# LAKELAND BANK
NEWFOUNDLAND, NJ · FDIC certificate 19953 · asset band $10-100B · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $10.96B | |
| Deposits | $8.55B | |
| Loans and leases | $8.32B | |
| Total equity | $1.31B | |
| Loans / deposits | 96.46% (p84 of band) | 83.81% |
| Liquid assets / assets | 17.94% (p23 of band) | |
| Uninsured deposits / deposits | 45.89% (p75 of band) | 36.16% |
| Brokered deposits | 1.09% | |
| Wholesale funding | 9.56% (p55 of band) | |
| FHLB advances / assets | 8.21% | |
| Tier 1 leverage | 10.29% (p66 of band) | 9.80% |
| Unrealized securities loss / equity | -19.29% (p41 of band) | -15.72% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 0.77% (p38 of band) | 0.91% |
| Net interest margin | 2.53% (p22 of band) | 3.10% |
| Efficiency ratio | 63.09% (p66 of band) | |
| Noncurrent loans | 0.18% (p16 of band) | 0.52% |
| Net charge-offs (annualized) | 0.02% (p31 of band) | |
| Reserve coverage of noncurrent | 517.15% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 24.18% (p31 of band) | |
| Auto loans | $1.6M (0.02% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p14 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 845 | |

## 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 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | uninsured deposits >50% | charge-offs p90 |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | uninsured deposits >50% |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |

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

- 2026-08-06 [Court Denies Early Termination of Lakeland Bank Redlining Consent Order - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxORlI1NS1BZ0Z6MWphT051Wnl1S0s4VndDZ0F5bmwxQU9PNDZPSGVEdkg5My1YWjNSMVVEeThZRkZfMEFJZkZiSWYwZ3diaTdYMVRWem9uX1h1MG9tMUs4Ri03M0ZWN29kTHlEczFtTjNJa3F3NEtpUHRuT3ZmTTRnNjhKZWl3X3ByU3FtQVRTUWJZeWpYSF9CMm4xT3l0NjhweHBYS0JJX1J2TldZNkpMMFVMaUdsMEViaVhic2FtSQ?oc=5) · consumerfinancemonitor.com
- 2026-08-04 [Judge rejects DOJ’s attempt to drop Lakeland redlining order - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxNaXpoeVpHbE1ELWowa2FFTW93NktZSHpLMDhnaUlpMzV2MVVlSHd2NHB6UUhjdnhGU3phQnRQNm1faWZwbjdOMXhEdkNfNjFPTnlUajVsRGdXWEZ5UlFmSTMtRkp3NDIyVHhNUlhwLTFSWURBZTc1bl9ndmRPQ1pYQUEwRWhwM3plVW4xS2ZCbTRwSXowZ1FhbExJQ1FFQkFhOWF3NkZVWkR6eGU3Z2UyVA?oc=5) · Banking Dive
- 2026-08-04 [Feds tried to end decree on discriminatory real estate practice in N.J. city - NJ.com](https://news.google.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?oc=5) · NJ.com
- 2025-06-04 [Feds look to drop oversight of bank accused of discrimination in Newark - New Jersey Monitor](https://news.google.com/rss/articles/CBMisgFBVV95cUxNWE5oaVFPbTQ3WUktUWZSU3libmR6amNMTk15QWUyUTNUY1U5WV9jLS1scGYybDhxN2pBb08xNU93UjJ2MmtxN0JfdTZQMllwWFpJU19tQ3E2c0VJUzVBQzdvNHAzdG91RlVpY1ZDSXZVY3c1Um5yejB3Q1k0bld6ZWxLTTJtVkt1UGh0MGtFQjZNeWFPMGNwUTlaTDAtNTVJV3djR0lTZkRwNld1c09rTjNB?oc=5) · New Jersey Monitor
- 2024-06-10 [Provident, Lakeland banks to close 22 branches in NJ as a result of merger. Here's where - Bergen Record](https://news.google.com/rss/articles/CBMiswFBVV95cUxQZTJwc2tUZXo1bDRJSFVvVGhkelFJdmhnQ25MdlA3c1JIaC1kQlhpN3pteUt0aUdzbFpGOXpjaGF1b0dGR3BzUDhZbGUtQi1nV3REYkZEcFlVaUdHTy0xUXZ6X2h5eEtERUY3QjNoc051RlJVTmFITEU2MzVUZU9QVWJkSnoyUzQ3VncwY1dHeGFNU0FxLTFSeGRTemphUEt5U2RUNjllQ2xjdHhORkk0WGF0dw?oc=5) · Bergen Record
- 2024-04-15 [Provident-Lakeland bank merger gets final approval - ROI-NJ](https://news.google.com/rss/articles/CBMimAFBVV95cUxNeWx6bzU2UlNFZVRRU2dpU2M2R3ZoVHZBU21idDdubm5yQlQwTnJPaTlZM2djNW8zRW5SUTc5MlNmV3FoYlNkamVoaUUwM3BVTHM0QXdfYXgzVFd1amZGQjRvbUEwcTExNkdJWlpDQ1E3MFJ0MVRLQ2hiSV9xem9QS1hMUzBRQnh5Zy04ZGpPcHJmcXFlUkJFNg?oc=5) · ROI-NJ
- 2024-01-17 [Lakeland Bank to be renamed - westmilfordmessenger.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQOTc3aDY3VV80dzNBT01CbTFvMW5kMTduR2kyVUNsd1RzbnhuWTR1TGdnVU03dGQ0ZklVeC1QaTB6bjZOTnJabHZqdEFaQmU1VXEtWk9QSUpDSmhnU25NLV9OM2pLTm9XSVI0WUtCQ3Y3U0JULU5XQmJQbzg0ZWlWZWxodmpWd0R2LTRDYXhWUWRiUQ?oc=5) · westmilfordmessenger.com
- 2023-03-07 [Anti-discriminatory safeguards sought in bank merger - NJ Spotlight News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZUZvU0FiLXRTb3ZqSkR3V0h5a2drUHNnc0NZN201NVRSVUswbVpuRlhqVDBNUUd1YnpMdWUxenBsMUZHNHpYLUdDNWR1OVpEdEVLRk5OWTlvOTYtOUI1dTlWVm1rY2t2SFhjRXpKU0UxQTA4NnNvNmxsa1E4UHVqSTJwdmtOTGhabEdrN1liVldrb1A5OWc?oc=5) · NJ Spotlight News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19953 (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/49.json (key "19953", 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