# BRYN MAWR TRUST CO
BRYN MAWR, PA · FDIC certificate 11866 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $5.04B | |
| Deposits | $4.22B | |
| Loans and leases | $3.51B | |
| Total equity | $654.9M | |
| Loans / deposits | 82.38% (p70 of band) | 73.47% |
| Liquid assets / assets | 20.15% (p18 of band) | |
| Uninsured deposits / deposits | 44.84% (p73 of band) | 33.32% |
| Brokered deposits | 0.90% | |
| Wholesale funding | 1.33% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.89% (p60 of band) | 9.53% |
| Unrealized securities loss / equity | 0.00% (p62 of band) | -0.38% |
| AOCI / equity | -1.37% (p55 of band) | |
| ROA (annualized) | 1.29% (p58 of band) | 1.21% |
| Net interest margin | 3.23% (p50 of band) | 3.23% |
| Efficiency ratio | 68.41% (p78 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.34% |
| Net charge-offs (annualized) | 0.06% (p80 of band) | |
| Reserve coverage of noncurrent | 482.94% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 31.92% (p37 of band) | |
| Auto loans | $497,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 525 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | wholesale funding >15% |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | wholesale funding >15% |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 2 | capital falling | loans exceed deposits |
| 2015-03 | 0 |  | wholesale funding >15%, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | wholesale funding >15%, capital falling |  |
| 2016-03 | 2 | loans exceed deposits | capital falling |
| 2016-06 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | wholesale funding >15% |  |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | wholesale funding >15% |  |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | wholesale funding >15% |  |
| 2020-03 | 3 | capital falling, losing money, charge-offs p90 | wholesale funding >15% |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2021-09 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2021-12 | 2 | deposits shrinking, assets shrinking |  |

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

- 2026-02-18 [WSFS sells former Bryn Mawr Trust headquarters for $7.6M - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNWlRnc2JJNmVvWnUwak1MdFJyWmg5am1JY01fMVpBT1hrenJ0SUpUYUdvOVllWXZDbmhKdmJLa2s1cnNFRnBNM21EcktFcXltR0RndXhxX3dsZmR1OGU0WVBPem5ubTlTakdZU2gxbWMxUlg3bDBuUWlGU19IRk1JV3dTT1BEYXdaREJ1RTJfZmpudk1qWjBMRUdqOGtJTXVQUFNr?oc=5) · The Business Journals
- 2026-02-28 [Main Line Landmark Gets New Mission Under Local Investor - MONTCO.Today](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1XcE9RX3ZSM3pUX3gyMUVDRlM2cENpSmh1N3czSDBURUc0VUhGZm1ZVkdIU24tXzM0VndreVV1WGFTS3pyX2ItellpTUx4NUY3MmxhXzdkQTdGbWtDS01TMg?oc=5) · MONTCO.Today
- 2020-01-31 [Ex-worker hits Bryn Mawr Trust with whistleblower lawsuit - Delco Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSHpETXhuWnV1eXNTNzQxbllOeVVhWjduZ1pBYkQyOURJOVJNWll1VzNLVmZCRnZMY1lFYmtTZDJIOGFrU2JNSm53MHVZdXpiSE9YWGdrdFBibGtEZ1h2aW5FSGxleF9EaVhQelBXcldZSUt1VVAxakQ1Tm0zTDNubnRxaXJmRmc5ejNVeXBiNmw1QnEwcmc1dzBjczY?oc=5) · Delco Times
- 2016-10-31 [People on the Move - Inquirer.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1xZWZGZW1Ja29ORTItR3dkR2NKT2ZyTTJocFZUVFlWSlV6dVJOTDJZZ2VRcUtITXlsSGhzTTRlOFhHQk42Tm5GR3pOdXNYQWN5THZ0NnhRZXhkeVc5MWdCTGxhSUw5U3FyaWJ4RkFtRHlYN2ZUNXR2cW9EWDd6UQ?oc=5) · Inquirer.com
- 2014-05-05 [Bryn Mawr Bank Corp. will buy Plymouth Meeting-based Continental Bank for $109 million - timesherald.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQeURuNWdjMGRqOUg0M3dFN3Q3RzFhQ1ljSk1kLWx6T2FaN2k1YjVIVVh5bE5DZ1lUZUdlUGJSUWJJVGF2b2VyeVRKelVuekhEal9NczRwZUpEYmh1OTNielpFb2FxSGZhMnU2TW9TeXVJa0gwV1hSSmF4TXktZFRsUnJXeUN4TUdxN28wUjhadDF6ZnJHbmNLV1ZvWGdLODFoNDloWUpBdjZ0Vm5lSUF4bzVjQ1RNMU45ajJROEp6X184Zw?oc=5) · timesherald.com
- 2012-02-09 [Where Boston Private Financial stands after selling one of its last original acquisitions for $10.5 million - RIABiz](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQZl9Idl9ycTByV1BIN3RoZWxmaEExSlRvTmZoSUl5V3JtbEdvTEFpQUl1Tk1vdlgzeEJxckVPSUxiQVE2QnBKeXlkRFQ1REtJVnItXzJRRm5Bc3o4MW9wTTJGWHpNQy04OWtDQUlMU0NmdXI0YXVBUTRnR3ZHZzR4OC1IaFpxQTg4VmY1c3ZiaVU0ZzN0YjJSV0E4dFNBOEV3UEtLQ19tT3Y2QWQ4SXVubjE2WUZzYkk0ckZsWXphN1Q0djUyOVhQbHM2MnRnQk83?oc=5) · RIABiz
- 2022-01-03 [WSFS adds three board members as Bryn Mawr deal officially closes - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOZ01HSkJhdEhCWTViQ3JGY0pvaFVVQXo3VDZkUXVhOGNvbWw5cTltOWpQcE5ILXYzRTBnT3dhQ1hwUm5pTXRpSmkyV3JPUW1JUllPQUM1WUw5aGRkUXNib1ZFeWpONlF4dWktUjZKNHJ4YWF6TGYzVEZ2a3dTSWdmRkU5U0libTBCWHdyZ0Z2WmV6bTFuekVwMHFibXFWQjRYLUVyYXF3QkUzNjRY?oc=5) · The Business Journals
- 2024-09-09 [First Bank Expands with New Branches in Media, PA, and Trenton, NJ - centraljersey.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5uWERhLVlXLUsxWkFORDJSRmhaWXdQWnBEZnBOU2FjdXR4cFdBbGNXUDlrMDZoemI5SG9IUnhhR05VZnM1cG80M3lVbVdKb091T1pBMlpwYWNsakdKTVBGV2RxOW9DTEJwX0VNQ1lKMVFocjg?oc=5) · centraljersey.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11866 (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/26.json (key "11866", 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