# LAFAYETTE AMBASSADOR BANK
BETHLEHEM, PA · FDIC certificate 11106 · asset band $1-10B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.58B | |
| Deposits | $1.32B | |
| Loans and leases | $1.04B | |
| Total equity | $183.9M | |
| Loans / deposits | 77.85% (p22 of band) | 90.32% |
| Liquid assets / assets | 30.75% (p81 of band) | |
| Uninsured deposits / deposits | 21.09% (p35 of band) | 27.10% |
| Brokered deposits | 0.37% | |
| Wholesale funding | 4.06% (p32 of band) | |
| FHLB advances / assets | 2.41% | |
| Tier 1 leverage | 10.86% (p64 of band) | 10.33% |
| Unrealized securities loss / equity | 1.82% (p80 of band) | 0.55% |
| AOCI / equity | 2.86% (p72 of band) | |
| ROA (annualized) | 0.66% (p13 of band) | 1.18% |
| Net interest margin | 3.22% (p25 of band) | 3.62% |
| Efficiency ratio | 67.09% (p66 of band) | |
| Noncurrent loans | 1.81% (p92 of band) | 0.48% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 74.74% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 18.85% (p21 of band) | |
| Auto loans | $3.8M (0.37% of loans; DQ 1.13%, NCO 0.00%) | |
| Loans to nondepository financials | $100,000 (0% of equity) (p76 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | wholesale funding >15% | reserve under noncurrent |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 1 | capital falling | charge-offs p90 |
| 2017-03 | 1 | reserve under noncurrent | capital falling |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 2 | capital falling | charge-offs p90 |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |

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

- 2026-07-18 [Cynthia L. Kelshaw Obituary (1953 - 2026) - Allentown, PA - WFMZ-TV 69 News - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQNTdNSlBBRE4zVDVuZXpPZ1g3eHdOdEItWlg4c2w5dWpicXFFTThsOHJpbzJicDFSNDZRUlY1VW1FNVJ3X1dwVmpFdjFvMW1WZHpwZHVkVGZlXzhoVThvT2dPU0dRcjZpcWlnU2dyeURoMC13aXhTVWhubHhLdmhMbFRmX2ZEZU9rZzdv?oc=5) · legacy.com
- 2019-12-10 [Bangor-based Merchants Bank being bought by company looking to expand into Lehigh Valley - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPOG1nUW90MnlwdENNSWMxbDN0am9TMTVyLWtqNTR0VVBFaEN1bjdWVkItc0tkWjRwNldERElFSnRrT0dISjIyMnhoMkRRaGxMdU1HeGxicDZuVmRyQ2d4MXg0aEVEOE9sNWFrZHJlV3ptQ2FNYXhGV0VFS2RXVEgzamJaWFBRb3pZSVlKZVpZUlBucG9JLTJEaXd6ZzlEaXhxNGFYQnI1UnFUaG0xd2huZWJOTjdzUXY0eDlHbEM2YVQzUF9KS3N4b2dPbDFwMjNpRTVvODdR?oc=5) · Lehighvalleylive.com
- 2016-11-10 [John Dittbrenner and Brian Cook join Unity Bank, and more local hires and promotions - The Morning Call](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPWWdlT1VNZzNuVTBTM3lFMndUQ05kbF9iekJQaXVJZXpJMTFSMzR1b1VFQ0NzMldIeWl2ZEVsUEFCTDJibTNvdmt1TGdra2YtUWF1MU9PaV9xSWJTSXpqWWxBc2tNZkJELW9TcFE1dm94cHoyTUpqaW56bC1wQVFMOWZFWkFRZnhxeGZ2VGsxeVZBQTA5Z1RnZlY4dzUycXh6NE5pZi1Pa3FSQmxGeFFGNHVfZENaaThZ?oc=5) · The Morning Call
- 2020-08-07 [Your View by ex-CEO of Lafayette Ambassador Bank: Faculty has too much sway at Lafayette College, crippling its governance - The Morning Call](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNdVRUbk9EMjBqWHVUYWJiSG9NeFduN0l2MGdMRmRCSE91YndXUGh5cE1rckFkdzBjcWdjSTlpc2xtcXdUbDJxM2xPNlRMX0dvU2hmWmtac1FRSGoyeUJQcFhaYnFicUlwanFmcExHZ3Qxbkd1NFF5YjVuU29TS1g4eHpFSTVCdXVpZVNaMXNQMzU2SWI4M29rZ2t1NzFHWWNlejlnc0ZTX0kzTDBEb3JoQkNWX0JFbFhUdGVaMGJVWWZMSWk5TGR4REwwVEllR1JOMnk1ODM3WVBzdlRQZ0ozOTN1YVdYYjFOTFE?oc=5) · The Morning Call
- 2021-10-06 [Craig Stewart Obituary (2015) - Easton, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNazBnbjBMa1k0ZkZCUVREeFQ3ZTZLNU9KTW5OcTFzcGhtclBFVHRLT3Y1NlczcjFiZ1JldHB1aEVhUXViOXpKRFItcUdmZ25DTlA4bXZoZm9QQXlLUGlXU19Yd1NJTXZQbnVjMlRZVjl2dzR2ZEVqTzEzSGh2cTVHbUtWSGg3WkptNlB3d09VanZ0NXVqa2RpdA?oc=5) · Lehighvalleylive.com
- 2018-11-04 [Joshua Dodd, senior vice president and relationship manager at Univest Bank and Trust Co. graduated from PA Bankers Leadership Institute and other hires, promotions and awards - The Morning Call](https://news.google.com/rss/articles/CBMirwJBVV95cUxQY1JQNWFNaU10cHZaWjl5OVhPRldjUHVSNHZ6SkZtbDZ1Y2tLUmVXNHZ3RGdSNXF0eF9mb3YxQTQ3VzhlekM3R0wzV1p5Z3NNb0g0UTlLTE9fSDlpZ2RvQUItVno0Z1gyV093UWpmb3VrdWk2dWZXNHFDYnVGQ1FidU1YQTNvdWJXZjV2VlAwaFF1YkZCZGhEZU9VRE43VDRydnM2MzdPc3JwRWJyVFFaTEdKckkwQS1mSDdoRm1mSEN4VTNJT0J4YmNpMm5ISGNyNGpTdUVQa1NTcE1pZlBtWlFoNklIU2tjNUxGbXBlSG5XeDUyc0lGRUowYzJERUs5VE5kd0lrV1FHWHNfQTJ4eEw0c3ZMdHhyYXJFamw0TGkxTlZXRTJ6cVJUYzVhdlU?oc=5) · The Morning Call
- 2021-10-27 [Paula Karner Obituary (1964 - 2018) - Bangor, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdGpZZnJBb2lNOEFfbTNCdDZ6ZmZZZEV1MEYzUWRCNi1lbkJDWlNIa2ZoQUI5Q1ZXa09fSWtCQXh0QkwweWdZcERvZFdpWXdRUS1pbnNSelFOdnJiR1c0MzN4S1NmXzA0OHBhdDJuWmxtX1VNQWhUbzVlTEhmeTRneWtQMDhOT0s5VDExWlVaMWhxbW52UVdr?oc=5) · Lehighvalleylive.com
- 2024-05-27 [Timothy Kerson Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBvNEhSRHBFS0MybWl0QnNZT3JtVG85S1hzQTVVME05aHV0eGN5T0lIdEVrN3lxZWRTM2V3WHg5YWZHWHNnV1NDNXA3S2lhaGRObWlnOGNwbVRVcjhiS3NwUVZMUQ?oc=5) · The Morning Call

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11106 (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/34.json (key "11106", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide