# ONEIDA SAVINGS BANK
ONEIDA, NY · FDIC certificate 15975 · asset band $300M-1B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $815.6M | |
| Deposits | $709.3M | |
| Loans and leases | $400.6M | |
| Total equity | $96.9M | |
| Loans / deposits | 55.99% (p11 of band) | 82.48% |
| Liquid assets / assets | 39.81% (p80 of band) | |
| Uninsured deposits / deposits | 9.02% (p10 of band) | 19.89% |
| Brokered deposits | 0.35% | |
| Wholesale funding | 0.35% (p15 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.37% (p30 of band) | 10.12% |
| Unrealized securities loss / equity | 5.26% (p90 of band) | 1.17% |
| AOCI / equity | 0.14% (p58 of band) | |
| ROA (annualized) | 0.56% (p20 of band) | 0.92% |
| Net interest margin | 2.79% (p9 of band) | 3.59% |
| Efficiency ratio | 87.17% (p91 of band) | |
| Noncurrent loans | 0.08% (p9 of band) | 0.75% |
| Net charge-offs (annualized) | 0.01% (p36 of band) | |
| Reserve coverage of noncurrent | 1039.88% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 11.96% (p20 of band) | |
| Auto loans | $49.8M (12.43% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 342 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | expense ratio p90 |  |
| 2015-03 | 1 | capital falling | expense ratio p90 |
| 2015-06 | 2 | expense ratio p90 |  |
| 2015-09 | 1 |  | capital falling |

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

- 2026-06-30 [Anthony E. Pulverenti Obituary - Canastota, NY (1944-2026) - Oneida Dispatch](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWWFPTnNSbGd2eDFremtsemVFTjNGT2NjSXk0MFhxRC12NTlpNi03MWNfaExKWWVMdHdkS045TWVfNm42ZEJqVW5IQ0pvWUI1WkJtcEVpYUg5dEp3cFYtQ2ZFSEUxR2ZMRXpBTTJ4OTRfLU5sUmwxN3M5ekpvcFBxOFMtQQ?oc=5) · Oneida Dispatch
- 2015-02-25 [DeWitt-based Community Bank to acquire Oneida Financial - Syracuse.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdkhnSHR5ZzdwN1VIWm5BUDF1X3UzQUc4MzRKZkZKQ1FvRHBfYk5QT0MxaWJCVDlVcUdlekFoYlNYUFYyRFRPbkdqY3BFRnEyVmUzbnRmcU1vRU9oUG1kMEVwLWtmZkxzWlRHN0FTVHBqSzVWVlROd2RUWUFlV01YazY0aWxUR0tDLW5n?oc=5) · Syracuse.com
- 2025-12-12 [Theodore J. Southfield Obituary (1952 - 2025) - Oneida, NY - WKTV - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdFJqdGJVVl9XUGZYRGZvWHJXd2hzdWM4eldjdVJ0WlZJdDltRFZ2bkJtTjQtc2M5TWxPMmlKd0JVaEtSX2xpTEdKOUhJLXFLeHl1Y1hJS2JtWkhJcjZiMUEtUjc5bGZteE9ZOUtHS2JaUE1LZEhBck1JcTJ0cXlQZm5nam9JRUJ5TlJTVjFwemg?oc=5) · legacy.com
- 2014-09-15 [Friends of Murder Victim Started Online Fundraiser For Her Children - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxOVDAwMTVLYWQ5Y2d5dTRha0x2ZTdvaXVnRTlkck44SFc5cm8taUpXbkdlazJCc1dkeVctalFCemhuSzRpX2RzUVZhdjBUOGpNS0RFeEJYNHF1cS1rZC04aWpOUFB5UkQ3bTFnRWQ1aGwybzJYdFBTWkpFUW9LbG5JWHNISl90QjVXRzZYN21VdGFuQkVJVEx4MkVWeHBCRUxI?oc=5) · Patch
- 2016-09-06 [CNY officer spots bank robber; apprehends fleeing suspect in Dollar General store - Syracuse.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVzFocllrN011Z01BazJEUEZpOVVUTy1jblE5R05rU1FMdnkwOFd1dHJqejQxYlpKZ2hKWmlnLVlxdlpHNnBGQ0tWOEhiTGVOZTdFcndVMTZ1RGRQa19zenA4d2Y3MW5jcFczWlkzSk4yTG1IMTl5MXlPUXh6VndpRWFQb2xyeWVPbGIzYzhPZDAyQ2lSMmlKNWxGYi1lNWh5QlFTbndUdzNmWTZvVkNYdE43UWxnaWs2eFd6S1E1dw?oc=5) · Syracuse.com
- 2025-07-02 [James L. Lacy Obituary (1944 - 2025) - Oneida, NY - WKTV - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRG5Ed25hNUVfcGdDUU9lM0s5YlJzc1NzdTNXMTJyZ3I1MFU3QlpuR0M3V0xZZWpHRnBGOU5sam91WjZpMjUyQmxPRk9SaG1aNzRiOUhJVWxFZkJqeWk5ZzY5WHFzeXByci1nRlYtelVsSWF3alVuOUNsX1RDRjRHZnpEbE0?oc=5) · legacy.com
- 2014-12-03 [Female Chittenango bank robber is rarity, but her arrest is not, expert says - Syracuse.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZldRV3JDelFZYURPUk9rWVdQTU40OTc1WURfdWpZWFlWZFlvMDBhdXp6b3BxM3k0aWZFSV9zRUFUQklsU1g1cnFIQjJIRHlTV05fakNHTjJhU1J2bXRYRGlIX0pIN3RpcFRsUEJtTFVwNldOUzdWSEdnV29aOVVsOXFyVE0tY2tLSkU1NENQMlcwODh0ZHdLVmNRb21ucVFpS0I3MVNZSllKc3JFWUZZRlhZQXhneTFi?oc=5) · Syracuse.com
- 2021-10-08 [Diane Karan Obituary (1953 - 2014) - Oneida, NY - Oneida Daily Dispatch - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbVdkdkQ1RXdFRFNBMk95UFZPcWs4MHFUcW1qdUJCSzhhaWNYZ3BlS3VzU2hzNzYwWUhqbFIzZlprempadGg5Ym9TZ3d0NGJnVGhRa3o0TktfQ3hkQXJUN1ZJazFVWUpxUVpQOWlTcXNLN1pEaF9BTHhEb1VzTll0b3ZabW1NYWdjNjlhWFFqS29KMXc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15975 (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/39.json (key "15975", 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