Standing Stone National Bank

Standing Stone National Bank is headquartered in Lancaster and is the 178^th largest bank in the state of Ohio. It is also the 5,557^th largest bank in the nation. It was established in 1989 and as of March of 2012, it had grown to 32 employees at 3 locations. Standing Stone National Bank has a 5-star health rating.

Standing Stone National Bank Routing Number: 044102647

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Data for Q1 2012

Institution Statistics Standing Stone National Bank FDIC Certificate # 27506 BankRate Report View Year Established 1989 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $77.69 million Loans $43.69 million Deposits $59.28 million Equity Capital $6.79 million Loan Loss Allowance $525,000 Unbacked Noncurrent Loans $65,000 Real Estate Owned $47,000 Historic Data - March 2011 Assets $77.32 million Equity Capital $6.42 million Loan Loss Allowance $471,000 Unbacked Noncurrent Loans $102,000 Real Estate Owned $47,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.55% Return on Equity 6.45% Interest Income $762,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Standing Stone National Bank had $112,000 in non-current loans and owned real-estate with $7.32 million in equity and loan loss allowances on hand to cover it. This gives Standing Stone National Bank a Texas Ratio of 1.53% 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 slightly from 2.16% as of March 31, 2011 to 1.53% as of March 31, 2012, resulting in a positive change of 29.21%.This indicates that the balance sheet and financial strength for Standing Stone National Bank has improved slightly in recent periods. Deposit Growth In the past year, Standing Stone National Bank has increased its total deposits by $3.15 million, resulting in 5.61% 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. Capitalization 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 $77.69 million in assets with $7.32 million in equity, resulting in a capitalization level of 9.42%, which is average.

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