# NEWFIELD NATIONAL BANK
NEWFIELD, NJ · FDIC certificate 14646 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $889.1M | |
| Deposits | $784.6M | |
| Loans and leases | $464.0M | |
| Total equity | $68.8M | |
| Loans / deposits | 58.35% (p11 of band) | 82.04% |
| Liquid assets / assets | 43.65% (p87 of band) | |
| Uninsured deposits / deposits | 33.32% (p75 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.72% (p52 of band) | |
| FHLB advances / assets | 2.08% | |
| Tier 1 leverage | 10.07% (p36 of band) | 10.81% |
| Unrealized securities loss / equity | -47.50% (p5 of band) | -8.10% |
| AOCI / equity | 1.90% (p97 of band) | |
| ROA (annualized) | 0.73% (p18 of band) | 1.28% |
| Net interest margin | 3.25% (p18 of band) | 3.91% |
| Efficiency ratio | 73.46% (p80 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 6500.00% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 42.94% (p50 of band) | |
| Auto loans | $365,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 143 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 2 |  | capital falling, NIM <2.5% |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2025-12-23 [Franklin Township police warn residents after Florida couple charged in multi‑state credit card scam - 6abc Philadelphia](https://news.google.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?oc=5) · 6abc Philadelphia
- 2020-11-24 [Brian W. Jones - philadelphiafed.org](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8wc25HRThRNzdYQlVNTWdCSk5tbTF0amV0YmpMaE1TLVJRckNvTHE0ZUN2NkFpNmhzendSckkxc05LczVieGlaemgxbVhUOWJ4LUNlSUF6VFhHUDBKbEJIRlFFNnVIZFE?oc=5) · philadelphiafed.org
- 2021-03-16 [Newfield National Bank Promotes Six - SNJ Today](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1ZU1lGa3NVQ2ZHZXljd01YUjZZNXlTeW5fSnd0NGxkODM5Q2RvTVJRQnVNR0dSRjdTQ3ZGRUJTWXFJM2ZVS00tdUxtRkRleWNBdE5MOW5ULVZQNFh0NkZFa0kxYTB4bDll?oc=5) · SNJ Today
- 2025-05-29 [Armed bike-riding bank robber sought by FBI in New Jersey - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSTRQalVTazE3N01JOWM4Z1ozZjFpUVAyZmxScm5TZkwxUFhSWmR4WGJxeXBGVmREVnlkZ1hnR0lyZGRKZnJ4aWc0SDZXUVVwNkdvOUtsTnNLc2F2bHFsU2pxbXl0NTBXM282V2xZQ19qY1JQMWhNWkpOWHRuVGh3eEtaT016ZjhlREdCenVMMEUxT2VOMWw5bUQ5TkNEc1JwcWhlajRR0gGuAUFVX3lxTE5ZTS1WRDlZYTFHRW1kcXBfVnBjLU5UbG9paTRNWVIwTzlXZnA2MGg2RDdaQkVjYjMtVkFlX0kxZS1fdGV1ZzJxeVZwVThYUmdfZzVMWEVpTnRHNkVMbGVuVUhFNE1GUng3RUU4Q2RBcWFPOXNCdEdFQ0xMd0RMbDQ3ZU5IalFIa3ZNaE83NjA2NDdkbjdrZ3ZVN1I1WGJDS0FXTDhHMzB1V21LSjM3Zw?oc=5) · NBC10 Philadelphia
- 2015-10-19 [Newfield National Bank announces executive changes - NJ.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQzFLVTFrNnBIY1kwZmk5RWhlNXlnSzRobkRnbWVpcWV3UllKbERPeWg5RWptcnBqU1F4M3MxSFNWajVvUXhwOGVKVWljMEtLckJ3NGltQlMxSTZxWWR5LXA4cE42RXczUVEtRTdhWjNzSUZjOXRnMzk4bHJTY0ZZcjhheWFRVGFv?oc=5) · NJ.com
- 2014-07-21 [Newfield National Bank Robbery - thedailyjournal.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQRDlhR0xySFJxNDFTUWpFYTJ1dHNabEpwcnQ0QXZRNkh1VHVJOGVSMncyUjlZWHFLZjg5dnVxRzhjMC04dzJua0RGTG50SkRjRFhNRWF6aFA3RDdLQ3pPbDVNdGxkWHZCSFU5Sk1jemZpeC1meFAzRlYwM1pDckx6eHZfZXlrMXlycE5BX0NXa1pGdTZocEZyRk1yX3oxUWVBTmd4NlZoUQ?oc=5) · thedailyjournal.com
- 2025-05-29 [FBI seeking suspect in Newfield National Bank bank robbery in Bridgeton, New Jersey - 6abc Philadelphia](https://news.google.com/rss/articles/CBMipgFBVV95cUxPOExaQWhMVVdsRGtyX1FGcVpNZElNc1dXV281WU5fT3pfOFBWVnF4RGllRDNmdlY1VEt4S3FoaFhmTU1LX3l3Q3Bva1h6X0VGZG41enlqUUtlUlB6azdqLVNNWWxOWHUtTG4zSUhHNVNaXzVybEE0WjZwZWFaZHMweGdWRnZqZlJrS3IyU0hxTzBBQTY1QmpOZzJwMXgzNlpKMXdBMXJB0gGrAUFVX3lxTE90dUZhTHZhU1VaRjQybk43MGZUY3ZTVVFFMnZYYzNES0hvcG9RUHNpOGx0MEZoZGlhTkNLektqMFBtM3UyZ0MxOVVXSEJKbU5idVJrVzdKODZTRGNPT2xOTkNDQXJXd0lQWEtfUjlVOXBBWTQ3RFpUWUlQUWd2OUt2cTFabm1BT011MHcyNU5yX0pDS3BJRmpJcVZPU2JUbDdHWXpadW1SbDk4dw?oc=5) · 6abc Philadelphia
- 2014-11-24 [District of New Jersey - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMipwFBVV95cUxQb1ljb004Y29LbWhtV1VfejJ1RmszLVk0OFJ3THRrZHVySjM3aU1FYWVCSFlUbHpZUXJEMGRWN1dVVXBOblM0SVVEYW91c1hsTW5HdHd5V09Uajh6T3ZqME1tZEVjaGVOamhNRHlVXzFPQmFVbTFrbk1qaFZoZllYZVlrSVd5Z1YyMmFpT3F5OFVLdWU5a1pKLWx5TE9qTUJ6S21wSHNGcw?oc=5) · Department of Justice (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14646 (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/54.json (key "14646", 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