# NEWALLIANCE BANK
NEW HAVEN, CT · FDIC certificate 18261 · asset band $1-10B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $9.03B | |
| Deposits | $5.47B | |
| Loans and leases | $5.19B | |
| Total equity | $1.32B | |
| Loans / deposits | 93.97% (p84 of band) | 79.40% |
| Liquid assets / assets | 32.28% (p63 of band) | |
| Uninsured deposits / deposits | 15.87% (p44 of band) | 17.70% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 24.12% (p85 of band) | |
| FHLB advances / assets | 23.03% | |
| Tier 1 leverage | 8.97% (p47 of band) | 9.08% |
| Unrealized securities loss / equity | 2.96% (p70 of band) | 1.08% |
| AOCI / equity | -0.23% (p22 of band) | |
| ROA (annualized) | 0.78% (p56 of band) | 0.68% |
| Net interest margin | 3.05% (p23 of band) | 3.63% |
| Efficiency ratio | 57.69% (p28 of band) | |
| Noncurrent loans | 1.46% (p28 of band) | 2.65% |
| Net charge-offs (annualized) | 0.08% (p22 of band) | |
| Reserve coverage of noncurrent | 73.04% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 11.60% (p18 of band) | |
| Auto loans | $2.1M (0.04% of loans; DQ 7.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 1093 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **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 |  |

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

- 2011-04-15 [First Niagara completes NewAlliance acquisition - New Haven Register](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSmhiUlBFZEZfTGo1YW1JOEJvUTY1S2FfOXA4S0Q0TWtMSnItdG1BREpqNEJiVWtJZXNPaXJYUEhmVEVPb2UtUHQ5N0s4T2JtV3otTk5sSUFvbE81Y3RvV0JfR0VGcklINjJLbUlXaXFoUFNYcGtraW9XME90XzN3bl9XZnBUMmM2cGVrTFoyci1QZWhvUTk2RTl1NURvN2pwVGc?oc=5) · New Haven Register
- 2012-04-19 [Former NewAlliance CEO taking over at BNC - ctpost.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOdFlKcUVsT3ZhdkkwNkRXOTVpVW9MZmgtN01wU1ZTN29NQnYwTTR6TjF4WnZtOHd4VDFkT3k1R2JfVnZReko5Y2FPSEFPdmdya0cyaHI0enZGRWhoTmJYUExVWWxISmozZ2RLb1M5Ym16eGJWV1NrYnlyb3J2WWVZMjFQU3lrMU45YzBaQ1BVVnVvdms?oc=5) · ctpost.com
- 2017-01-16 [Peyton R. Patterson - American Banker](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5nb1lmc183YmNmckEzYmpzR1JCMjNybHlYNjl2ckRxYXNleDhZdHRPVkdvaXZrM0Fsci1oY1dlemZjQ2Fnam51VnFSZUJlS1IwalEtdlVPUVpTQWRGaV9MZDNhcmFUX28?oc=5) · American Banker
- 2011-09-13 [NewAlliance Castoffs Finding Safe Harbor at Rockville Bank - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQmJrak5YdnVSbkVMRmpVVzNkMHRwNW9Bck9FQVI4dE5IMW9iWUtNclFzUmV2RVlQVkEzZFptX09mT3NUakRIci0xN3kxeXNQVlItN0F3eDJ1YW15SkhTbFNSNnUxZGx4VFhoWFBudXZBSTQtM2RpNDVaajNzSjAxZVBQOVktenExN0llN0tYX2pyM0pmN0g5czR5eUpWMDR4?oc=5) · Patch
- 2013-04-30 [Stamford’s CT Film Center airs $2.5M bank line - Hartford Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOYWUzQ01CYmM2YkRCZ05wekt2SzYzVjRGeHlhM2l4ejROanFTbG5lN05lRllFcll2bUlxXzdRUmJteGtITlQ5NlBRZWpfcFFWLUFkUW1VbHhkZHZHTXdELVpxT1dHclVuWWNncERwRjRoNGhndTdZSHNRQ0FicjdMQXhhczloVWFr?oc=5) · Hartford Business Journal
- 2011-01-19 [Obituary information for Francis J. Martin - Wallingford Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE5tbVVES3dMMlhLZHBmVC1CU2w5bV9XOFVwRi1RbHJUOUZyTm5xZ1RzVlRBdkM3TW9jalZGRnpNeFZnUzJJZk50WTR1TUwzcnVKWVE5TFdORDE5T2pkVXVrTklNSHB6bTY2aGgzY1o2bEJvWUxTdWFFNFlXVQ?oc=5) · Wallingford Funeral Home
- 2010-10-15 [Follow the leader: Award winner urges others to seize potential - New Haven Register](https://news.google.com/rss/articles/CBMioAFBVV95cUxQQ3B4WlE0dE5oa28tRzBsR2ItQzZCdmVGLXpmT250OUdhbDhKM1hLQWJESU91S0QybWVwRTl6bkxoQ01FeUhYdGtYNkJIVVdCM2c5NUtGUjc4ZTVIWUlGZnVGNHM3YWpMWnFub1cwd01SY19fVmFaOHh6X1hXUzdQOXBpTzhKSXA5SWFObFYwVnlXRnVOWVZrZW81OW1mMW40?oc=5) · New Haven Register
- 2012-02-07 [Union Savings Bank welcomes Tom Cugno as vice president of project management - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxONjBjQkwtNHdnU3ZjRUdFcGF5LVVMYzlUR203aWpEazFvUzhNdTROdHl2ZHRSMG9jalcxZjNpVUFuVlRFeDY1Uk43T1laOG42QXNsdGpFMU1UdE1RRE93cEdWZFRfNE9TSndBQVBkZWJraHZ5UElCTmxDNnZxU1FxSDB5VWpDem1kbVhqcWZZeTRGT24zczM4enkwazR4aHQtb1E?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18261 (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/21.json (key "18261", 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