# STATE BANK OF LONG ISLAND
JERICHO, NY · FDIC certificate 19695 · asset band $1-10B · latest filing 2011-12 · 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 | $1.60B | |
| Deposits | $1.38B | |
| Loans and leases | $1.16B | |
| Total equity | $175.0M | |
| Loans / deposits | 82.41% (p58 of band) | 78.14% |
| Liquid assets / assets | 24.46% (p36 of band) | |
| Uninsured deposits / deposits | 31.40% (p84 of band) | 18.31% |
| Brokered deposits | 7.17% | |
| Wholesale funding | 9.11% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.97% (p63 of band) | 9.37% |
| Unrealized securities loss / equity | 1.49% (p28 of band) | 3.83% |
| AOCI / equity | -0.01% (p24 of band) | |
| ROA (annualized) | 0.86% (p57 of band) | 0.77% |
| Net interest margin | 4.31% (p83 of band) | 3.68% |
| Efficiency ratio | 69.27% (p63 of band) | |
| Noncurrent loans | 0.78% (p16 of band) | 2.15% |
| Net charge-offs (annualized) | 0.69% (p66 of band) | |
| Reserve coverage of noncurrent | 239.94% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 29.48% (p43 of band) | |
| Auto loans | $11,000 (0.00% of loans; DQ 36.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | – | |
| Employees | 239 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |

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

- 2011-04-29 [Valley National acquiring State Bank of LI - Long Island Business News](https://news.google.com/rss/articles/CBMie0FVX3lxTE85YXVwVlpDU19BTHctWWVpX2hIZUlGbVZDczdveW1RVDRyOUIxWUZsRnp4MjZXUHg5TDlka2lCRHBLbmM4SnNXVjBrbnRLSnBBa2tWbm5hRm96NHFjMGZnbE83WWxDclBWRjhCMFN5UG5IWjdVd3lWbTdpVQ?oc=5) · Long Island Business News
- 2016-03-01 [Empire National Bank promotes eight of its bank employees - New York Real Estate Journal](https://news.google.com/rss/articles/CBMiQ0FVX3lxTFBqSjZ4WkJuUmE0eFpTNFR2RS1UNE9mYnZpOEZfa3hUUmR2TXFneUk1aGZkcGVIRmoyUnRRRG1ydDQ1aTA?oc=5) · New York Real Estate Journal
- 2007-11-27 [Ex-Commerce CEO launches investment group - Crain's New York](https://news.google.com/rss/articles/CBMipgFBVV95cUxQUVVhdThOcXZmaXNockxINUZMc0piZG05d3BJZDVZaFJkUXUtN0lxRUxORUtKdUNNOVgzUkl3akVFMDFyWTYwWVpfNG9XNlduby1XUE4zNnRRWW1MVU56bFRsY2IxcDExZ0NSb0Y4cE02YVZYS2JRemhwTlJqckRhYUlDWnhDQVdMQ1ZwbjRoaXc4UTFGNlFwTWoyOG51bkhDNnBaMjNB?oc=5) · Crain's New York
- 1981-12-24 [The acquisition of Oneida National Bank and Trust Co.... - upi.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOeEUzcm5ZVWltQTBXcFo2c3hhcGlELWRraHFOempwWHMxZ1puT0RGdEw0aDlWQm5CYVE4Wi1ka29TYmtkVFZmZ2pmb05jdlB6Q2FjdVBzb1czMmlFU2ZNYVFiRlk2T3ZhNy1WTzdDWUxZS0lDd2lCcGsxQW1uMVp0a0kzOFY4UEhGa0JkWWtVVE01SWdwdk5ZMEtVR0RGV3lseDFDQUd3TTMtZTDSAbABQVVfeXFMUFJ5SkZSUmRTWEhoY0JzWmEweGJ3UGYxa0dpZTJSZ2s5V2FYbmxrSGNadnpSOHJyanYzY1VfNlFIbmpOMHdWY3c5cDBRTVhNRHY1Y1hlTF9JbjlHdmZQOXYtLWVVR1NuVlB4UnZVM0toaGZWQmt0amhQbzluT2taM2RKYUpnaTF0YTVhbDczdk5KZ3NZMEdNMDVzcHY5djJKdG92TUdDdDg1RjZvOExIU0U?oc=5) · upi.com
- 2013-04-29 [Q&A: Jeff Mara, senior VP, Bank of America - Long Island Business News](https://news.google.com/rss/articles/CBMidkFVX3lxTE5CYWc3dWdySnNXZzdfOXpoZ0dtMHBubm42VVFBSkRueHVUU0c4S2VVMEl2V1hUZVhpdExTT2NlYnRhSEZmRXQ2cnZrcVplZWNyY1ZURklpbTEyYzFNRGsydlFOWnlFb0kzVGlKV25LMzBNMDYxVnc?oc=5) · Long Island Business News
- 2019-01-18 [Rose Eklund Obituary - Babylon, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1UY3RrZE9TQmdrendpZDNMUUZsNlJnTjZQOTlSRzc4bUNLQmxkTVA3MkIweEt4ekdOVWhRYlVWYXpSZkpCY2xPYjNDVEZHRTJqS2NtVVFsMlZZSXZsV2lVXzhDcUczbmFod3dQT0lNaTNjNGllN25sa3E0ZnRHUQ?oc=5) · Dignity Memorial
- 2020-05-27 [Reid joins Empire National Bank as vice president/commercial loan officer - New York Real Estate Journal](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE54MVNHN3ZGcG8zc0FraEx2bDEzdEttX2lGUmpNd1Q3VGFMU0UzM2Z1R1g2ZndrMTFJT1MtSnVJekRjQTg?oc=5) · New York Real Estate Journal
- 2016-11-14 [Ones to Watch: Banking/Wealth Management - Long Island Business News](https://news.google.com/rss/articles/CBMieEFVX3lxTE8zV0FZWG5WNHRxLVNUNTlkcDJZV1BOQ3A3b29kTWZ6WWM5MnhZekQ4cE5mRDdiQ2RleXMwMUhUSkVmay1UMEE5Nm5oZkw2THRrNmFmWjExb1ROQlVWVldGVUZFU3BoTFE0Q0ZPQ19fZlNNZ2FjUXZxbA?oc=5) · Long Island Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19695 (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 "19695", 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