# ATLANTIC STEWARDSHIP BANK
MIDLAND PARK, NJ · FDIC certificate 26390 · asset band $300M-1B · latest filing 2019-09 · 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 | $956.7M | |
| Deposits | $773.5M | |
| Loans and leases | $764.3M | |
| Total equity | $104.5M | |
| Loans / deposits | 97.73% (p81 of band) | 85.55% |
| Liquid assets / assets | 16.54% (p27 of band) | |
| Uninsured deposits / deposits | 19.75% (p41 of band) | 22.02% |
| Brokered deposits | 3.25% | |
| Wholesale funding | 10.48% (p78 of band) | |
| FHLB advances / assets | 3.77% | |
| Tier 1 leverage | 10.87% (p54 of band) | 10.66% |
| Unrealized securities loss / equity | -2.80% (p3 of band) | 0.93% |
| AOCI / equity | 1.60% (p38 of band) | |
| ROA (annualized) | 0.87% (p28 of band) | 1.13% |
| Net interest margin | 3.34% (p24 of band) | 3.75% |
| Efficiency ratio | 65.91% (p50 of band) | |
| Noncurrent loans | 0.22% (p26 of band) | 0.53% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 504.59% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 12.63% (p18 of band) | |
| Auto loans | $480,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 130 | |

## 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 | 1 |  |  |
| 2012-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2012-09 | 2 |  | noncurrent p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |

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

- 2019-06-07 [Columbia Financial to buy philanthropy-focused bank in N.J. - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSEFjTHY1cnMtTlY4VFBlYktUcV9BekEwQ3M0NDIxdWJPc2JjX1ZnVUxfdDdKSHF6RWVkS2FONGRTQzIyODdhMXF5THo1dFJKOG5kU0g1cUh6bE5Ub2Y2QjhnZjFzUlVSYnJYZmlOeXgyQjl6S2NvYlJIdDNKc0ZkYVA3RGxjcFhCWnZ1MVhpYVdIZmpyWGlwcw?oc=5) · American Banker
- 2019-11-04 [Columbia Bank, Atlantic Stewardship Bank finalize $137M merger - ROI-NJ](https://news.google.com/rss/articles/CBMisgFBVV95cUxPc29SNklHcV9Kek1sVVJoeERGQWFVY2dYVW1PNXNhSDNERVhHWUVmb3lPdlltVmNJQS1UMzNuRlBFNlFhVG5vUG0yMk1jU3hWMzBDd2gydm9RM0w1OWRVbVZYOHpYY2M0bVlfaFJsVTNDR1NtSk9EaHNGQzJzWk9jWnpJd1lXWl95UkdlY1BuUEc4dXQwb2plc0Njb2tKckIxeW5DMXE1WEdaNGZnTnNWb3hR?oc=5) · ROI-NJ
- 2018-10-25 [From Vision to Reality: Atlantic Stewardship Bank - New Jersey Monthly Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxPOGwzX012Z3JJVmhJMkphQUF1NXJYeVBjUW0xZEVUUFg3Tmh5UXZuWVlDRDFqZWJlZ2hzTl9SZjdQTU9Pa010dFc2MUZiQ1AwYm1vSFpydVVYYU0ydDFUM3lSM3labF9GOFd6SlNUcVY0eXQ2OU0tblA3MjZWRk5QN2FuN2ZDY3ZyTlhJOUJPOA?oc=5) · New Jersey Monthly Magazine
- 2019-06-07 [Columbia Bank merging with Atlantic Stewardship Bank - Bergen Record](https://news.google.com/rss/articles/CBMisgFBVV95cUxQMmoybEFTXzFxNjMtSXUzYlEtRHNWcW1pcVRVcnlPR1NGSWV3TWFYTFBCblZIelVCMHJydzBSYzdwOEt2NnNFOURPbzJKM0JCTnhXNmVUa0xNZjF0SnktTWRnamtqZ3pkdzBKYUxYWS1Ta21ibF81bEpSTW10SDRydEs1cTJwTUJxX2FUcXpQZnRJaFJtVUp2dFR1SEI0Z3pWaEhfY0lEVEtxQ29JMEZwSHVn?oc=5) · Bergen Record
- 2024-06-23 [Obituary for Ella "Ellie" King - Vander Plaat Funeral Home](https://news.google.com/rss/articles/CBMiUEFVX3lxTE12MlpFd2NoZUxNeENqVXk2bWo0aTJLM2lLNVdNUHptQWtTVnA5UEVmclhBcWJoUUM1ZjgtSUFsTUhlQjFCTFh5Y2E2UVhLY3Rr?oc=5) · Vander Plaat Funeral Home
- 2017-01-06 [Makin Money: Central Jersey business award winners - Central New Jersey News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWTg5V1JNY1BqNHh5R1pRV3hydXd2STFXNjhuN2oyMEwzWENUdG0tUlYxZ0lsbk9HTV82QThTUVpFc1lNTzNwODI2MFdSbXpCRGZrV0JmYVdXZ3dhUW5WLXlUaEYzLVdFaGNvTnpEY3JPWkoweHhscU5FRG9ERDc3YlVYZHpETExlQzk1TTVHYUhrd0hoWDhmRmhVeVkyZVZkNFFKaFh6Y2g0Xy1kSHVzMk9xY3Y0NGJJWUpvZ2NFRmM?oc=5) · Central New Jersey News
- 2016-02-11 [sandy-mallon-appointed-to-senior-vp-position-at-atlantic-stewardship - Bergen Record](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPeUNOTmRGMEh0RTQ2QzlEdm9ISERrVjB6cFcyTDVLRGNJMEZyZHgyWm1LbFAwVXlHU1Y3bDZKR0J2cU9taHhLSnhBYXppSjM2eEpVN25HMTNtQXUzYnJuT1RkQjJMdUVaMGRPRFg5UXJCN1lsUHVlcVAwNlpOS3Y2cWd0ZGN6bktCaE5TNDF6VHpFeEFKSl9aTklsYXoteWNpc3k0VE1XZnAtcUNlUTROUnB1RXZQTzBqZjNxeXlOMEZCWGRacU80LS1HbFZiV2tTanhodzJtQkZNc3FrWWtza3lB?oc=5) · Bergen Record
- 2016-08-04 [Jeff Halverstadt appointed to VP at Atlantic Stewardship Bank - Bergen Record](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOb2ZxTkhWdnA0dzdfRTBDNjNzNmdKdXJSc2FSWW4wQi10a1FkQXd2elhMLWNqR1llT0QwOFdDZlIyQzRWRmlBR2d1ajhrU1lzYVVXOXQtZkNKUVBWM2E5cmVDS0FmUmxhYlVrSmVaUmZ3dWM0dmhyM01QNkJmRWh3SGlXNXM1TUl5bGpkWjgtNy1hSkhhUndmNi00UG5FMXJ3TTZ4R2l1Q3ZiUXBSZ1g0SG5oUkJzV3otUTR5RE1raUxPSmk1ek1mbVdkUExHTEFQcnZMY3FzUDU?oc=5) · Bergen Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26390 (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/22.json (key "26390", 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