# ELDERTON STATE BANK
ELDERTON, PA · FDIC certificate 12985 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $465.2M | |
| Deposits | $359.6M | |
| Loans and leases | $393.7M | |
| Total equity | $54.5M | |
| Loans / deposits | 108.08% (p96 of band) | 82.04% |
| Liquid assets / assets | 11.86% (p9 of band) | |
| Uninsured deposits / deposits | 15.96% (p15 of band) | 25.97% |
| Brokered deposits | 0.43% | |
| Wholesale funding | 10.87% (p80 of band) | |
| FHLB advances / assets | 10.44% | |
| Tier 1 leverage | 12.09% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -1.94% (p80 of band) | -8.10% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 1.66% (p73 of band) | 1.28% |
| Net interest margin | 3.89% (p49 of band) | 3.91% |
| Efficiency ratio | 44.27% (p9 of band) | |
| Noncurrent loans | 0.76% (p66 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 168.59% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 7.05% (p11 of band) | |
| Auto loans | $1.4M (0.36% of loans; DQ 0.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | loans exceed deposits | reserve under noncurrent |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | liquid assets <10% |  |
| 2014-12 | 1 |  | liquid assets <10% |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 2 | reserve under noncurrent | liquid assets <10% |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2017-06 | 2 | loans exceed deposits, capital falling | reserve under noncurrent |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | charge-offs p90 | loans exceed deposits |
| 2019-06 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2019-09 | 2 |  | noncurrent p90 |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2020-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2020-09 | 2 | noncurrent p90 | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | noncurrent p90, charge-offs p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 2 | reserve under noncurrent |  |
| 2023-06 | 3 | loans exceed deposits |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | capital falling, charge-offs p90 |  |
| 2024-06 | 2 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2024-09 | 1 |  | loans exceed deposits |
| 2024-12 | 1 | loans exceed deposits | charge-offs p90 |
| 2025-03 | 2 | reserve under noncurrent |  |
| 2025-06 | 1 |  | reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2019-10-06 [Bank celebrates 100th anniversary - Indiana Gazette Online](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZVpxQnpMZ21rcE1WRTFTR3dNYXpVck11TVliRzl4SEJzaThjN3FtYUdNQkxLaVkwVkZZYXAySHJyamczNEp1U3NBbWxtWUZQUEtPOFpyaklSZHhSM2haRzQ1VzNEZ0VnMmVsMUtGVUFtR1p1V2o2bWcteS13b01rYk5DeExsT1UxRTFCZE9QWWJTeUppTXpwQ0U2OFczcGdscGVxRWoyOV9hZl9IeVlfblltWU0yNmJvbERZ?oc=5) · Indiana Gazette Online
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2024-07-06 [Robert H. Stahl Obituary - marshallsfh.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5OT1pPZ2g1SVk2ejlKMHJpYXkwWUpDcU9Ic3Uxem1oamFqVUtjdm5lYnhUYXh5c2tGV191YXdkMGJNV2ZXeF9aemZzejBRbjVBcVB0MHB6cjZnTk14Mm9KMkZ1bndaRE0?oc=5) · marshallsfh.com
- 2022-06-24 [Eleanor Christy Obituary (1923 - 2022) - Elderton, PA - Leader Times - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPME9BSkVGMm5ENGl4aEcxM2YyQ2pHeU5jY08tbW9pbzVpT0FTWUhrWGtLWldkNzZrSVFMalo1djV2TlU5azN1aXJ3YjFKaDcySlczdnkxb2RSZTc0MFQ3LW9iVW9YZkZ1d1FrNHpHaHdYM0tnY2t2MHVNVWFiUjRhMnFTYWM3Y0xzRlJCZldWLXJOUU5B?oc=5) · legacy.com
- 2022-09-29 [Robert Solinger Obituary (1937 - 2022) - Elderton, PA - The Valley News Dispatch - legacy.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPc005bC1vWnNkSVVlU21mS2w4OVllTzEtQjFjVkh6WVE0NDRsanRXM2cyWVNYRUd0YlFsdUhFcElyb1VlZDBDSWJ6ZUlyc2hyOWl5RHEzWXBSYmh1UUdsWjlUYXlFV3pqSTZscnlTd19VZ0lJWUtDc29DQXpwdk1VSjMzM0M4NWI4ZTlRQU9TWG1yRkVtM21mUkQ4T0NMakkzZy1wSnNiRnpteDFB?oc=5) · legacy.com
- 2024-10-18 [Richard Pesta Obituary (2024) - Greenville, SC - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZGU5MjNQWWNRUGowMjc3RlBlR09qVjRDUTlQaXVITW9vSkpERDBRVHd2YWJSTDZWRC1oRkxtMkdFMWpyMEZ6UTFiRVV4MGJ3dURXOWRxRUxnNlBDc0xNaGZpbUswRGl5RDhNNk13djFQcFdwci13OGlDRFhaVzFOZG9IckxkcU9yZVpVbDNsTXhMQQ?oc=5) · legacy.com
- 2024-10-18 [Richard Edward Pesta Obituary (2024) - Greenville, SC - Thomas McAfee Funeral Homes - Downtown Chapel - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOYUZRWkdpLWl1Y1huVXFBVU1aQjVzdVlrTGxwYVhOQXo0SVdreldKWWNFZTc2dmppdlN6T3ZIOHJrdFg3SjNoWTN4a2hqdVc5Ui1BYkxXY3RObjgtSVZwQTREMWU2ZmExSFAzWW1CTjBIWkhZTmlKYnJCMXRnVk9KWXZR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12985 (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/57.json (key "12985", 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