# PCSB BANK
BREWSTER, NY · FDIC certificate 15995 · asset band $1-10B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $2.10B | |
| Deposits | $1.78B | |
| Loans and leases | $1.35B | |
| Total equity | $289.8M | |
| Loans / deposits | 74.81% (p24 of band) | 86.81% |
| Liquid assets / assets | 27.24% (p70 of band) | |
| Uninsured deposits / deposits | 26.80% (p39 of band) | 30.18% |
| Brokered deposits | 4.60% | |
| Wholesale funding | 4.92% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p48 of band) | 10.28% |
| Unrealized securities loss / equity | -2.24% (p83 of band) | -10.98% |
| AOCI / equity | 0.11% (p18 of band) | |
| ROA (annualized) | 0.63% (p19 of band) | 1.04% |
| Net interest margin | 3.02% (p26 of band) | 3.46% |
| Efficiency ratio | 57.32% (p36 of band) | |
| Noncurrent loans | 1.00% (p78 of band) | 0.45% |
| Net charge-offs (annualized) | 0.21% (p85 of band) | |
| Reserve coverage of noncurrent | 120.85% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 17.30% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 165 | |

## Flags firing in the latest filing

- none

## 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 | 2 | NIM <2.5% |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | expense ratio p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 | capital falling | expense ratio p90 |
| 2013-12 | 3 | noncurrent p90 | capital falling |
| 2014-03 | 2 |  | NIM <2.5% |
| 2014-06 | 4 | capital falling, NIM <2.5% |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 5 | capital falling, expense ratio p90 |  |
| 2015-06 | 5 | losing money | NIM <2.5% |
| 2015-09 | 3 |  | capital falling, losing money |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | noncurrent p90 |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 | noncurrent p90 | expense ratio p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | reserve under noncurrent |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, reserve under noncurrent |  |
| 2022-09 | 0 |  | capital falling, reserve under noncurrent |
| 2022-12 | 2 | losing money, expense ratio p90 |  |
| 2023-03 | 2 | capital falling | expense ratio p90 |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | losing money |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |

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

- 2026-02-24 [PCSB Bank is now Beacon Bank - Westfair Communications](https://news.google.com/rss/articles/CBMifEFVX3lxTFBhSnFVSEQ3RHdRWmt3QTdJMjlRcWxkUHFZOXN2eHJNa1FYZVRRNGxHMGhWTEV2bTcwR3RPQVZYX3JHd3RheU1JVDYyOUoxVF9UZDFaV1hHS1ZPZkVmSThnTDRzbDI5Tmphb1hIQVl4NVhlRmtKY2hlcjgxcUs?oc=5) · Westfair Communications
- 2023-01-04 [Brookline Bancorp completes $313m acquisition of PCSB Bank - Retail Banker International](https://news.google.com/rss/articles/CBMifEFVX3lxTFBPdFRfN2dOUUxWZm5DMHoxakNrSmIwR08teFRObnM3MlBwd051UTRNRWRCTjN2RS1EeGVKOU1vcTBhYkx3NWIxTUVTSmhVWmg5TjdJNXl4aHpkQzEtNWJOX2F4Ynl5VnJkcXQwZVNrajJtY2VNQ0cyYUk4OGQ?oc=5) · Retail Banker International
- 2022-05-24 [Brookline Bancorp to buy a New York bank, adding charter in new region - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxNS0NVVks1OXU4UE4zWk9iN1RxUTU3c05nR3NobENGM0pHVnpkMDRBTnF1N3lwMHNoVktTcGtRWk51SlZiLXR5QVBxWXFub2hiWElIeTdDeXloYkZxQ0oxTjJZS3ZnNG9OWUtLYWc3UlQxMjdNREZxQ3R2dUdaV1R1SUEyOFZyaWxyZzJMNjlZcmVPc2Z4Z2RnMTVJSVExNDFFMWlTN0NLMXBFd3FYZFE?oc=5) · American Banker
- 2023-01-03 [Brookline Bancorp, Inc. Completes Acquisition of PCSB Financial Corporation - Yahoo Finance](https://news.google.com/rss/articles/CBMikwFBVV95cUxOTldfNmxNYkJsOFRUb1dFN0FyR18zdWJYRTU0M1pKVUNWU1NRTHlBMWp5aHJWNERmZUpJWjBHcW1sVWNhMWVPSEsyQWthNVJoWkpWSGNRYmNyNDRmVmJyWnA0MWlxQVJUT2VJbE1OYUlDTlNlb294YkZCR0JKa3c3cU1FWEZKLVlyTVYwczVkN0VnbVk?oc=5) · Yahoo Finance
- 2021-02-22 [PCSB Bank (NY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiekFVX3lxTE9GdVM1WHNnUTZfMDBBMlJuZTJsdlRNOTBQUzFSRzdwZnluTTlwWTllXzFLSTFSc25nYWtSdUpsQWxMaVBLWTc1VHVqYnVMeUQ3U05Vb1hiZmFIVDNkTFFVMkIxVmhNa3NDd0NhVVROQnhGd3owc3hKdnZ3?oc=5) · SmartAsset
- 2017-10-17 [PCSB Financial Corporation And PCSB Bank Announce Stock Offering Results And Expected Closing Date - PR Newswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPRVl1MEZGcnhBVWQxamZtR0VCQzFuMHdabmFFTFZFOVpMT2VyQnVEQy1zbTdIOWRKQ1M1eXJHYldwdklQLU9wV2JNcUtJZzJuVEdnd21ZUmRmUWRNb3dqemUzcGw2MDJuWWNzQ1hWQTZfMGhyenpBU09Lam5XdnpJT0RoXzg2YVNNbWdCTU1vcHlseGFHOFFNUElnVlVaS19qdGduNlJJbXVSR2JqOEwtRWNiTmhVTWJnRzBNYnY1WG1CV1NtUnJTX0VRdjA1bWtoMXJXMklLei1IZHRhVDdEcS13MGJlRE1CaVE?oc=5) · PR Newswire
- 2021-08-26 [Michelle A. Nicholas appointed SVP at PCSB Bank - caribbeanlife.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQa0FXV2lJVi03V1ZkOElONUxudldLZHZpU19VeUYzMmNMR0VST25DRmNMTTV4Wm1TVG5zWnV5YmtoWjUzck9BRDBVTkxNLUk0cjhocDJKOEN5alBOM1ZOTUxnMl9YVjRYdTNMVURISjF0dkt1RlNlcWIxdVVsNDZSVDI1Rjc4dXdlaDU3X2ZZUGJIeThPdWFQb1hNTGVkenNFYnA2NS1lcFVmdjA?oc=5) · caribbeanlife.com
- 2022-09-20 [PCSB Bank opens new branch in Pawling - Westfair Communications](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWUxTSlJQUFRpLXI5Qi1uWVZfRUZEX0Q0LWxKeDdtNUladFBYaW5MT0Y5WE9vWHg2UTl2a1JOeW55c0F3cnB6TlhRSHU0RnZtYVRQNTBNOVAwQ0xvVkZtdXNJSW8ySEtfektyNHR3WXJWSFRCbS1lLTFoQzFuSXEycEQ4ZGFvOTNn?oc=5) · Westfair Communications

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15995 (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/59.json (key "15995", 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