# ST HENRY BANK
ST. HENRY, OH · FDIC certificate 9871 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $435.6M | |
| Deposits | $384.5M | |
| Loans and leases | $247.9M | |
| Total equity | $47.5M | |
| Loans / deposits | 63.61% (p17 of band) | 82.04% |
| Liquid assets / assets | 39.62% (p82 of band) | |
| Uninsured deposits / deposits | 32.34% (p73 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.61% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -25.52% (p16 of band) | -8.10% |
| AOCI / equity | -1.39% (p14 of band) | |
| ROA (annualized) | 2.57% (p96 of band) | 1.28% |
| Net interest margin | 3.90% (p49 of band) | 3.91% |
| Efficiency ratio | 34.68% (p3 of band) | |
| Noncurrent loans | 0.10% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | -0.08% (p1 of band) | |
| Reserve coverage of noncurrent | 1320.08% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 39.90% (p47 of band) | |
| Auto loans | $824,000 (0.33% of loans; DQ 1.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 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 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 1 | capital falling | uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2026-06 | 3 | uninsured deposits leaving |  |

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

- 2026-09-06 [Who’s Hot…St. Henry’s Langenkamp, Performance Worthy Of More Than Mention - pressprosmagazine.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWXJMYlgxbFJsVGNzUmRObU5fZk5SbXREVmlva2hSQl9FUWtkS1F0V3ZRcXAxRjBrdHYzOHY2T1BsbzhtaDhTbE4xZ2V0Zl9PZFhCUjFkS1djc3VMWTEzN2JUVVpLclhNZ05RUWZtUXQtS0RYSElob0luRG5xczdnUTFKR1pMV1BUcnFoMmZUeG80SzdpZkl6YmJpTUtkemRfS3l2N3dQXzVOV0NRQ0s2eg?oc=5) · pressprosmagazine.com
- 2026-05-05 [Bradley D. Hess Obituary May 5, 2026 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE52S0VfcmR2anJhdzFxc3lpeXVWX1Q5bGxKZ3BzaEFGcFdRdG5zQmgweklFZkRyUjZJWVJwVGpvZjVZcnBZVEV6em8tVjZuLWRPNDl3UUsxRXhKdlFrRlkzTw?oc=5) · Hogenkamp Funeral Homes
- 2026-03-15 [Who’s Hot? St. Henry Girls Basketball, Of Course…. - pressprosmagazine.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQNktYb3A3czM5VEQwY3REMlduMURoSlQ4Sm1tck5DQ3NoYVZ6Y1c5TS1wUlpacGZZLUI1M2xYdEZLalhYbkE0ekh3bVIyWUFtYTlJWTc5M0R0M1dFMTlxU0JuS2pNTzhseVB4cTlqaF9YX3lQbXU3SjB1Ui1lYnlXY1RndDhLenpvLVJsczJtbw?oc=5) · pressprosmagazine.com
- 2025-11-30 [Who’s Hot: History, And The St. Henry Redskins - pressprosmagazine.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxObWU3TEdPbHVBNGM0Mzd6ZmpuSm8zMWNOMHpRVlU4cGdERTZ2YWhLVUNsZUpyWHY4cDgtTlIzejVPQ1NMTUZqdjlZZXVhMXJLZWt6OWZXdEV4V2NNSl9oQ3VHQV9LaExmTDlTb0hTd05xUUtONlFxSVRrQVJzemgybTYxTzlPRGIyUkdyVw?oc=5) · pressprosmagazine.com
- 2021-10-27 [John F. Romer Obituary Oct 27, 2021 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5jazVGWWpmQV9kcUNNOHFDcVNOOXJKdnNlWXQzT3k2N0UxTXc2b1VVTFNhYXBMamY4T21BRU5HZGI5aG5UM0dnbmpKMm9rVVhZODRZbTAxeS1fU3JiNFE?oc=5) · Hogenkamp Funeral Homes
- 2022-10-24 [Carol A. Wehrkamp Obituary Oct 24, 2022 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBWMGJMeFZ3eHBZQlJ4T3hBbFdqcnNONGJBZFNZVmZnck90QTdoNEJTaGxoT1BxU0d4cmFVenhaeVJiN2llUXpsUXRSN0lPd05wcEFMOHI1NnRzNGJKclZnRFY3SQ?oc=5) · Hogenkamp Funeral Homes
- 2024-09-01 [Who’s Hot: Rya Buschur, St. Henry High School - pressprosmagazine.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNUUV4VjZEc0pncnVERkVyT0RnQmdnT0NpVzJ4SE9KdDdTdS1uMkpmSmJNLUx1V3FFdUFzaVR1WnpOUUZYNzU5NHItcER4RjJ0bERUTElJamxXRGNLTlZJNUxYbGxVdnVYSldnR2JSQllYVzJTdEx1WjUwa3dTM0tRZ2Rsb05rb2Fudm5v?oc=5) · pressprosmagazine.com
- 2020-08-27 [Elise M Tobe Obituary Aug 27, 2020 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBvVEFLczY4MnJqNGc2R3BqVWpBdklXam1PaW50Wmh4anROY2pYRzF4b091cjRxTFMyOTZ6LUdja3dINVNIMnJQNWhGX2dsSHBnZjY1NFc5clZpc3h3TlE?oc=5) · Hogenkamp Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9871 (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/15.json (key "9871", 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