# HUDSON CITY SAVINGS BANK
PARAMUS, NJ · FDIC certificate 13074 · asset band $10-100B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $35.10B | |
| Deposits | $18.00B | |
| Loans and leases | $19.23B | |
| Total equity | $4.44B | |
| Loans / deposits | 105.60% (p85 of band) | 87.13% |
| Liquid assets / assets | 43.09% (p86 of band) | |
| Uninsured deposits / deposits | 47.84% (p70 of band) | 35.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 35.30% (p85 of band) | |
| FHLB advances / assets | 17.17% | |
| Tier 1 leverage | 12.22% (p88 of band) | 9.74% |
| Unrealized securities loss / equity | 0.64% (p41 of band) | 1.22% |
| AOCI / equity | 0.04% (p40 of band) | |
| ROA (annualized) | 0.11% (p7 of band) | 0.95% |
| Net interest margin | 0.65% (p3 of band) | 3.20% |
| Efficiency ratio | 126.28% (p100 of band) | |
| Noncurrent loans | 4.08% (p93 of band) | 0.84% |
| Net charge-offs (annualized) | 0.05% (p41 of band) | |
| Reserve coverage of noncurrent | 28.20% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p19 of band) | |
| Deposits YoY | -10.5% | |
| Employees | 1465 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 5 | assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | deposits shrinking |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 6 |  |  |
| 2013-06 | 7 | noncurrent p90 |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 6 |  | assets shrinking |
| 2014-03 | 7 | assets shrinking |  |
| 2014-06 | 7 |  |  |
| 2014-09 | 7 |  |  |
| 2014-12 | 7 |  |  |
| 2015-03 | 8 | expense ratio p90 |  |
| 2015-06 | 8 |  |  |
| 2015-09 | 8 |  |  |

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

- 2015-10-30 [Biased Lending Evolves, and Blacks Face Trouble Getting Mortgages (Published 2015) - The New York Times](https://news.google.com/rss/articles/CBMiggFBVV95cUxQckthTUNyZTVyYTJ4X016RFBlMi04ZnV3N0VnUXcwT3k2YjVzckJQTUdWTXJ6Z3dCREo0SWVxWTZPc0RJRFRvWG1NaFpkWlF3Tkcyd05QV19pMkl5OV9nNnZsU0FkS1AyZ0RfR0tibVF1Q0hDQ3U0Yjg1dEtnRWhiblZR?oc=5) · The New York Times
- 2014-12-09 [Hudson City Savings Bank grants $50,000 to the Paterson Youth Council - Paterson Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQNVlKNjdPS3RSbV9yVWh3MW5TMTdNX1BNSVpaems0ZVRBTV9iNFhJRTZrSjVhdzBaVVhLbHBLWTZNTVdYYW5UUDQ4U0R3Sm9CbkVXc1pQRndzYkhYdmRPcHgxNzFRWXg0UDAta2VmcXVuQmRqRWdld2s3dDVGd0RWZ3pZdVZqVmpOVlA0YmFEN2l2bWxqeHA4b0kyaHBfUG90X2I3RkloZkU?oc=5) · Paterson Times
- 2015-09-24 [N.J. Bank to Pay $32M to Settle Federal Mortgage Discrimination Suit - NBC News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOcHA2T1FHOGlLMUhVNnIySW5lQnFYNV9GeEF1b2xIZFUtVzg2OVpRLVRQZU16SmdGZFY2SU5ucmRkMXVBclhKaGdpX250T19ZUHM1RHBsMXNDTVNRZ3dTR0RzYmJQcHgzdnMzdldXalk5N2xaeXE0ZVBiM2F4dzBFbVY0ckxxLUctMWI3QVJ4MlgzZmJMRE9HZ29lQmM2Ty02cWc1d1o2OXZkSXU5cWI0RVRUbl9Ydw?oc=5) · NBC News
- 2016-08-26 [Hudson City Savings appeals jury verdict - Asbury Park Press](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRTNMWGYwQ1JPZkthZWNaY1BUc1VEam80a3Ewd2owcERwb21tLUVncjV6b1dTaWFjaGFqcDFDT2dwV3lua1RvV0JJcFRuR0RNSm1FcF9mbmp5dlZfODdGUGppUTZuTE1PUURuWEJvODJNM01BNVljM3FnYkc5eXFLMGlDM2xodXNEbHNzUW4zbFJoNVI1SE1seQ?oc=5) · Asbury Park Press
- 2018-11-29 [Obituary for Leonard S. Gudelski - Van Emburgh-Sneider-Pernice Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE8yVmlWajhCTXNVTkJ5THk5SC1UXzJfeENBSXI4Z0NrM0pkbW1oZ3J4RTdmZkc1LUZtdTlmMURjWjQtb1NJZm03dEtRY05aS0JtUWpmV2ZwUGhRYlM5MW9INExBNkppTlNmRlJn?oc=5) · Van Emburgh-Sneider-Pernice Funeral Home
- 2013-02-26 [M&T Bank Announces Leadership for New York City-New Jersey-Connecticut Region - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxOcDNPNkV4ZE1USmVqNGIyay12RVA5Z2Z0VnpweWZkSGNlZGxRdEJQTTRvOTB5d2I1RUZaY2JzQ1ZvNmpHeDZrVXJfazUyQzhtdFNGMHVaU0NyZ2E1Nm1zUS12UUl2bTR2ZmtXMW93bm1vWlU4cDNPMjZtY0Vhc0ZKQmhPalU0MTRzY1dEWHI3bzJJQi1hbzFkRTRib3RCaHlNZkFseENMMVp6YzVUZ1NnWFVQa3JpSUFfRlpGYW5fTVduN0FRdU9TNklsZ2w?oc=5) · PR Newswire
- 2013-06-05 [Hoboken's Haven Savings Bank to buy Hilltop Community Bank in $27m merger - NJ.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFB2WlBid1VUTlpSMkdFYkZiVU9ZSUxSazJuMEpoZ240N0VZSlBMQlZSSmhpd2VuZ0RLblk1V3ZXRWVRMTVteUliQWItSUpxdW90N0p0bjFUQ3lCd1lfcm04c2xTR1RmLWViR1Q1THhNQlFtbmExMkp5VDRvNA?oc=5) · NJ.com
- 2016-08-04 [‘Countdown Bandit’ case grew over time, leading to an arrest - Bergen Record](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPQUl3UFh2bzRScDMxRGRqRUVQSUdSbFJfNmNiaEtfTFVnalRoZEJ1MkN0QWZtVGlHSVlqRUxFanQ0RTE0cXQ1VkxRZmw0Ui1RR3pxRHFCRzI1RzhuT3hlVkhLa1BNd0g1bGdtd1FpbGh0RDN5enhZN0tEU1pEZk9QVFotbExhS2c2ZTFvX2NUSjBuOWpEYkp6N1h2X2w0Y3MwalVyZHFxWXdzVy1Geno0bzk2UTZxcnAt?oc=5) · Bergen Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13074 (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/18.json (key "13074", 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