpXMTZGTnBiSFZWZzJ1NG5DUVQxdzZJMjNhNTNJNzZoSjg2ZldMalhFdTNxcGotVzJJNDNBTFN1RVVQT1pxQWRUemNJRUpLb3hkTnBzeW1zMDVNQnhKQWtKTzVXS3ZQWGU2SUFkQlpTaEVSemtmc1Y4QnhXcDRBUlpWRlhQaHVtWmc2X0dGMXhCUGVfSV9YUW5pTWdtbjVMT2RScDVBanc5TUcxRF95NTFBdUhxZW9Wcw?oc=5) · Central New Jersey News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6700 (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 "6700", 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