# SUN NATIONAL BANK
MOUNT LAUREL, NJ · FDIC certificate 26240 · asset band $1-10B · latest filing 2017-12 · 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 | $2.14B | |
| Deposits | $1.66B | |
| Loans and leases | $1.58B | |
| Total equity | $378.8M | |
| Loans / deposits | 93.98% (p63 of band) | 90.29% |
| Liquid assets / assets | 16.33% (p33 of band) | |
| Uninsured deposits / deposits | 18.70% (p28 of band) | 26.14% |
| Brokered deposits | 0.03% | |
| Wholesale funding | 4.28% (p27 of band) | |
| FHLB advances / assets | 3.98% | |
| Tier 1 leverage | 14.55% (p94 of band) | 9.96% |
| Unrealized securities loss / equity | -1.22% (p32 of band) | -0.71% |
| AOCI / equity | -0.04% (p33 of band) | |
| ROA (annualized) | 0.63% (p23 of band) | 0.92% |
| Net interest margin | 3.30% (p31 of band) | 3.55% |
| Efficiency ratio | 84.02% (p97 of band) | |
| Noncurrent loans | 0.23% (p20 of band) | 0.50% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 392.88% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 20.27% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 303 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2012-06 | 4 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2012-09 | 3 |  | charge-offs p90 |
| 2012-12 | 5 | capital falling, charge-offs p90 |  |
| 2013-03 | 2 |  | losing money, capital falling, charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | losing money |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-06 | 5 | charge-offs p90 | reserve under noncurrent, uninsured deposits leaving |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 4 |  | losing money |
| 2015-06 | 3 |  | charge-offs p90 |
| 2015-09 | 4 | uninsured deposits leaving |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | assets shrinking |
| 2016-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking |  |

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

- 2026-06-01 [BCB Bancorp appoints O’Brien to president and CEO - ROI-NJ](https://news.google.com/rss/articles/CBMilgFBVV95cUxOeHpwN1o0YjlBQ0hpclB6bWM3akU1ZHBIME5kbEw0bWlJLUY1VW9oQWlDWEtzdkVpWGc3SXpDOXBvUHZVQk5FUWJmVFQzZDVUT2JCMFFIQU1FVS10dk5EZU1VbDQxRVBTWVFnbW1oMVVyVi05T0E2cVQxSnpSNWM0QXRDNnlNZ19Qc3gxX3JmRENxT2ZtR0E?oc=5) · ROI-NJ
- 2018-02-01 [OceanFirst buys Sun National Bank, becomes bigger South Jersey player - Asbury Park Press](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQMXZnLU1ja1NodWxaZTZuOXhxWGN1XzVwT01ObS1iMTNjYUpSSVhUZjhZNW45YUt2TFB4MEpKZFFmZmF6QkE4cDI0M0VMTnNTZHJlQ2ZlY19oemlPNmVPOTFrb2VScno3d0l6bTEtTEpydHJIWnFsVkNMeEdhT3FIVFZ2bnJRQ21KWmJudTV2eGRONk1UbVJQMjlSYjBhcDdma1BqSWYxQUZxU2dZMHN2aThqSWhybkY4ZW9uV1JlcmVUR1JYUEsxeUp2TnNUWlVkajFyZXRXRkZDZ0tS?oc=5) · Asbury Park Press
- 2026-03-15 [Carol Scotti Obituary - Collingswood, NJ - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQUpyd0REdUNQdjRLaUtlNU90UjZ0VlhlcWdvYU1pX3VFQUpwbm1Kb2xuYk1KNTk2a2F5YjQzN0JaZFJHREEwaDczVzF1c3RkY2UzaFVqYTIzdzRYMWJCS1Q0My1iZzhfcHhsZWJlNVVzcjlqQ2JMYk1wWG5rM1oxb09kUDYzZ0k?oc=5) · Dignity Memorial
- 2014-07-04 [Sun National Bank announces changes - burlingtoncountytimes.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNODR3dFdma21vSW1feFZqWEQxY0lGdFFsVlNmVzU5Yk8xN1pXMnlQc29iUkwzNjhlc1FHVmZ5eGt0a3hlUDRKbTF6SFNXdll5ZWJUcjBkLUEwR1dfYUtQM1U3dklJNHo0SmRfdlVzbWVtWFZLTVlxODRrUkxiWXlBUVFNT2VCeXMyNmFPenVPdUo1MFQ1Zk5vRlljSnhLS3JGYjYwZm1mcjVVNzc2WXlZZkZ3?oc=5) · burlingtoncountytimes.com
- 2015-10-08 [Sun National Bank Introduces Rebranding Initiative - PR Newswire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQUHRhc1FUdDd2by1GTUdMaHh2alU5dDhEZUlCSkRhVXhpc3N1YVZrcm4tNEZxT045UTdQU3g5c0VuZmJQY3ZZSEZSdHYxR0xpQkhhbzBnc09xYTF2alJ5MVJxaE85bTlzYW9PNFRXMWU2UmN3R1Y3MkExWWEyR0tmZkVibWlqV2d5WHZiMmRFS3FESXY4bnFXV19Xc2hYWkt5YjZ4WlhJcHBnQQ?oc=5) · PR Newswire
- 2014-06-27 [Franklin High School Commencement Ceremony - Central New Jersey News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPcE8ydldQV0F3d1hKUmJHYkZrTUpqd3dLZ1hJYi1QLVYwTHQwVEJ5YjZMeEV4SUVYTm1seHdsYXZFRUIzankyY2NuU01yc1NERlM2WU9ZaEhkZnFfUTBnNm85YUhjRk9FN19ONC1oeEItY00tSnlXXzQ4UXk0WWQtX3hudVJ4WkJNOFZHM21qMUtwMFR4RmJGaWh0MmY3UUFqN3Q0bTB4SXBMQ00wSV9ac01tVTVRblJhbmFtYVp0VQ?oc=5) · Central New Jersey News
- 2026-06-02 [New Jersey’s BCB appoints new CEO - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOU9Hc3pIQUpoclh6NE0teTJ2bUtNSy1zdWROX0lLMlF1R3pvV29kUWJqWWNxUDI4X1lBaEZnb0NzODhBZk5CalZCSWV4NDhjY3pULVNfR0hJYWJ5dmlaeDh0Ujc0bW5OWTB5MlRIdUptNlNSNFpZUEExS3Z4bGk1RDhDdVE1N1BTTFE0eklaYk1JOFdETmJCT3RSVmdWbTcxN2c?oc=5) · Banking Dive
- 2013-03-08 [Harlem Globetrotters to play at Sun National Bank Center - NJ.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPaE50d3dIa0ZHSFA3c1RLTXFnOENQYkNrUGdFMWg5ZkdueGtnVVlCWmZ1S1dHUm54T3ozNU9HQ2NLZDRrY1FzRG9oWTFNQi1TQ3piM1lmc052RDBlZmJDdnZhYlZqUDBWRXFNbEU5dHR2M0xrS2ZiMkI3SE0taEtJazZ2aTVhd01LNHc?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26240 (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/0.json (key "26240", 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