# SCOTTDALE BANK&TRUST CO
SCOTTDALE, PA · FDIC certificate 10688 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $260.7M | |
| Deposits | $210.7M | |
| Loans and leases | $69.9M | |
| Total equity | $46.7M | |
| Loans / deposits | 32.91% (p6 of band) | 75.88% |
| Liquid assets / assets | 71.09% (p96 of band) | |
| Uninsured deposits / deposits | 9.77% (p25 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.01% (p93 of band) | 10.88% |
| Unrealized securities loss / equity | -1.33% (p36 of band) | -0.66% |
| AOCI / equity | -8.79% (p0 of band) | |
| ROA (annualized) | 2.26% (p96 of band) | 0.85% |
| Net interest margin | 2.45% (p5 of band) | 3.74% |
| Efficiency ratio | 88.04% (p86 of band) | |
| Noncurrent loans | 1.75% (p81 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 44.20% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 6.44% (p31 of band) | |
| Auto loans | $235,000 (0.34% of loans; DQ 6.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **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 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | NIM <2.5% |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | NIM <2.5% |
| 2016-09 | 3 | expense ratio p90, noncurrent p90 |  |
| 2016-12 | 4 | capital falling, NIM <2.5% | noncurrent p90 |
| 2017-03 | 2 |  | expense ratio p90, capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10688 (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/0.json (key "10688", 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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