# JEWETT CITY SAVINGS BANK
JEWETT CITY, CT · FDIC certificate 18237 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $493.9M | |
| Deposits | $400.6M | |
| Loans and leases | $406.4M | |
| Total equity | $69.5M | |
| Loans / deposits | 100.48% (p89 of band) | 82.04% |
| Liquid assets / assets | 12.45% (p10 of band) | |
| Uninsured deposits / deposits | 11.89% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.84% (p52 of band) | |
| FHLB advances / assets | 3.84% | |
| Tier 1 leverage | 14.41% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -10.42% (p42 of band) | -8.10% |
| AOCI / equity | -0.13% (p65 of band) | |
| ROA (annualized) | 0.32% (p7 of band) | 1.28% |
| Net interest margin | 4.49% (p82 of band) | 3.91% |
| Efficiency ratio | 75.79% (p83 of band) | |
| Noncurrent loans | 1.01% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.74% (p98 of band) | |
| Reserve coverage of noncurrent | 95.54% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 51.49% (p57 of band) | |
| Auto loans | $17,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 90 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, reserve under noncurrent |  |
| 2016-12 | 2 | uninsured deposits leaving | capital falling |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2018-06 | 2 |  | loans exceed deposits |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 | loans exceed deposits | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2020-03 | 3 | losing money, expense ratio p90 | loans exceed deposits |
| 2020-06 | 3 | capital falling | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 3 | reserve under noncurrent |  |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 1 |  | expense ratio p90 |
| 2021-12 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2022-03 | 4 | charge-offs p90 |  |
| 2022-06 | 4 | noncurrent p90 | expense ratio p90 |
| 2022-09 | 4 |  |  |
| 2022-12 | 1 |  | capital falling, reserve under noncurrent, noncurrent p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 | capital falling, charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | capital falling, charge-offs p90 |
| 2024-06 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2024-09 | 1 | charge-offs p90 | loans exceed deposits, reserve under noncurrent |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | loans exceed deposits, capital falling, reserve under noncurrent |  |
| 2025-12 | 2 |  | loans exceed deposits |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 3 | loans exceed deposits, charge-offs p90 |  |

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

- 2026-02-11 [CT bank plans Mansfield branch near UConn campus with $2M investment - hartfordbusiness.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRTNvUk5zWVZZdlI0ZGlVZnhmaHpvMjR4MC11dXZkeWNOaE5lNTVqRnFjWVB4VDZJMXZ5bm85VW1uS3Jjb0UxTllUSHlwOUdwUkVTNXY4Z0V2cXg5UmhWSnFOd1VoS3NBcjBBRUZTZWlBMGpPR0NZV3huQUdrUEVOeVUtc2FuRF94VExLWC1Sanlnbi1kNDVscGVFR2NqWUowYkNuV1EyTTA?oc=5) · hartfordbusiness.com
- 2026-09-01 [Jewett City Savings Bank Foundation backs Griswold playground - Norwich Bulletin](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdUNOSWNsU3pzbnRSOHNDVlBqVGVyTm9RV3FNRGdySW00a3Flcl9tcDh5WERDeTg0X0E0OVVXLWdmWXpfOTRzcVZ6NzBQYUh1cWxLMnR4cVpsMURTUXR0WFNVOGVWVXVqUU5pTjVjcC1hWG1iUU8wUWs1TkU5TmJtb0stMmRCRy02MDl3QVR1VWZNQXdMYXhrUERUYlRFZWFtakVKSThYOVpEZkkzaU1TRFJlb21faFBNbWhDYUx6R2xaRWhhVUxsejF2WGw1QjZzaWQwOC1uTDAtTnlUb3hkYmJQVHo?oc=5) · Norwich Bulletin
- 2026-04-22 [Jewett City Savings Bank announces addition of Lisa Gencarelli to team - Norwich Bulletin](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNTlo4LXZXbjNBdXZKcTFQcHA2LUN1Q2pMek9tWmZTQU5MTWtOQ3FFVTF0V2tlTFVvTjFvb0NQN194c2tsS2ZXb2pmaEJUNmlUcEU3QnlPaGNHSnEyb0s0bU4wcEx6MUV6aWY4bTd0OFVGQjFxNVhEUHd4b0NJSFVtdE1FdlEzN2l5enpkVkRIX0FVOXZoYjBMTXZKOGw5TjA3bFdLb2xmYUxjZXk2NldpQnhYQVA2bm5fUFg3SFlNaVIwMk43Z0NvM0RoUHBBQVozaktqczEyWlpWSmYtRnphZEtRVWk?oc=5) · Norwich Bulletin
- 2026-03-18 [CT Banking Department approves new bank, credit union locations - hartfordbusiness.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRzl3LWlxdFNXYmJPUmRmNzdBNkpQNlFab3BESVJRcUFFWktab2VKYWEtNzJrZzVheHZfSUNBRDhLX1VoV1NmUmh2Y3lwLWZQTUJpY1puVWUyLU82MUJBWmZ2aVhmeE5leGpkMTVuTHFmT1gycEFOaDJIcDk4emxzLWFlNGo4c3VibU81WUpwRE1kbTB6Mmc2VEZfY1o0dVBLMWc?oc=5) · hartfordbusiness.com
- 2026-04-07 [Jewett City Savings Bank names Sunil Pallan commercial credit manager - Norwich Bulletin](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNcFZHQjF5NnE0aGZpQkxlb2VCa2lMM0JxTDlOazVMOG4ydllmYTdqUVZxbUVMY1VJeE5uSVA0dG8zSFJOOEtfNG1DZ25IVGhLd2tQZUpSZFpqYzhEOFVqYnpCOVlYT203bEMwSWlPMl9UTEtUSjV6bXlBYUx2NjF1Zm1QZHpZMFBZVzZqaWZYT1oxOU1PUDJGNTVPc09GRnpQa3dLN3R4dE92XzdlRkJIOW9YNFBRYzJmZERBNFNIdGF1d0FyX0E0ajBKVVlIWWh4MzlId3VCUVRFY0VJ?oc=5) · Norwich Bulletin
- 2024-06-03 [John Couillard joins Jewett City Savings Bank - Westerly Sun](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQblNTaUZRMTdGNHpoclhlY0JKVnE2cnVnY1A5RkYxSFJjYi1iazgyVFJmUDZ3UGlhbEJ6a3VUQTdabndCUDVnZDB3WlZvS1dZbVp3Z0FlbjhkaDNDSGNnZVRGUXJuODFjVThuT0E2NDkwZGNrdUN2NHFwdzV4U2VyZDJuTEN4WnlrVU5mSFc0T21tLUF3WXdBa25MaXEyRXBsMHRHVnF3UFlITW1JbVh0T1BubG00NVdNYjFGLVhCYzVDVTdaWHczRnJHR185eFpWcG9lMGcxS180UQ?oc=5) · Westerly Sun
- 2026-06-17 [Jewett City Savings Bank CEO named business leader - Norwich Bulletin](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQRHhYN2xkemJvaUd2VHpwRkgxNWlyZmQtMGJaZHhjRjRtdDJTRXp2M19JYWg3WkpmXzFmT0NUeUd4SFV6aUJRUUVvYlRWQkVhUTJlSFU0c1lKMC1SN2txc0g3cEhWd2lsVTdiVVZyVnM3MnVCMDVkc0tBS1lDNWpRVWxGLVEwUWhTclhqOVFoS2FDRjNTTUUyR1NMdmRQRlBhd0V1RWJoRnprN1VpN0tweGZIU3RCVVdvY19zU0p4R0dkQ3IybC1NR250YUd5STZUTlJsMkZMbjRfRXAzaUo1dzcxbEFSRndrWlB0NmlfejhpT2M?oc=5) · Norwich Bulletin
- 2019-11-21 [Jewett City Savings Bank expands to coastal Connecticut - Westerly Sun](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQT19Fb09JUlIyYk16bzNSSDRLNlZKdVZPTy1acVUtaWJKMnotb2RFSmgtVzNTeXA3d2dPV25qdm44S0ZfUjdVNnBKQ1VWeVJWMWVOVVdZdVpHaXBneWs2NXE2T0Vld05HVThPSHN2MzF3YzdZZklxWlhBTmwyd0R1TG9zOU1uVDFFUk00UVM3cHhUVEtuZVo1VTBHcFU3X05DVGRyOTAwR0tURlVBVzVTNFcxSzM4blpzbzhKVXA1TG85WURmR0cyaC1iS2Q3NzZKQjcwU2duajVoNzhJcGU1VjQwd0RfcjQ?oc=5) · Westerly Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18237 (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/61.json (key "18237", 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