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Overview / Commentary
137 West Wheeling Street
Lancaster, OH 43130

Standing Stone National Bank is headquartered in Lancaster and is the 157th largest bank in the state of Ohio. It is also the 4,960th largest bank in the nation. It was established in 1989 and as of March of 2014, it had grown to 28 employees at 3 locations. Standing Stone National Bank has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Standing Stone National Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Standing Stone National Bank had $4,000 in non-current loans and owned real-estate with $7.67 million in equity and loan loss allowances on hand to cover it. This gives Standing Stone National Bank a Texas Ratio of 0.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Standing Stone National Bank decreased dramatically from 1.72% as of March 31, 2013 to 0.05% as of March 31, 2014, resulting in a positive change of 96.98%.This indicates that the balance sheet and financial strength for Standing Stone National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Standing Stone National Bank has increased its total deposits by $7.3 million, resulting in 12.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Standing Stone National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Standing Stone National Bank has $90.63 million in assets with $7.67 million in equity, resulting in a capitalization level of 8.46%, which is average.

Institution Statistics

FDIC Certificate #27506
Year Established1989
Primary RegulatorOCC
Assets and Liabilities
Assets$90.63 million
Loans$47.94 million
Deposits$67.78 million
Equity Capital$7.09 million
Loan Loss Allowance$584,000
Unbacked Noncurrent Loans$4,000
Real Estate Owned$0
Historic Data - March 2013
Assets$81.15 million
Equity Capital$6.80 million
Loan Loss Allowance$507,000
Unbacked Noncurrent Loans$4,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets0.47%
Return on Equity6.07%
Interest Income$763,000

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Standing Stone National Bank Savings Account Rates

0.50%-$15kKasasa Saver - Qualifying
0.05%--Savings Account
0.05%--Christmas Club
0.05%--Kasasa Saver - Non Qualifying

Standing Stone National Bank Money Market Rates

0.25%$75k-Personal Money Market Account
0.25%$75k-Non-Personal Money Market Account

Standing Stone National Bank Checking Account Rates

2.00%-$15kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying

Standing Stone National Bank CD Rates

0.70%$5k-5 Year CD (Interest paid monthly)
0.70%$500$5k5 Year CD (Interest paid quarterly)
0.60%$5k-4 Year CD (Interest paid monthly)
0.60%$500$5k4 Year CD (Interest paid quarterly)
0.45%$500$5k3 Year CD (Interest paid quarterly)
0.45%$5k-3 Year CD (Interest paid monthly)
0.40%$500$5k2 Year CD (Interest paid quarterly)
0.40%$5k-2 Year CD (Interest paid monthly)
0.30%$500$5k18 Month CD (Interest paid quarterly)
0.30%$5k-18 Month CD (Interest paid monthly)
0.20%$500$5k1 Year CD (Interest paid quarterly)
0.20%$5k-1 Year CD (Interest paid monthly)
0.10%$500$5k182 Day CD (Interest paid quarterly)
0.10%$5k-182 Day CD (Interest paid monthly)
0.07%$500$5k91 Day CD (Interest paid quarterly)
0.07%$5k-91 Day CD (Interest paid monthly)
0.05%$500-30 Day CD (Interest paid at maturity)

Standing Stone National Bank IRA Rates

0.29%$100-24 Month Variable IRA
0.20%$100-12 Month Fixed IRA

Standing Stone National Bank Locations
Standing Stone National Bank137 West Wheeling StreetLancaster, OH 43130
North Office Branch2330 Columbus Lancaster RoadLancaster, OH 43130
InternetBanking@StandingStoneNationalBank.com137 West Wheeling StreetLancaster, OH 43130