# JERSEY SHORE STATE BANK
WILLIAMSPORT, PA · FDIC certificate 14359 · asset band $1-10B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.62B | |
| Deposits | $1.13B | |
| Loans and leases | $1.36B | |
| Total equity | $141.8M | |
| Loans / deposits | 119.27% (p97 of band) | 86.81% |
| Liquid assets / assets | 9.35% (p5 of band) | |
| Uninsured deposits / deposits | 28.58% (p45 of band) | 30.18% |
| Brokered deposits | 1.36% | |
| Wholesale funding | 21.57% (p88 of band) | |
| FHLB advances / assets | 15.51% | |
| Tier 1 leverage | 8.84% (p13 of band) | 10.28% |
| Unrealized securities loss / equity | -2.21% (p83 of band) | -10.98% |
| AOCI / equity | 1.57% (p58 of band) | |
| ROA (annualized) | 1.10% (p55 of band) | 1.04% |
| Net interest margin | 2.86% (p20 of band) | 3.46% |
| Efficiency ratio | 64.68% (p59 of band) | |
| Noncurrent loans | 0.70% (p64 of band) | 0.45% |
| Net charge-offs (annualized) | -0.09% (p1 of band) | |
| Reserve coverage of noncurrent | 86.59% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 21.06% (p18 of band) | |
| Auto loans | $162.0M (11.94% of loans; DQ 1.75%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 225 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | wholesale funding >15%, capital falling |  |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent | wholesale funding >15%, capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 3 | loans exceed deposits, capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 2 | capital falling, reserve under noncurrent |  |
| 2017-09 | 2 | loans exceed deposits | reserve under noncurrent |
| 2017-12 | 4 | wholesale funding >15%, liquid assets <10% |  |
| 2018-03 | 3 |  | liquid assets <10% |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | reserve under noncurrent |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | charge-offs p90 |  |
| 2020-03 | 3 |  | charge-offs p90 |
| 2020-06 | 2 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling | wholesale funding >15%, reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 | loans exceed deposits | capital falling |
| 2022-12 | 2 | wholesale funding >15% |  |
| 2023-03 | 1 |  | wholesale funding >15% |
| 2023-06 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 5 | NIM <2.5%, deposits shrinking |  |
| 2024-06 | 3 |  | uninsured deposits leaving, deposits shrinking |
| 2024-09 | 2 |  | NIM <2.5% |
| 2024-12 | 3 | liquid assets <10% |  |
| 2025-03 | 4 | reserve under noncurrent |  |
| 2025-06 | 4 |  |  |

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

- 2025-07-29 [Bank completes acquisition - - Times Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxObXZwR19sWG52NEFwUEtYckV5OWJGVDM5NWRLdlRrOVVaNUF4WkprS21EM1FHd3lkY1M5YkdqVVo5M2JQbHlRSlF1My0wQjVMb0NDSWFxQXdzLVlhcldPLWMycV8wT0tCSmc1SlhhRVhmaXJYNWhOZmNwOVRHVUIzZVYtYTJ6VTg?oc=5) · Times Observer
- 2024-04-04 [Jersey Shore State Bank supports Penn College Dual Enrollment [2024-04-04] - Pennsylvania College of Technology](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRUFLYW5YNUYydlctSHZ5YUVtRW5MdUZvVzRCNnc4czJHSTBOeUE5MWlxOEdWeUttX3ZRT3Q1MFY3V1ZhSDdMR3hpQ0NwTUltX2luUzAwbktSLUhkMDBzVXJRZHE4TnF6WU5YUDZRcXlhdDB4YnM4OU44OVlYVFZtSjB6WHMtWU5ZbEFzMTVzcVQ3U3ZXT3drN0s1T21kU0J3S2lJVHN1T1RZQQ?oc=5) · Pennsylvania College of Technology
- 2025-04-21 [Penn College Dual Enrollment programs benefit from Jersey Shore State Bank gift - The Pennsylvania State University](https://news.google.com/rss/articles/CBMiugFBVV95cUxOS2N0NE5HVXNqZTZEYTlISUxGVDFmY21kU1RmZVNCS0s3bWJxTkxaYTVOZzU5WWZEZVl0eFhMSG9NZ3hvMmdJZWtvQVZaMnJjQm90M1Rvb1ZoRkF0QW81bFlUbE5tN29IY1R0clpaNW9IMnNZWGZhMVk5RVcxeFRlSG84YjBjQzVidHJHdjczSkRtVU56bGtEQ1VmSUtiUkpSZVBOUWl6NUtIaDlYWEdVSEZVUWdCRDQ4TVE?oc=5) · The Pennsylvania State University
- 2024-12-18 [Ohio’s Northwest to acquire Penns Woods in $270.4M deal - Banking Dive](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQMmFVem9iemV4X2M5SXVabHIzaTlPXzVFaHc0QjF2eVFLY1dHdUZjMmNJX0Z5dzdLbi1xcVFyQUtXcDJVVVp4SGQ2NWluYWlyUjlIc082bXlmZG1lakdoZk9qWWxqUDNLeDh1RlZKZUFCcG5VRFFCNU5IU1VPOEJxQ1MxMzY5Vk1wR1dELVFiWmRKZ3haMVlrNnNSejFRWDM3Z2x2OXEzeUVwR1BKb2FmblZoSFBYQjFkRjNNRVdqNEF6ZDg?oc=5) · Banking Dive
- 2024-04-27 [Jersey Shore State Bank continues to support library - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTmVheC0xbzNMX2NsWFJ6NlpFVDJteVNsMVJtNGE5UWkwRUQwRkloR1BkczlMelM2S2piM1k5TzV6RWoyNFJBb0FPbU84NHpQeTZickJwZFVjWTNaZDAtV2tYRUNaUTNYZ3VTVWtJUmdEWjlyeVNtTjlWSUFlMnR2OU14YVRVZExHUTFhVGxNaDZxVGlJbUl2WHkwUkp5UHc0SnNXb09QcnRxVElw?oc=5) · Williamsport Sun-Gazette
- 2023-08-25 [Karen Young - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1ZbkluRTN0YVdoREYtUVRtQ2FreHl5amdEMlJVSy1mMFR3SzA2Mm5kdThiSG44NGQ0dlNPTGNScXhkajAxbzhpdzVJNDhPOEprREpxTVllZnF2S0R3Q09DWWhIU2JzZ1F3?oc=5) · Pennsylvania Business Central
- 2025-07-30 [Luzerne Bank is now Northwest Bank following $270M merger - The Citizens' Voice](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNUp4Y3RPaUM2em5Qc1RoNERVTEw2Z3ZmaldUaFo3a2ZNdWJyMmVuMk5ZT2dMd0xFODdhbFhWaXROaFplREZfeU1FLUdTaGFSNFU1NEppS0dta2ZTSTMwdU1TWXVzNzd0OEFySldmMWstVWZ1YTVsR2pobEVueEV3WHhVSWUzTU5zT3FBaFo3aTdxVEZ0WU9mWGZKemZTOXc?oc=5) · The Citizens' Voice
- 2025-07-28 [Northwest Bancshares Completes Acquisition of Penns Woods Bancorp - citybiz](https://news.google.com/rss/articles/CBMipwFBVV95cUxNOWVuMzhrbW9Qc2twazh5UkRUM0l4emRqekNGeEZCZk40NXdoYk1GRXFmZno0LVhDcDlQSlFuNjRuSmczMUttZVZ4R2xUT0ZVV2dTWmtNVC14LXBJUi05Nkx0X1V6VVhjbDRsRm5qR1UyY29tbmFvamo2MkpTcDZzUmU4NnlIVjVVZVh6VDdjSE1HQU5Kb2JRWG5uQXNYdmRIN0tGUF9RNA?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14359 (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/23.json (key "14359", 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