# PENNSVILLE NATIONAL BANK
PENNSVILLE, NJ · FDIC certificate 19978 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $281.8M | |
| Deposits | $251.6M | |
| Loans and leases | $131.5M | |
| Total equity | $28.5M | |
| Loans / deposits | 51.71% (p21 of band) | 73.59% |
| Liquid assets / assets | 51.04% (p79 of band) | |
| Uninsured deposits / deposits | 27.60% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -5.01% (p57 of band) | -6.57% |
| AOCI / equity | -3.55% (p4 of band) | |
| ROA (annualized) | 1.48% (p67 of band) | 1.17% |
| Net interest margin | 4.21% (p64 of band) | 3.93% |
| Efficiency ratio | 55.19% (p23 of band) | |
| Noncurrent loans | 1.41% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 72.24% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 16.10% (p48 of band) | |
| Auto loans | $2.5M (1.89% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | assets shrinking | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | assets shrinking |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | NIM <2.5% |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 | reserve under noncurrent | capital falling |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 0 |  | NIM <2.5%, capital falling |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2018-06 | 4 |  |  |
| 2018-09 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 2 | NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling, NIM <2.5% |
| 2021-12 | 1 | NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | capital falling, charge-offs p90 |  |
| 2022-09 | 5 | reserve under noncurrent | capital falling |
| 2022-12 | 5 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, charge-offs p90, reserve under noncurrent |
| 2023-06 | 3 | reserve under noncurrent |  |
| 2023-09 | 2 |  | reserve under noncurrent |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | NIM <2.5% |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2024-10-28 [Paramount Realty plans new Wawa project after buying Pennsville tract, Goldstein Group says - re-nj.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxOMTFlTjlvVGxuSml5ZUZCankzZHFoMDJmZnNKQ0VhR05qNm1RTzdicEZoVjhqMlJpcUE0RFJMQWpUM0NyVVVJWjFGTDl0Z1c3MUh2d010YkJRa3FzRXNqM2pZd3BodktOZHJ5LWhhcDRUOG5Va1Y5cFJRdENxNnpfTEotTWVBdkVxQlhjNHdsODRmTVJQTnVsa0FEV1Z6aEk5SDdzQU10dkQzNVEydmc?oc=5) · re-nj.com
- 2012-09-22 [Pennsville Township Committee appoints William L. Masten to vacant committee seat - NJ.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5NYTdxS1hMdUxMVlM4RnVXVVhreUQyY0ZyYjVMMHVsNjlMdGdZSVBEWnVaMG51bTlWR2xTUUxIZzlrMzgwdzRFbW1YRS1vaWg3SzFEZUd1cXNuQlRPaTNIYThta1ZpRTJJa3hOSmVOdVdObFBLYm1JRA?oc=5) · NJ.com
- 2026-01-27 [Molly Bibb Obituary - Winston Salem, NC - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPeW1MR1B3SG03SjZkTUg2dVV0bUtaMGVOdElKNUNobTJFU2VZejVqZVVmWlkyRmdQUUNlSUJzaU1sUGJxVXc5NlFKVjIwcVF2MFZpcC1zbXNiUTdMdndiRlZleDVMTHBKV0hJVlNWTThjUC1VQXJjbk1NcDJXTVEwWXZuZHY0QQ?oc=5) · Dignity Memorial
- 2024-04-24 [BettiJo Leslie Williams Obituary (2024) - Penns Grove, NJ - Adams Funeral Home - Woodstown - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOWGtQZHp1UVNrcHJqV3k3Z1N2VTVKTmhXLV82cUlsa0s3dk5jNlVhR3planQ4WHE2VHl2UHNIX2dkZEFmbnhYbENBVzZ6bXhnT09jMTZCcjhwQ3NCWW96VHgwZ3RNTXJoTFhRUmY4VGRFNEJTNGgyT0VLMVRxLWtWVEhkNUY5Zw?oc=5) · legacy.com
- 2016-01-12 [ROBERT WATT Obituary (2016) - Pennsville, NJ - South Jersey Times - obits.nj.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbVlPTHROb0I0ekc5TFlQeEpsMVdValJ5UVk5Yi1MeDBPWjNMREdUd1JVZ0JzbE9DMTB2bWF2R0p1LWhLVTJlY2xMMDNGVnNJWU1mY3pQS3RsOUxwUk44cVpKeHVUQUZyeFNHWXRZN0s2UmJYN0I1cnFyQUJtM1NteHkyTndIdFFuclplNncwb3Zka2s?oc=5) · obits.nj.com
- 2013-03-12 [William Watkins Obituary (2013) - Jersey City, NJ - South Jersey Times - obits.nj.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNc0NFRTM2Zk9PY1pVLVZ2ZlhTTTF0bXZkaVNybzlMSExVUFNBakJTdEhoOGlNMFM4aG15ZEp6cG1JQW50QlZseFNzaUhhaEh4UjNNcHlCNjJER3Q1S3JETm5iNVBEa3BJN0hiNnpJSlV2M2dicy1BRF9tYjZEaW9IbjZIZzIxVVhtUWZ5UGJVU196cEFuYnFaYg?oc=5) · obits.nj.com
- 2001-09-24 [Cynthia RUTTER Obituary (2001) - Wilmington, DE - The News Journal - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPV0xMdzhwLVRsQ05jaFhGcVByVElvSjcyMkVWeXRZWnBFTnhHVjlxZE1tUkFsSl96OGFNVHF2azhRbzRmZ2lsUi1ZSnptb1VpWjhwa2Z2c2xBdlV6WGh6OGRHWVNBWlFpUVUxNW5weWFxTi1CbTRWXzloQWVXQk03cUJmd1RINmJCMTlkeG52UkhSczZFSF84?oc=5) · legacy.com
- 2014-01-16 [Elmer, Pittsgrove bank bandits charged with robberies from 2012, 2013 - NJ.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOT0dYWHhpS0ZrNEdGc08zbFZxQjVvQVlISVA2bXJVeGNtQ0hnZVZnNkJldDctZ1dmb0hGWUNBaU9NR0YzMEpqYVBSdlNTQlI3dENpY042NTBrdl9RczhQMUhKMXQ4UWJWY1JrRk1NZm1WdXJ3d3djVlU2VW40UXVROHBPOVFzbVVZX0pBN2FpUTRKdjdQZVVjSnRSd0NOTkJCMUhhTGh1UQ?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19978 (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/10.json (key "19978", 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