# CMS BANK
MOUNT VERNON, NY · FDIC certificate 23047 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**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 | $266.6M | |
| Deposits | $214.2M | |
| Loans and leases | $218.5M | |
| Total equity | $22.7M | |
| Loans / deposits | 101.68% (p94 of band) | 70.43% |
| Liquid assets / assets | 15.71% (p11 of band) | |
| Uninsured deposits / deposits | 14.69% (p57 of band) | 13.33% |
| Brokered deposits | 3.68% | |
| Wholesale funding | 14.07% (p92 of band) | |
| FHLB advances / assets | 9.84% | |
| Tier 1 leverage | 8.44% (p13 of band) | 10.49% |
| Unrealized securities loss / equity | 1.39% (p51 of band) | 1.32% |
| AOCI / equity | 0.88% (p66 of band) | |
| ROA (annualized) | 0.39% (p23 of band) | 0.80% |
| Net interest margin | 3.63% (p53 of band) | 3.57% |
| Efficiency ratio | 80.37% (p66 of band) | |
| Noncurrent loans | 0.69% (p47 of band) | 0.77% |
| Net charge-offs (annualized) | 0.07% (p78 of band) | |
| Reserve coverage of noncurrent | 45.85% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 1.72% (p21 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 | expense ratio p90, charge-offs p90 | wholesale funding >15%, capital falling |
| 2012-06 | 3 | losing money | charge-offs p90 |
| 2012-09 | 3 | capital falling | losing money |
| 2012-12 | 2 |  | expense ratio p90 |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | loans exceed deposits |  |
| 2015-03 | 3 | deposits shrinking |  |

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

- 2022-09-11 [New growth draws on old roots at PCSB Bank - Westfair Communications](https://news.google.com/rss/articles/CBMijwFBVV95cUxOX2pJUGlCZjlqOGpjRDhxUXZhYl9GUnQ4dFRBTFROOW9kekdhSTJ6NWxoNTZHa3lFbFMwNXdZSEtKQ3FpcUl6ZHloSF9oZ2liUEZXVS1NeHZYakU5d3NlWDh3VXZRQlIyNGFxRFZUWHdndy1IV2tvRlN4YjNlMTRJcmxiLXQxdWFFZ0RWQzVGaw?oc=5) · Westfair Communications
- 2014-07-28 [White Plains' CMS Bank Names Edge To Assistant VP Post - DailyVoice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOT3R1bXY5T0t3akNQWWJjYVZKZ2R2dmktczA5Tm9XXzJTbGN2akVJa0pOZFdHQndfTk1RVnVmRFFxeEN0TW9EU3BFUkJBZG5qY2tUS2hIaW40UGtKTjh3dVVvSnlTeWhndDZkMFdQWGJGQVB1QTVmSmgwSVhKb1Y2dXN6bWFhbUo2NThPaFVR?oc=5) · DailyVoice.com
- 2014-04-15 [CMS Bank Of White Plains Announces More Than $1 Million In Mortgages - DailyVoice.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNYlg4RGNhUy16Q2lrSnllTndaZEY4U3A1NGlMQXhHN3pHNldzQ3FaNVdyaXhVZkZDWDBfODNBRE9vbUVFQWwtZzZ0UVBsOWxieEd5bVdBTVAteE5PUWdhYlg1THFVcmdsdkRGRGQ1VTlFdUxPLUhBOUdmd2dJZVVid0RYeGp1dlF1MGlhV1NzdVd6Vl9MVTRxY1VGaGk2OGVr?oc=5) · DailyVoice.com
- 2022-09-08 [Four businesses, four families honored - Westfair Communications](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwbW9DMkFtZW5DXzVwRWdPakE4X2s1MzAybnpSQ3hkMGJOSW1zdE9CbUp0QWR2MENFWklTQmdKbGJxUnQ0SUdBczNDckNjZk5Kb2tXRENKaGdnSmRBd1VLMjhqVXZwYzJUWHhTYkFuT2NsbHhjWXMzZFZ2QUlTeUU?oc=5) · Westfair Communications

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23047 (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/7.json (key "23047", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide