# BANK OF CASTILE
CASTILE, NY · FDIC certificate 13292 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.87B | |
| Deposits | $1.67B | |
| Loans and leases | $1.27B | |
| Total equity | $140.7M | |
| Loans / deposits | 75.63% (p55 of band) | 73.47% |
| Liquid assets / assets | 30.20% (p46 of band) | |
| Uninsured deposits / deposits | 46.61% (p76 of band) | 33.32% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 2.46% (p49 of band) | |
| FHLB advances / assets | 1.61% | |
| Tier 1 leverage | 7.86% (p9 of band) | 9.53% |
| Unrealized securities loss / equity | -3.97% (p13 of band) | -0.38% |
| AOCI / equity | -5.33% (p9 of band) | |
| ROA (annualized) | 1.26% (p55 of band) | 1.21% |
| Net interest margin | 3.04% (p39 of band) | 3.23% |
| Efficiency ratio | 54.00% (p28 of band) | |
| Noncurrent loans | 0.50% (p64 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 170.83% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 47.57% (p54 of band) | |
| Auto loans | $1.4M (0.11% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 126 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | wholesale funding >15% |  |
| 2018-09 | 0 |  | wholesale funding >15% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-06 | 1 | capital falling | uninsured deposits >50%, run vulnerability |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 4 | uninsured deposits >50%, capital falling, noncurrent p90 |  |
| 2021-12 | 1 |  | reserve under noncurrent, uninsured deposits >50%, noncurrent p90 |

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

- 2021-05-09 [Tompkins Bank of Castile simplifies name to ‘Tompkins’ - Orleans Hub](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSGxwRW5TWGRKbEpUNkV3R0h0bFdKOHgyUTVFTC1vcksyNGNQcnlIUUJiMjJZOG9RV3RlV1pWS2tXX2hYd3ltQXRDSGFORjNraGNwZ3NQaThlbjFpMmpVUVJBekRLbGpQdks2NzV0RElEeWF5MnJMbXRnbHNRb2JybmZn?oc=5) · Orleans Hub
- 2016-12-23 [Tompkins Bank of Castile celebrates milestone employees - TheLCN.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNWUNMajF4MUUtWnZVSzl0NTJkdFg4TTN6NngwaFpoSmY3ZnVlc2hXWmpEdWp5YU5jeUlMOW8zT3dYRG5UMG5ZeEtzT2w4ZUs2Tkp0NWtId05Fd3laWG03SDhMd25PcnJlYUFRMktsNWVhYnNUNzlac21tbXB1cEE3NUl5UklJVzU3M3hmNHJ5LUsxY1J2blVmajdvNXlUU05rbGY5ZjBsSHhCTzVySWtZY09iM1ZZdExqc2dOVU1tRlk3NXhCSDFiQ1BIMWdhQQ?oc=5) · TheLCN.com
- 2012-09-05 [Tompkins Financial’s Romaine talks about recent aquisition - Ithaca Times](https://news.google.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?oc=5) · Ithaca Times
- 2021-08-11 [Tompkins Bank of Castile - rbj.net](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBEdUhkaEdtSFhYakxqUjVERS1PRjAwS0gxaXVwRXRZV2lHLWVvZVVFMkU4eTRFamNGUHJ4WXBuM1dZZFg5WGhtaFFrTm9rMHhfTmRsc1pFZ1R6bkIxWmwtekRrTS1ZUQ?oc=5) · rbj.net
- 2021-04-12 [Tompkins Bank of Castile: Financial Wellness via Banking, Credit, and Educational Services - CardRates.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdE9MXy1wT005ZjRvbC0zazAzck9EdFgtYlVzaWpUWTZzZENjVDZpSllTMnRxbW9hOEFxVm1WZjUteHVCa2tkbm4wMnBvTmRBc0tmVlNSNWViMWVrVjhtaUlFcmtpNFRZd191X0h4RjFhMkJKY1JwcW1jdHFLVHRZX1VEYXBobnlJd1pXeQ?oc=5) · CardRates.com
- 2019-05-20 [Tompkins Bank of Castile celebrates 150th anniversary - WUHF](https://news.google.com/rss/articles/CBMipAFBVV95cUxQTHZhOGlPd0JPM3g3dnpiSnF0b0dGSGxacEw3cUNlWnZKN3o0aDRUaFdJeEl1Z1VuUUdtZHc1MGtFS2hJWThpRW93ZjhmTldfOGV3d1VyNERwbWdMdTgtZTBvTzJSV2lXYjZRTUpaa0JlelliSVNWNk5OSHRocTdxZUpHQW5LY1NpZWYxOTdaNW1SZGRyT2txTGsxRFQ0Z0xGRURJVw?oc=5) · WUHF
- 2016-03-25 [Tompkins Financial prepares to expand Ithaca footprint - ithacajournal.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPUWR1bnM0NjZtSXI5TnZienVpWDA3SURDb1VVcHNWYXBCR2RCZjJxMnc4VUl2Q2p5NWR6VFBJa0c3SmdPR3hhaFVfdk5oQ0ZoX1pfSzdnUEFYdF9KbFh6NHk0Y3NWcVdjUkYxeFJoMUVFQk9hR3VJVDMzbHhKWUlNdTkzTVZLN0J4ckJac2ZoVDdMaTRpcEFvUC05bzlmQW43OGdjRE9qYVBxQUZUZl83cGhIUWQ?oc=5) · ithacajournal.com
- 2014-11-18 [Tompkins maintains its independence - Democrat and Chronicle](https://news.google.com/rss/articles/CBMirwFBVV95cUxNOEFmcTZKeGNxYk9jNks4M0xla3B2SnFWVjJmanVnSGhuam5SM19TUXNMVHA4OXpULU5teFItWkZWRzd0ZDZ1Z3RvOFRXR2FKbXJoejZud0xkX05uaGJoZXZqVjcxc00xUnBMeWk5Y1RCMGVsT2hMcDZtRnBQUGh5VldKd01IcjJ5WUFONTA5UW9Ub1ByS0l1dXRUdUJfVTh6N2RkcUJZQVdoekVTOXRn?oc=5) · Democrat and Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13292 (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/44.json (key "13292", 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