# STEUBEN TRUST CO
HORNELL, NY · FDIC certificate 12936 · asset band $300M-1B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $570.9M | |
| Deposits | $485.4M | |
| Loans and leases | $324.6M | |
| Total equity | $70.7M | |
| Loans / deposits | 66.00% (p16 of band) | 84.67% |
| Liquid assets / assets | 39.24% (p84 of band) | |
| Uninsured deposits / deposits | 34.81% (p83 of band) | 22.09% |
| Brokered deposits | 1.09% | |
| Wholesale funding | 2.49% (p38 of band) | |
| FHLB advances / assets | 1.40% | |
| Tier 1 leverage | 12.40% (p77 of band) | 10.64% |
| Unrealized securities loss / equity | 5.35% (p88 of band) | 1.01% |
| AOCI / equity | 1.09% (p70 of band) | |
| ROA (annualized) | 1.16% (p63 of band) | 0.99% |
| Net interest margin | 3.68% (p53 of band) | 3.64% |
| Efficiency ratio | 65.87% (p45 of band) | |
| Noncurrent loans | 0.28% (p31 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 454.69% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 5.97% (p10 of band) | |
| Auto loans | $7.3M (2.24% of loans; DQ 0.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 117 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | wholesale funding >15% |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 1 | capital falling | wholesale funding >15% |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | wholesale funding >15% |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |

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

- 2020-03-05 [Shareholders approve Steuben Trust, Community Bank merger - Hornell Evening Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxPM3RmTFFPNTBKTkZWNDBaanNNSFFRS2JOXzFLbDdfQ1QtX1BqZHFUbXZycmdYZTcyakFveHJ2LVhqQ1J4RW5yX1UwWVhpXzN3ai1qQkQxT0RsTlFlV2Z5amNuWm5BamFNY0pld2RIand2alB2bmZ3QklzV043V3N3QXpnbEhORl9Mby15WURxdU9IaG8yS1BZM1dqMkZLS1dJRDAzRjgzbm1XaHZrVGdEeXdtRE5Bdw?oc=5) · Hornell Evening Tribune
- 2020-10-09 [John Eagleton to assume leadership of Community Bank’s commercial team in Buffalo - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNzJNQmx6a1ZrSDhnTXhTYl9MRTN5MEpEblIyaU1zS1AxajcwMWJRRzhqN3BYdi1zdlVBNHIxYTBIY3dIUU1mdkduWVMwSUdzT1NtWFlDOVFYNVZhYXh1V3VJSFJiRGg4LWZ3ZzNDMUp5VkMxenNoX2JVTUJ6Ymx4NnVOdk44bklSQXBjTnN3Y3ZVQmt3c3lfUzViMzVxSms?oc=5) · The Business Journals
- 2019-08-22 [M&T Bank's Philadelphia branches will get $9 million in upgrades - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOb1hNWVlFc3piZFF6a1FDU05MdHJTd3hnTEhVajRiZzdwbGNjeTVwb3BwYUpZVFRqTzBGNTdnMzJjNGZjT3dqXzU5eHJvRjVjRDkycDByOHJSamlYZW5fNWY0TUxSM0R3TGQ0YWNPeVNmWS14THZXdnJfOGx3REIyRHNDX0ZydDkyM1laX0dPcng1UHF6a19OeHZpQjZKb2lOOXVOeHFGUWJMcU0?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12936 (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/8.json (key "12936", 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