# PATASKALA BANKING CO
PATASKALA, OH · FDIC certificate 9440 · asset band <$300M · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $39.3M | |
| Deposits | $36.5M | |
| Loans and leases | $23.9M | |
| Total equity | $2.8M | |
| Loans / deposits | 64.90% (p38 of band) | 72.07% |
| Liquid assets / assets | 33.52% (p49 of band) | |
| Uninsured deposits / deposits | 6.88% (p7 of band) | 18.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.38% (p20 of band) | 11.60% |
| Unrealized securities loss / equity | -44.15% (p11 of band) | -10.38% |
| AOCI / equity | 7.39% (p77 of band) | |
| ROA (annualized) | 0.45% (p25 of band) | 0.91% |
| Net interest margin | 4.20% (p74 of band) | 3.54% |
| Efficiency ratio | 84.38% (p77 of band) | |
| Noncurrent loans | 1.50% (p84 of band) | 0.27% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 51.25% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 24.96% (p57 of band) | |
| Auto loans | $1.0M (4.24% of loans; DQ 0.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | deposits shrinking, assets shrinking |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2013-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2013-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2013-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 7 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 6 |  | capital falling |
| 2015-09 | 4 |  | deposits shrinking, assets shrinking |
| 2015-12 | 4 | capital falling | uninsured deposits leaving |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | capital falling, uninsured deposits leaving |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 3 |  | capital falling, uninsured deposits leaving |
| 2017-12 | 2 | uninsured deposits leaving | reserve under noncurrent, losing money |
| 2018-03 | 0 |  | expense ratio p90, uninsured deposits leaving |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2018-12 | 3 | construction >100% equity | uninsured deposits leaving |
| 2019-03 | 2 |  | construction >100% equity |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | noncurrent p90 | expense ratio p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | leverage <7%, capital falling, expense ratio p90 | noncurrent p90 |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 6 | capital falling, noncurrent p90 |  |
| 2021-09 | 4 |  | capital falling, noncurrent p90 |
| 2021-12 | 5 | noncurrent p90 |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90, losing money |
| 2022-06 | 3 |  | leverage <7%, noncurrent p90 |
| 2022-09 | 5 | charge-offs p90, construction >100% equity |  |
| 2022-12 | 7 | assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity, charge-offs p90, construction >100% equity |
| 2023-06 | 4 |  | reserve under noncurrent |
| 2023-09 | 4 | reserve under noncurrent | assets shrinking |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |

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

- 2024-05-14 [Peoples Bank of New Lexington will acquire The Pataskala Banking Co. - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNcncwTlc3TkhTWUlKVFM1Rnp1X2dxLVNzY1o3d203dXdXV3ZYZGVQSndNOTNpNDM4QTMyZHV2SjhjRk8zb3lFenhhYlpOU2hsVGw3MVl3ZlVkVk9IMTJKNmpDNUdjTjlGNjN4QzFQNzdrU256YjVzU1BrOExLTC12WXNGTnJyV1VIYi1vQk5yZjh5dnV0U29vUllXUktBTllQOE5RRWJBQTVYS1Jqd0tJdW5yWk9ZX00wdUkzam5nbmtPQQ?oc=5) · Zanesville Times Recorder
- 2024-05-14 [The Pataskala Banking Company acquired by New Lexington-based Peoples State Bank - The Newark Advocate](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOekhtWEkyODZrc2s0M3haTll0aUFETzRUU2hTeDhFc2JVLTdOMlJ3QVJrTlRyOGZ5ZHJFYlhJMnB0TW5ud3ZIVFNtSTZHZFg4dlRCaXFCTGVLZXo5M3lWOVNybTA2cG9CdS1XbkRyTGdHSlRuUkl5RXFXY0RLOWxVakhVRFI2c3N0bml3Wjh2ZGVMWDUxbWt5d1l1RHJHZTVkMUd4UWdRZzVIREEzSXY2N0JCVnZRcHBIb3pSZUlSczB4aGZnOHk0V1FoVC1WSExPSjkzMVcyWnRfQQ?oc=5) · The Newark Advocate
- 2018-09-12 [Pataskala Banking Co. celebrating 130 years of service - The Newark Advocate](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOcFFDLVQ3Wmh6RUJXMEl4STVsMDFZczI0dDFFSk92VmswZjFiU2VvQ2FkQ25mQ3lhbEdLTzV4eFpiNXhQdDBBdGlwRkN5cmtlR3RNSTBkd1ptTGI1dUdpLUdjcWFXU01lWkhjM0JzdFRTaEMxdDN0SEhrek93SHM2OXR1enJDa1M5NXRvTmduV19rVndGdW1CUUpiRUxVb3p1dkVlUEpGbTBwVWJPbDQ4bXVNR2tlaWU1Q2w0S2FnUWNiZ2s?oc=5) · The Newark Advocate
- 2013-03-22 [Pataskala bank celebrates 125 years of focusing locally - The Columbus Dispatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxPMVZtWlMxLXYxY2tULW1VSm1DVTFZZUk1MnpKUFNpZG5lUmlqZ2xqUENxc1hCQ1FBcHJaQWZUUW5rRHNhcDV3aVNab2J3bUt2cXBrV2dIb2tLVG9rS0lrV0tSV0t6SnlXV185ZDBZcEFlNjNFRHhEVmk4LWNweVp1MEJtbzJBRDlvOEctbm1idTNRUU1uWkExbVlCS3VqZllE?oc=5) · The Columbus Dispatch
- 2020-04-07 [Central Ohio banks exposed to $739M in small-business loans outside the stimulus, SBA guarantees - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdzJSQTBOWVVydzJIMW5HSWxRRWZ3WFA2bWotaHY4NE9pd3lqcm1hcFdPV1BmRm4yRDlqWXBlTm9NYTh6bXplSFZSS0ViVTdGVXdiZ25rZlVpa0NCRW5HbWZxMWNCdGFVZmVqNXdwcW9BT1BkcWZzQUNqLUtUOXlxZHNxTFU1Sll0Z3ZrVkVkdnNLNmFzbDdLaExSRjJ3Y3dfaksw?oc=5) · The Business Journals
- 2019-07-03 [West Licking Historical Society teases 2019 garden show offerings - The Newark Advocate](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOOWVfVGRLVHpFLWNVR0Z5RlNjdFNDUWlVc2JUeFZpZzBCTFFfTE5teUNOVll5WjczcnkzQlRQVTQzb2pYYkg5amZESzJQZnhEWFByTm8tRkxJQ2d2dEJwMjExbzVRbFJsQjVwN0t2c084bU0xb3dQWHMzVklqLURVTWtEYl9ZQmJrVEsyRmRXMTQyQ01uNHVoaWdoaWp4LWtuLUk3ODM2MXBVZW1kOWVGbzkwMzJETlQ4TjRrWFNmZzVkeFJFT21sclFNRnl6VklWc09BRHd3?oc=5) · The Newark Advocate
- 2017-09-19 [History-themed walking tour returning to Pataskala Cemetery this October - The Newark Advocate](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQT2tLdEJSS3N5SHM3UGtGakgzRjRTZXpZaEtxVHdNQ3VWRndMdnhHb0t4T1ZLdmN3UVBxZWlfdmJkRjFhbmdTdjVuOGMyV1o1U05uVnJLeE1jOGRIT2g5U3RyVERyM1dybS1WbHpoM0FjMVdCRFdqYkk0QlpvWEZ0RGpTY0xsbWxuUEY5anJFTHVOQUlOZk1GYmJSUzhkZEs4cnQ2a2Z3eWJZcWhQZWJoRUJOZnB1bDhkNFJFOXVGT1RnMEpWOTA1Q1lHTmJsdXBzU1pxRlNRNTZ6WFFJ?oc=5) · The Newark Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9440 (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/32.json (key "9440", 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