# COLLINSVILLE BANK
CANTON, CT · FDIC certificate 18223 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $192.1M | |
| Deposits | $175.1M | |
| Loans and leases | $147.3M | |
| Total equity | $15.7M | |
| Loans / deposits | 83.29% (p79 of band) | 68.14% |
| Liquid assets / assets | 18.89% (p10 of band) | |
| Uninsured deposits / deposits | 20.17% (p59 of band) | 17.85% |
| Brokered deposits | 0.52% | |
| Wholesale funding | 0.52% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.19% (p9 of band) | 10.68% |
| Unrealized securities loss / equity | 2.04% (p46 of band) | 2.41% |
| AOCI / equity | 1.12% (p48 of band) | |
| ROA (annualized) | -0.04% (p6 of band) | 0.92% |
| Net interest margin | 3.21% (p34 of band) | 3.52% |
| Efficiency ratio | 91.83% (p89 of band) | |
| Noncurrent loans | 1.11% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 89.75% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 38.58% (p76 of band) | |
| Auto loans | $4.0M (2.72% of loans; DQ 0.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.1% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 4 | noncurrent p90 |  |
| 2012-03 | 2 |  | losing money, noncurrent p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 6 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 5 | expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2013-06 | 4 |  | noncurrent p90 |
| 2013-09 | 6 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | expense ratio p90 |
| 2013-12 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2014-03 | 5 | uninsured deposits leaving |  |
| 2014-06 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2014-09 | 4 | expense ratio p90 |  |
| 2014-12 | 4 | uninsured deposits leaving | expense ratio p90 |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 3 |  | uninsured deposits leaving, capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 4 | liquid assets <10% |  |
| 2017-06 | 3 |  | liquid assets <10% |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | reserve under noncurrent |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | liquid assets <10% |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | liquid assets <10% |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2020-03 | 2 | losing money, expense ratio p90 | loans exceed deposits, reserve under noncurrent |
| 2020-06 | 3 | capital falling, reserve under noncurrent | losing money |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 | losing money | expense ratio p90 |

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

- 2025-03-12 [Northwest Community Bank completes rebrand with new logo - The Lakeville Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQkR5Y1pYX1l2OVI1UDVWZDUtdDFmUktOZnpXMTJldWtsUUxTdFJfMTdFdE1YeTh0Q1BvNzFpVzZoZ0FPRkVLdHhEQTJVd2NlZ0Nzc0w4MzhoTEROeDhUeWs1aFRfTGNBSHNKSWFWcGpXcDlGWjRiZk83eUFSSEc4MThpcmgtZ1p2TUpfb1FB?oc=5) · The Lakeville Journal
- 2025-01-10 [Three Connecticut Banks, Already Connected, Will Adopt a Single Identity - Connecticut by the Numbers](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSGRCMGtXZXQzN0hHeF9YcFlRVzI2eWNLVU8xUDdDSFJiTGtPakpZbVBSWlgtQzhMOFFvY2NtSnVrTUxxNHRUUFRVRWt2dGZfLWtBR1o5WmJXRGJOejFWbmk0aFhyeXV0VEM0OFVyZ2xGZ0JOREN3LW10XzNRMGZWTXNWTC1PMGtvNkJoVXU4TndRdkY1Z1VzalhMcEFRdTNyRV9WV0syY2h4Z1U?oc=5) · Connecticut by the Numbers
- 2023-09-06 [First woman becomes head of Northwest Community Bank - Hartford Business Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcHRkY051d09qLTJwZ0h6SGV6MG94b1pCTENLbEI4MF9MRjM0enVfamNzOXVCX1U1VWhOUHNvTGhFSEc2YWJtWDN4TFBnT1IyNkNTUHVnVWdqVzlFeDA2aldBN3N2SkNEQ0Y3cHFlek1kZEhGTmFnempBTW9scHJSXzVoMFF3NWphNTRNdWRIYkZYbmdF?oc=5) · Hartford Business Journal
- 2024-06-05 [William R. ACKLEY - courant.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVk94NTdweTFkbTZlY3NZQmx2ZUxhakVOemVpYV9sTVlrTTFFSDlPN3RBZTg4Qlh1alhOLUYxLWxNcW1LVnByRU9sLVF2M1NTY1NNWFFmLWRTQWpNaEZ3OTRFdlZTU2p5Yi0wSmFseUxxU3RnbVRZdkVzOWE1Yk41TVJzeUNSYlBMQTBz?oc=5) · courant.com
- 2024-11-18 [Major Farmington Architectural Firm Announces Two New Principals - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPa19HYUJNX3l3Ry1DcVBxeVFLNTNGd0k2MFhXdndaWTJ2eVJhZm15QjJyVXh4aWp1U05QZ2x0bkhETFYyYXltbFp4MXVXQldJbF9XZHR2Z2VieTNMbENLQnZCS185YkJTVnJSbGpVTDliSWdSUEs4cnJPa09vcU5GSHBHSzBJSVI5ZlRKbEFQdzV5M1B4LVRvd2ZyOEJUQzVVeURJT3BmRnc?oc=5) · Patch
- 2024-10-07 [Nancy J. Grace, 65, Avon - The Collinsville Press](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZmVmRXhOMnBmVTJSRXBIazhxMDZfWmxfRVg2cEppelBhMi1Oakk4cnJYeHZnX0EyakUwZVNzQi1oWC1jbUxXR0F5Q3VKdXJTV1Y4ODNFQklxQmV1YlU2R1pPNWJRczBpWXBOY2JVRlRuYVhvdEttYlFkRjhGakR6MV9ZVl8?oc=5) · The Collinsville Press
- 2024-02-22 [Jill Ann Ayers Obituary (2024) - Winsted, CT - Montano-Shea Funeral Home - Winsted - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTE9ZbzJnUHJYM3RHLVNCM1VkSFRrZm5pOHlFWGV4T0ZicWdLZ0p1T2hvVnNqY0NvalllNG9HbFpWdTUwN3NQZWhaRHFEdlMyOFBiQ2hZYTY2ZThtS3ZnM3N5UHc2dWE1ako1YzdGTEwwSmN5RlJxY0xDTjE1TkYzZw?oc=5) · Legacy obituary
- 2024-06-07 [Nancy Donoghue Obituary - courant.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFB3WGlMTzJvNG80d0daM3NNYkxmbHlGOUZmamRQZ1F1ZjJURDl3alZUbEI0bjk5Q09IYU1lMkI2dmY4TmRtM2pmMmR5eVBNUHNNRzlGZmVnOXVfcFhiRmxVZVFSbUt3UG0xZENueQ?oc=5) · courant.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18223 (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 "18223", 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