# ROME SAVINGS BANK
ROME, NY · FDIC certificate 15983 · asset band $300M-1B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $319.8M | |
| Deposits | $231.1M | |
| Loans and leases | $262.9M | |
| Total equity | $29.3M | |
| Loans / deposits | 112.71% (p98 of band) | 78.23% |
| Liquid assets / assets | 3.23% (p0 of band) | |
| Uninsured deposits / deposits | 21.52% (p84 of band) | 11.67% |
| Brokered deposits | 0.08% | |
| Wholesale funding | 9.46% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.56% (p58 of band) | 9.23% |
| Unrealized securities loss / equity | -1.41% (p18 of band) | 0.92% |
| AOCI / equity | -0.60% (p7 of band) | |
| ROA (annualized) | -3.50% (p2 of band) | 0.63% |
| Net interest margin | 4.39% (p86 of band) | 3.68% |
| Efficiency ratio | 230.84% (p100 of band) | |
| Noncurrent loans | 1.44% (p35 of band) | 2.23% |
| Net charge-offs (annualized) | 0.07% (p34 of band) | |
| Reserve coverage of noncurrent | 65.75% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 4.99% (p8 of band) | |
| Auto loans | $6.1M (2.33% of loans; DQ 2.22%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 92 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, liquid assets <10%, losing money, expense ratio p90, reserve under noncurrent |  |

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

- 2020-11-16 [Ronald E. Eggan, Sr. Obituary Nov 16, 2020 - eneafuneralhomes.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1iQUJOSl80Q0stUTBhNEwwTTNlQXU5QkFxX0tZQVNwT21jQ1l5ajQyQ3JHRzE0ZDZ6UXFyY1ZPbXYwaVJLZTJ1ekkyZUdoMkZCa0tnTFFFeTVNQ01JS3FGUGNoMWRxbXU2bWJN?oc=5) · eneafuneralhomes.com
- 2014-01-11 [Bank of America Exiting Utica Area on Friday - WIBX 950](https://news.google.com/rss/articles/CBMicEFVX3lxTE4yZGpvZWRGSFdVbjRFeDNUMjdBRW4yYlhpbWZKWUFSWEVSY0daTEpkVXYydEpIaEZyNVh6OG9fcHZuYUxXbDRFcnItQWlGcm5sd1lBTnNaWWR1YTl6Q0pyZ1hWWjNlMWtPUU1TUy04eno?oc=5) · WIBX 950
- 2026-02-24 [Anne Wood Obituary (09/04/2026 - 02/21/2026) - Liverpool, NY - Syracuse.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWlkwcHBfaXAwUUZ5X3JUcWZ1QzRaMWEtekNrNE9pUGk1cDdwWmJLbnBXdEI0TTFmTjVpdzBsM0VhU3Vndzh5U2ZKOEpQdm1GNXRGVjVBcGtiNTJMQkVaWmJaWERIbFJXX3F4MWZuTG9nMXRoeHAzVVVaUmNRXzFLUS0yaXVENldxcmVNQWNn?oc=5) · Syracuse.com
- 2025-07-28 [Rose D'Ambrosi Shoemaker Obituary (1932 - 2025) - Rome, NY - WKTV - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdXhReTVrWlUtdkdQem4tZFNPZ25MRUxRZWRieHBDZ0dmSHdENUNSSjItREpmbTlEVDAwZ2hDbUhEalppbS1kZ2ZHbzZRVlMxSTFHQW5kTWpJQXVrYkpnMG1EWERoSjluZVVnWGtndjVCeVY5RXpibTZfZExnZDRDYXlmdW9pbEJKT1E?oc=5) · legacy.com
- 2023-04-02 [Richard Woods Obituary - Williamsburg, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbzBOSEw5MWdzX3VLZHBTVEF5X0p4dTBMeE5VOE1CczhfVGRvQkYxTHNtNU1pWktPZWFJSFJWc2E1czQtdzBWMENKQjZ5RkpNdXF5Q04zSkZ4RWFwMnozR09ocHBHelFQN3VuMi02OHo5dkpFeUdDX1hBM08xSC1qMnZhMkpRMkRK?oc=5) · Dignity Memorial
- 2026-05-13 [Lynne Rasha Obituary (1959 - 2026) - Rome, NY - WKTV - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOakN3b0tXREpLaTlpbm9SeFNzTk95aUdnNTVVQldELWNzVWlrZ2RzSUZFU2tlTzQ2VjRHekZfRGFzOVdxUklyYlZ4b015LTZzRC1Nc2F2Wk1EUERTRERBRzVpb1NJMkZjeE9hTWRTaXk2UjNKUEtUTE9xUFQ5N3Uzdm1RT20yZw?oc=5) · legacy.com
- 2019-07-12 [Anthony Bauer Obituary (1936 - 2019) - Rome, NY - The Observer-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPdzllM01Bc2dPSFBvOVJZZ1RuZ2F2VG14blNVandKRzc4aWxyeUI5a0tiN2tDUU9NVEJqRVExb1F1VEVqZjUwT2tJb1ZVTEhjdjZ0R2x5N21UQnEzTHdFN3IyZnFsV0pib0JfVFd0a1A2UTQ0NF9sMGFaVDlxSEhHVzJWaExaNjY2a01EVw?oc=5) · legacy.com
- 2024-01-24 [Jeanne Townsend Obituary (1948 - 2024) - Rome, NY - Daily Sentinel - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZGJNTHNjQjBwVlNvMnVjR1dEdXVpMVhab1NzMDgwQ3gySWQ1MFkwMzc5VlVPOWE2MFRDeXR4djd5a0Z3RXlVb010TjVzS3YwdHgySG9wUmE0UGExWUhVRDByVVMxb0VKdnVIM0ZHcWJ0MkNvNV9USm9qZ0JTRWxzUTh2T3p1d1NHVkxmSEV2VXI0bDE0ZEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15983 (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/47.json (key "15983", 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