# INEZ DEPOSIT BANK
INEZ, KY · FDIC certificate 9307 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $153.0M | |
| Deposits | $139.6M | |
| Loans and leases | $42.4M | |
| Total equity | $12.7M | |
| Loans / deposits | 29.89% (p6 of band) | 68.14% |
| Liquid assets / assets | 70.62% (p94 of band) | |
| Uninsured deposits / deposits | 19.69% (p57 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.81% (p5 of band) | 10.68% |
| Unrealized securities loss / equity | 10.17% (p91 of band) | 2.41% |
| AOCI / equity | 5.91% (p90 of band) | |
| ROA (annualized) | 0.08% (p8 of band) | 0.92% |
| Net interest margin | 2.37% (p8 of band) | 3.52% |
| Efficiency ratio | 96.39% (p92 of band) | |
| Noncurrent loans | 4.61% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p75 of band) | |
| Reserve coverage of noncurrent | 33.91% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 7.90% (p39 of band) | |
| Auto loans | $946,000 (2.23% of loans; DQ 6.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | NIM <2.5% |  |
| 2011-12 | 1 |  | NIM <2.5% |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 | AOCI drag >20% of equity |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 | noncurrent p90 | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 3 | expense ratio p90 |  |
| 2016-12 | 4 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2017-03 | 2 |  | deposits shrinking, assets shrinking |
| 2017-06 | 2 |  |  |
| 2017-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | capital falling, NIM <2.5% |  |
| 2020-12 | 5 | expense ratio p90 |  |

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

- 2020-09-28 [Ohio corporation acquires Inez Deposit Bank in new partnership - WYMT](https://news.google.com/rss/articles/CBMimwFBVV95cUxQaW1nNGpjNVFKNGFlRGVOYlo5UDVUcE5EVndKa2NHZzcxZFdhR3hiSE5jR3dvWWhkNndIOHJXd1RYSzdGNDJLWEE5Y253S3ZTQTE1ak1Md1d2SnlIQzFuczJ2eVJHU1hMXzVLNk1pLXJmMXo1ZFdSRHZ0dHBJM0RTaXg1bWN1VnFGODhuV2Z6aFBVNWFmTXFSeHMzRdIBrwFBVV95cUxOT3lQdllPVVh0NlNjMWdKbTRfekxxNTFfY2NuNzdaeWtVWW5Pc0V0RUY1SUtoTF9Qbnc2Ql9PZm95VVBwT052QS1HVm9YLTh6cDNmWXM2TEZQMHVxYzhCODcwWXM0VUt1cUVHRzZNbHVucDc3b0V3VnFodmhBeERhb2E1aXNmYnJnZmwtLTdVWkV4X2cyb3BqV0NBZHhYWmhCcm9WanBIWS1hNzZBOEdB?oc=5) · WYMT
- 2020-08-28 [The community banker at the center of the mail-in voting fracas - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxOUnM5WGJJRnpTYWxZTzB2UnljX0cxLW5WYURXLUtrWlBTTHVXVEtlSUpmYzVOeWQ3dmhQZUJUVWo2OHpiQkplMWtUaF9yTFRRX0pMOEJ2N09tQm5rWkwxWmU3UFhLdFBqaEloMHdER211enFsSDlWTGhhX3lOLUZYQUJTcGpJc0xSYVZTd1N5cHlqWEtQc1VwNmpldHA4Snky?oc=5) · American Banker
- 2026-05-13 [Alum dedicated to strengthening the future of Eastern Kentucky - UKNow](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSUJsVGtpYUFMQ0ZPVjZWRl9UeTJfazR3WVFBVGdZZHRUN19CVHEzQVdwOUNFUGpKVWhlTnNnWmNGWEVOOEo0Z0JLRi1YdDJnRk01M1BTa1dYLUp2aHllbHc2LUhxTGFuMDJHZ1B3UGJzcUI5dWpVb2tpN2RkZ29XLTZVOHBMZEN1WTY4MVlaZ1Q2UmVldlFv?oc=5) · UKNow
- 2021-03-02 [Bertha Mills Booth Center for Entrepreneurship Endowment receives $50,000 gift from Ferris estate - Morehead State University](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNek1tNndya3YzRFllWTgtUTBFYVdNcE1ORjJLZ3A2QXF3YUxwTjhvU1AwaDFydVhob2cxY1hJQ1hGbmd6LVhDOE1CQVQxTjg2TUVhWTFra2NiTTFhaTlFRVI1U2FIUVJmM0g2a3BlMUQzaUZKMGpiQXFlZHdlc19ET0tFSmE4U2R3TVZpR2l3YTMweGRPX3g5Mk9fdlFOaVhJanRiWTRaZnVFb2Rsa0ZpaW1OQjh0NTJrQm5la3dyb1NuWGdTOGZlaTNYcTdxWGw5?oc=5) · Morehead State University
- 2020-08-26 [‘Deliver for us.’ Postal workers rally in USPS leader’s Kentucky hometown - Lexington Herald Leader](https://news.google.com/rss/articles/CBMie0FVX3lxTE5pZGpueHhSZU9zQ19VMENsSWpuaU9rMXp2OVd6aGNGLWpsYmhpWV9IeWRYcTkwNGh2VE1XMU1rdGNqMUZ5S3F0WEF1cmRHZWVnaHR5NXc0YVRUcTN4Z2NJRXFHNXRhdTFGVXBJZ2loWTR5b2NxaFdqVUFmONIBe0FVX3lxTE9HSVhMS2ljSUlsbjhyVktmWG96ejhHWVJqcFcwbVdYZXB0WnVCeGszWWthSlZhQU0tSmtUYnNkcy1palNhUWZGNEM1TVFqOG5pSXZZVi1ub05Md2hyZ2dodHpPei1iaTI3UkNwTHNPaU5KX2JvZDZpemx4OA?oc=5) · Lexington Herald Leader
- 2020-09-28 [Ohio corporation acquires Inez Deposit Bank in new partnership - WYMT](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSnlGQWdEWmhlN0ZPV1ptYzVBZUhUQlZLVFpxMEx3NVkyUFFTUHRXM3RvMW13UnBpN3dEaTNXakd3N2FTMlc1QXVLcWRaYXZLckI0dmxldUUtcDZOSWk3TlZqbWhZUU5xb0NXUTZCdEdEMW11Zmo5WTE1R3F5SkFPMVBmb285QTVFTS1VLV9zYXByVHJIaEZjbk5hTzBXVTg?oc=5) · WYMT
- 2016-02-28 [Historic Louisa home badly damaged by fire - wsaz.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZEQ1UHN1MFJMd1ZvQ1RsWnc1dEV0RHlIdWl5NU43UTQtcEhINjZYZFY1MGhyZFB4NTdEOFVHRGM0Z2xHUmhwb1lwR0hpc0VRb0RrR08tTzc1Smt2S3E5NkkzX3I0aTdMX0tOXzI5S05WNnZpdTdqNmFGUUgxcjBXWHdjNWNlSGxJ0gGcAUFVX3lxTE5LUVgyNi1oQ0V6cjhWczlZU0gyZld2QWVZcXFXM0YtVHh6RWJoUkEzSGVBWHZITG5FbGR6c21QMDREaFJTbVlQOUprRWJ1UVdfTlJSWkYzWWxwVGg4NUpnVXhGYkFwaHBRTG5EX3MtNlZ6ZUZmcjladDV6SkhPT2NKUjgzU25kVXdFNzdOSEZWd2xwVjl6UTZFYVpHbQ?oc=5) · wsaz.com
- 2018-08-12 [Get to know ‘Rising Star’ local attorney Zachary Horn - State-Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxPT0JYLXFyWFNMZGFUSUxrYjh3cF8tdDNGUzRZeHF6OXllV1BFV1FkaFlwWXM4dVd3OExJTGh6cU15MVFnWlM0SXk2TnBmNl9KMUJGSG5GSHRuaU1lX2xKRGREbkZpX1k0Wjd3b2lmVXdiNWlsMHRZTzluUGlLYWR5dzhNdGYxUEFmbWRCNWRRbHh0Rms?oc=5) · State-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9307 (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/27.json (key "9307", 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