# FLEETWOOD BANK
FLEETWOOD, PA · FDIC certificate 13561 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $415.6M | |
| Deposits | $381.1M | |
| Loans and leases | $245.6M | |
| Total equity | $29.2M | |
| Loans / deposits | 63.66% (p17 of band) | 82.04% |
| Liquid assets / assets | 37.15% (p78 of band) | |
| Uninsured deposits / deposits | 14.41% (p12 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.72% (p31 of band) | |
| FHLB advances / assets | 0.72% | |
| Tier 1 leverage | 7.77% (p1 of band) | 10.81% |
| Unrealized securities loss / equity | -21.15% (p22 of band) | -8.10% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 3.64% (p35 of band) | 3.91% |
| Efficiency ratio | 72.29% (p78 of band) | |
| Noncurrent loans | 0.56% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 216.47% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 40.35% (p47 of band) | |
| Auto loans | $30,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 | uninsured deposits leaving | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | expense ratio p90 |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | securities losses >30% of equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-11 [Betsy Knott appointed vice president of retail banking at Fleetwood Bank - Berks Weekly](https://news.google.com/rss/articles/CBMisAFBVV95cUxQMnU3eWZLbE5pZjFLN1U2cE1URm1JaHdCSGxDbGdyZXBCZE9MN2VWckJMcVlMU0w0Uk1yemxzMnVJQ183Zk5XMWowTzFUX2ZzNmRCZ0I1aUE2Z2J1V2liWW9IZklMVEZnWFdQRjVSQzUzVmZsZmtWRVIwTkpCSTVGUkRyRTVzVDZJTE41elNOUWNBQnQzQm1yMU9CMXNyaHhBNGQ3TGRWNWF4MGhlNVhCMg?oc=5) · Berks Weekly
- 2026-04-14 [Fleetwood Bank Agricultural Dinner Celebrates Local Ag Professionals - Berks Community Television](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVE9hc2I3LVdYM3BQcUZLQUNnT3FzaWdDTXpRcmRRSnRXUjlWd0pEWVNtNkNBOTRRRmxySVFLNURldkNKWWphUlh5VFdyTWpqY2w3bWdRS1NoZC1OSnJvUUloUFdaek5IUjAzcXFmaXlPX3ZYYVFpczVKS1JMVUlZR3EtQkZOY2RJNU9tdmZPZlBueWgyMW5ES3draEJyQVBITFJF?oc=5) · Berks Community Television
- 2026-03-13 [Leah Grace Ross Obituary Mar 13, 2026 - Ludwick Funeral Home](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1Cc0xLQmZCbzYxTGRzWTIzNGZTNDM3aU14XzlUOEsyR2gxeGV6NlAxRjlNZktEeUQxQVBicndRV043SmZGOWFPc3ZWaGVBQQ?oc=5) · Ludwick Funeral Home
- 2026-04-17 [Fleetwood Bank’s Agricultural Dinner celebrates local farming - Reading Eagle](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQnp2Z3hkVFg5eE1uaDk3SGFvQjMtYk9LZnR1U2w5Y21fU2x4OTRwck0tNHpQdDdFR3JnVi1hRk1qODZrTDJiOHB6QmZmSVFLQVhxS2lOZGVmaTI0aURMQU5ETVZZcXhEbXlFdk1uMnhVZnFfZUZJVXdWLTZEaGJ6NFFobE1RNFoyZUY0YmxtOUlSX1htUkx2VW9LR2czTjk0MzE0?oc=5) · Reading Eagle
- 2026-04-08 [Fleetwood Bank President Appointed to ICBA Committee - Berks Community Television](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWXNKRTlvc0JWTnlXUGRFbE9ZcXBVeTNmNXdYOGhHNFREQ0QxTFpZdnBjZEhGMDdCckhpTjVEaVJfNHlZTUxlMTdtS3lyRDAxU3R3Vm5HSVdHTER5akNMU2doNjVEcW41YWNKUVVvcV8zX1JWajhJWl93R2U0SlE2N0xKTFdob3pGRDJlWFBR?oc=5) · Berks Community Television
- 2026-04-08 [Robert R. Shick Obituary (2026) - Fleetwood, PA - Ludwick Funeral Homes and Cremation Care, Inc. - Kutztown - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNcmc2LTQwTFRadTZma19ZRjY2eDBZb2h4elVKb1NkV2hUSmxKVzJxRWdaU01YNWQ1MzIycXZGOW05UzJIdmlsZGdoeU8xelI3OU1FalpYMXdRSUZXa2hIZU1wc1BkUG05UGZWcFJJWjY5U0dXVG82a0NhVFpiS3FvQQ?oc=5) · legacy.com
- 2022-05-11 [Community Banks Helping Customers Get Back on Track - philadelphiafed.org](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVzVMZS1DYm9lN3ZOaEwzWUszVW5NbTZYZjlYTlV2MHQ0dTljb2pmZ3FhQmROY2ZjeWtQdHRwbGlwZGxMaTNNSUN3eHU3Q0ZJQkgwOUhVdnFJMlFBOGtVeGRqSmV2SzFpNkloMGxXQnRiTFJVNGJKdFVad3R1bFJONEpUSjd0SEN3NmNabmVIRjlnR3RpQmdYX082YTExZ2E5Yk9wLUx2cC0tUXZkbWpIbzRiQWhrRlFPODk3ZlpHWTR1X2c?oc=5) · philadelphiafed.org
- 2025-04-17 [Ribbon cutting celebrates Fleetwood Bank’s Kutztown branch renovation - Reading Eagle](https://news.google.com/rss/articles/CBMirgFBVV95cUxNM2FpT3UxWVpkMU52TzZWOG8tTU9zZHhQdk9qMkx0WmVrdkRDZFA4Q1NhYzlJU3JOemFxekhqR1RxV2hXeWZJbjlUZjJRWUdUMW9Fc29QUms0SUt0LXJsMm1sWE5yaVk4Z2xVMmFiaFRkdks2Ymdnb1VSYWxRb1I4VV9INE92VVRQVE1vUnpnYzRCdlVzeWFlX1djeXlwenBmaVRKQ1lrdEtzckZFSFE?oc=5) · Reading Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13561 (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 "13561", 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