# RSI BANK
RAHWAY, NJ · FDIC certificate 12017 · asset band $300M-1B · latest filing 2022-03 · 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 | $621.1M | |
| Deposits | $511.3M | |
| Loans and leases | $343.9M | |
| Total equity | $92.8M | |
| Loans / deposits | 66.23% (p47 of band) | 67.37% |
| Liquid assets / assets | 40.00% (p60 of band) | |
| Uninsured deposits / deposits | 18.68% (p17 of band) | 27.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.18% (p45 of band) | |
| FHLB advances / assets | 1.18% | |
| Tier 1 leverage | 14.80% (p94 of band) | 9.71% |
| Unrealized securities loss / equity | -15.11% (p39 of band) | -11.40% |
| AOCI / equity | -0.02% (p94 of band) | |
| ROA (annualized) | 0.48% (p15 of band) | 0.94% |
| Net interest margin | 2.66% (p21 of band) | 3.10% |
| Efficiency ratio | 76.96% (p79 of band) | |
| Noncurrent loans | 2.60% (p97 of band) | 0.29% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 59.31% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 2.62% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 69 | |

## 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 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 | noncurrent p90 | expense ratio p90 |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | expense ratio p90 |  |
| 2022-03 | 2 |  | capital falling, expense ratio p90 |

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

- 2022-05-03 [Columbia completes RSI Bank acquisition - NJBIZ](https://news.google.com/rss/articles/CBMiakFVX3lxTE1mLVZtcHBkZWNRRnNNU3ZYV2NEWFc0X2lfaEtmdW9YNnJCTFhoRXlaNzgyRWo3VGxkdGI2WExUM05rTmJyaXdFVzRfV3daS0QweldFSnRCRUd3TGhVSm9Ec25EUTZCbmtKeWc?oc=5) · NJBIZ
- 2026-02-04 [NJ banks to merge in $597M deal - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQVY1RGVzdHNsakV6bjJ6NjBJakY0bW82VGxQdkN3bnVqT3M4T3E0RUhobmZTMFpqSnoxa1Z3N2pja2V0aHYxYmYxUjJpeG9PQWRmTGdwU2IyRzBMLWJKUHQ4TDhObnhQVkV2TE5BOWs5cVhWUWtPRzZZMXNmRXZTYXRVXzF4Vm1iS25kbHJqLWlvVnNIMUxsMTlrLXZ4dVFLQl85Ng?oc=5) · Banking Dive
- 2017-02-04 [Cranford: RSI Bank partners with Monarch Housing Associates to fight homelessness - Central New Jersey News](https://news.google.com/rss/articles/CBMixwFBVV95cUxNUE1iZWY3MHI5MnBKUUh3akhuX0VVaTdaQ3dsNWdXblBDLWlrd1M4Vjh3ZWVickROLUN5UlZsS01wX2ZSbUk0dm9VRnpkanlzQ0J2YWN4Yjh1RGk3Y1JPXzZxanMtU3NrUTFzQjEyRFp5MjhYdWxZNjRIRkZidjdhZEpUWXBYR0taNTY1dXhsM2JlTXAwVEFtMkpxTFFmOHdyY0tNZ1c5WGhTeE56U0U2cUdZZ2RXeWRuTkdFNU9tcjUtX3RSYW5z?oc=5) · Central New Jersey News
- 2014-05-30 [Rahway mayor partners with RSI Bank to improve community notifications - NJ.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOYzhTRlJrUGdDTjR4bmtLOXNkX193eVVIVGxPbHBvdG9vU25NaC11TFlwcEloLWFLQzNicURIbDl2LXB5aHFRZUpCLTVvcDFZeDgxeEdOSUNDX1l6M3NQYW1mNXhsYmNQUjduUDR5NXQ1YWlDeUZ2azBndW5iZWU5SQ?oc=5) · NJ.com
- 2026-02-02 [Columbia, Northfield to merge in $597M NJ bank deal - NJBIZ](https://news.google.com/rss/articles/CBMiakFVX3lxTE1WRktOSFBHMFd3QnVNc0RQQmV3YUoxbXcxMGdVR1kwSnA1ejN3S0hQRmlrNUVER1lSRXVxdFdjNFpCWjlHaTVxWkZMaHNEZkh5UGFRODJ3MWZSQ04xYkUyT3c1Wk5tUXJTTVE?oc=5) · NJBIZ
- 2026-09-06 [Carol V. Sargent-Mazzola Obituary (2026) - Fairview, NJ - A.S. Cole Son & Co. - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUUJocEdCYTdLODRWakF6bUpydTlDeDA5U3lQZnJOQzByR2FLVnJzMjNWcDlyOVZmUzNjRWZUakFmZmNQc2ZGMmZUS0lFY0VtQV8zT1Z2NnZ5TUJiT19QWFR0WDZkUWhCR2pwYmNFX3MxTzB2QVdhUkc5VGJTUDRIUU1tdklsRXo3a2RPeg?oc=5) · legacy.com
- 2015-03-04 [Thousands of Pounds of Food Collected For Woodbridge Food Drive - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVi1WdVFnLUNCUmZrdWhKRGowenFfNWJLSmhtQm9LZU1XLWplZjl1SEQ2TDJQSWpUbHM4dmlOMm9YSkxIcXFTTXhmV1JOTEdZLS1HclZESjhhNW4tU0RtNFZWSGZJb0hrVFJuNk1DM3lDY0hXSEhjVzlheXNJUkMtTnRKTUY3dmxwb2hjQ3Eydzc2NzZ6c2FWanBnRQ?oc=5) · Patch
- 2014-06-28 [Roslyn Artist On Exhibit - LI Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE9IUHM0TTJySFlkaUlHWVM4LTRJUU9UbXlnVmpNdzNPNk5QQ2c1VV9HaGhsY29TcU1POUJWbktuV0FGX2I5blV2SElvZk1IRHVyZlJOSkNVbnJSYmljanJGUWhrYnNna3dvajFnOWhWZ0IxM3RRNWFv?oc=5) · LI Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12017 (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/49.json (key "12017", 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