# STATE BANK OF CHITTENANGO
CHITTENANGO, NY · FDIC certificate 12940 · asset band <$300M · latest filing 2015-09 · 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 | $226.4M | |
| Deposits | $200.7M | |
| Loans and leases | $0 | |
| Total equity | $21.9M | |
| Loans / deposits | 0.00% (p1 of band) | 73.61% |
| Liquid assets / assets | 98.43% (p100 of band) | |
| Uninsured deposits / deposits | 82.68% (p100 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.98% (p37 of band) | 10.70% |
| Unrealized securities loss / equity | 26.18% (p100 of band) | 0.86% |
| AOCI / equity | 1.27% (p88 of band) | |
| ROA (annualized) | 1.56% (p85 of band) | 0.84% |
| Net interest margin | 2.15% (p4 of band) | 3.64% |
| Efficiency ratio | 3.77% (p0 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | uninsured deposits >50%, leverage <7%, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | leverage <7% |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 |  | deposits shrinking |
| 2012-12 | 4 | deposits shrinking |  |
| 2013-03 | 3 |  | assets shrinking |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 3 | AOCI drag >20% of equity |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |

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

- 2025-05-14 [Ida Goins Obituary (2025) - Chittenango, NY - Syracuse.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPdm9tT1ZpdFBBZkpqdnJDS1JrOFBmLWRXdlJ2eWQzYmlra2d2dElUMUV0U2h4bEhXRkFzb051TTJuZFVnMGZMc0N1WURXMDQ2RWVScnk3YWtmQ20yZmpYOEc3elQ5SE9BaEdfb3dGeFlGSTRfMDJaM3JfMGoxdUNFeTBWcHliZkJsOTNFdld3?oc=5) · Syracuse.com
- 2025-06-04 [Thomas S. Bielicki Obituary (1942 - 2025) - Oneida, NY - WKTV - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxORk05ZEpYcFltYnNBeTQ5VnBmRnZNR0ZlSzJNc2luUTBRUTItRWd6SU5tYVBwTjE3S1pMWGZ4S21qb1M2aUZDSDFDMnY0VTYxMXFSaDlzZnowUzhxeld2WkNRYnZac1o4cGpkLVgwblEycEZfaS1Gb2JiVFltaEljTjJ2aWlidUhjTDRJ?oc=5) · Legacy obituary
- 2024-06-25 [Judith Bevz Obituary (2024) - Chittenango, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQjUySnRhVDNhODk5dXc2RlFsZ1ZHdk5GOFh0eHBVN3lvNFY0UFFtbnBsZjZZRmdWeEZuSFdERGF5SHQwZjRSaVFsd0FQdUNZSEUyWi1GSW1OSXdrOTJuZVR2d1NTTE10WDM3MVBCZ3JJeHBKMW9rRjA4Q3FjYTd5ZEhWRzNfX19zejJ5cjI2R0E?oc=5) · Syracuse.com
- 2021-08-11 [Norma Sherman Obituary | TRAUB FUNERAL HOME INC. | Bridgeport, NY - Tribute Archive](https://news.google.com/rss/articles/CBMickFVX3lxTE5RczNLeXA1c3BMdUQ0YzVhMWE0WHJFc0t5d2F4YWxZam9lUUFyeWU3SVRkVi1qMWtRMS05bGpkTGJnT0c1YW5vUi1ES3lndWRxUm1XSHNuWUZDa2FLRUVsSkV0OW8yd2daNWRtNEpzcUdhUQ?oc=5) · Tribute Archive
- 2021-10-03 [Shirley Watson Obituary (2019) - Chittenango, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOd0h2VUtSX18yQkwtRXFPRlB6TGxIVmhhSmdjSVJjM1BYQ0U1bXRzWUxWaktiRTF4YmZPMVFUTktJRU1jUXBqcXphOEhVeERQT21QVldOdEhQY2NoN0hMT1BHNF90Z2RPdnRqbVRKZkNPb1hOMUFMc3FOYU1zQlJVT0ZmcXBNdVZZbHM5cnRBRkc4QzJM?oc=5) · Syracuse.com
- 2021-10-08 [Diane Karan Obituary (1953 - 2014) - Oneida, NY - Oneida Daily Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbVdkdkQ1RXdFRFNBMk95UFZPcWs4MHFUcW1qdUJCSzhhaWNYZ3BlS3VzU2hzNzYwWUhqbFIzZlprempadGg5Ym9TZ3d0NGJnVGhRa3o0TktfQ3hkQXJUN1ZJazFVWUpxUVpQOWlTcXNLN1pEaF9BTHhEb1VzTll0b3ZabW1NYWdjNjlhWFFqS29KMXc?oc=5) · Legacy obituary
- 2021-10-07 [Roberta MacDonald Obituary (2018) - Chittenango, NY - Syracuse.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQcVh5MjlENkxIVkw0UU8wbUYtaWQ3SVRMUWR0NHVVemxLTHpGbU4wbHZUaUlKNTg4eGZiWUZrcVQ2U0Z5ZXZEZmVvejdPdms0N0lyZ3UyUnRUeFJXelVNOGszVDVEa3p1NFMxdW1jQ3Y3alV2SUM4NEhXNlJiZm5jZnJ2NnhHa0d0UjA5QThEdk5KRU5uN1p4Ng?oc=5) · Syracuse.com
- 2021-10-18 [John Coulter Obituary (1933 - 2017) - Ft. Lauderdale, FL - Oneida Daily Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxPT1ZMNVVmSzBfV1VPcDY3cVAtN19kZmtNZk41cU5mbU1LQlJ5T2JUVEFzaVFlLUxFNDIxRlhEVGtnZGRKZ25kb2xjVUdJcU94RlJLc3hNendBVXM1aHJNRmhSNnFxa2lCZzRrX25wVzZqQkNPSDg3czRuV1NLSGpTbnN2RGg1NUg5ZDF6OUUtbWZqVHVv?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12940 (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/12.json (key "12940", 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