# HERNDON NATIONAL BANK
HERNDON, PA · FDIC certificate 13836 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $28.9M | |
| Deposits | $20.6M | |
| Loans and leases | $8.7M | |
| Total equity | $8.3M | |
| Loans / deposits | 41.51% (p9 of band) | 71.80% |
| Liquid assets / assets | 68.85% (p95 of band) | |
| Uninsured deposits / deposits | 4.59% (p29 of band) | 7.92% |
| Brokered deposits | 11.25% | |
| Wholesale funding | 11.25% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.72% (p97 of band) | 9.80% |
| Unrealized securities loss / equity | 3.70% (p59 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.35% (p30 of band) | 0.68% |
| Net interest margin | 3.43% (p26 of band) | 3.84% |
| Efficiency ratio | 87.99% (p78 of band) | |
| Noncurrent loans | 2.21% (p61 of band) | 1.53% |
| Net charge-offs (annualized) | 0.30% (p71 of band) | |
| Reserve coverage of noncurrent | 78.12% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $209,000 (2.40% of loans; DQ 9.09%, NCO -0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 8 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | brokered >10% |  |

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

- 2022-05-03 [Bethany Troutman Obituary (2005) - Rebuck , PA - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOdnRoRXFYSTktMGdDYlloTElxTmRVQ2l1YUc4TmxjYTRpa2xqdU10Y0VFOEdUVTh1T1A1QlYzel9LMllVYXBQV2V1U2FvLUFBTF9vSW14ZVUxVi1YTnBxaG5QelV6d3lCd3pZVWdybzF4akhHTDQwRk1xdW1Bak16ZVBPTlBwUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13836 (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 "13836", 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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