# ROCKPORT NATIONAL BANK
ROCKPORT, MA · FDIC certificate 2644 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $201.3M | |
| Deposits | $181.4M | |
| Loans and leases | $147.5M | |
| Total equity | $17.9M | |
| Loans / deposits | 80.39% (p70 of band) | 70.22% |
| Liquid assets / assets | 22.89% (p23 of band) | |
| Uninsured deposits / deposits | 12.66% (p51 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.12% (p26 of band) | 10.41% |
| Unrealized securities loss / equity | 4.46% (p89 of band) | 0.24% |
| AOCI / equity | 0.12% (p24 of band) | |
| ROA (annualized) | 0.36% (p22 of band) | 0.79% |
| Net interest margin | 3.85% (p63 of band) | 3.62% |
| Efficiency ratio | 85.05% (p75 of band) | |
| Noncurrent loans | 0.57% (p39 of band) | 0.88% |
| Net charge-offs (annualized) | 0.03% (p56 of band) | |
| Reserve coverage of noncurrent | 197.04% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 18.97% (p55 of band) | |
| Auto loans | $101,000 (0.07% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 49 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |

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

- 2023-09-02 [Theodore Anthony Scharfenstein - Kenneth W. Poe Funeral & Cremation Service](https://news.google.com/rss/articles/CBMigwFBVV95cUxObmJrY3c4UXhmNWJBdE90eHRXTklOQnV6NUtRbTNrRTl5SEF1ckdRNXRIUWFfVU9ZZ2V4YVFTTmhMTjJyTzliZC1lMnFHUmRubDdEb3l1Q2xHeGV4NEJNVFB2RkZKMUx6QWx6NGdYZmpqdnBybl96MERicThiUWNHM1lLcw?oc=5) · Kenneth W. Poe Funeral &amp; Cremation Service
- 2015-01-20 [Rockport bank opens under Cape Ann Savings banner - Gloucester Daily Times](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPLUpfdlVvMHRYb2hIMU9CYUZHMWdNeklNM0tQUzNrNTU5ejR3cWZZelFreWYyTzNMbWotTkxMV2hPYnpqQTFfb2N3SlR4VjR1c3dvaDA5cjk1czZaRDc0dE9pMGhnNy05NzlkUFhVVy1oaWVCbDE5ZzRQZjhHSWVJaWZFa3M1RUxBWFZJSUpQVTU3MTZ5aWdYSXFGMk11QmF1WC1YaHVuRlBBSnF1cDZJQ3J0RlJlaHphNFlmczc0NXNyUmR3c2o1aHJ6VUJfVi01eUMzTWlSdnpHV2V6LWRiNg?oc=5) · Gloucester Daily Times
- 2023-04-21 [Kirk D. Keating - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOYWg5WExKejdxNFV5NkhQUVk2Mlc4dGtPLWd6enpPakJHNUJxZEN4ajdFaVMyc2tnelQ4b0ItRnIzWGZ1Um1JbHoyS1NXQnJUZlJHNUthMmhOTzlFc09tUk9JQzdQTHpLcjUzbkFUR2lPS0xaZ0hVRy1RdWpLaVl1Q0pEMV9PYklhZzQ0MmdMUQ?oc=5) · legacy.com
- 2021-10-19 [Derek Valerius Obituary (2006) - Boston, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMkc4ZUdkTy0zb0NjUUhPN2hVd29qZ01YYmJJenhaa2hPemtJSjB0Mk52bjJYZThnV3pGN1otUXI3aHNJOGhLYWFyZGhrQ1RQTGZRTU9Ia3VKTkhDdDNNZWltUEtpTThiUDBJeWl3OUY2NXI5cTZtaUlpTXhDbF9KZFZ4UF9GSHJ3QnphMkg3WGpQVTQ?oc=5) · legacy.com
- 2013-11-27 [RAYMOND SMITH Obituary (1938 - 2013) - Rockport, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNck5kSmdJa1ZDaXJ6UUVRWmlRNDUxLXY0UzFOYjBHVHdyeDJsa0FzbEp2clNhWXZVVlNlZzNKRHRpZ0h0QUkwV2Q3dUh5VTY1bVFTRW1mbjZYV195SGF0TldyN2JBVnhaUjlsS2ZZcmlrTFloRlU5bFFwa3R2bXZOX1JhTk1WVzVGSS1mZ19uSjc?oc=5) · legacy.com
- 2023-05-09 [Sandra M. Travers - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaU5abXZ5cFM0TVA1aW9hSG5uTUtiYnNzcWtyMjBjUnc5b1lFOFFzeG11MFZ5OFJlSEVCVlUzcXZ6V2piV3BjeDNoNUJnMmlDb2NjN2J6dUFld0tUdlZyVEZ6MnY4NlhyOTNDYkZ6Z18yTmkxMzVWcXRLQ015aDJkWldEY0IwblJndlc5cEpWRnE5QQ?oc=5) · legacy.com
- 2013-11-24 [David Palmquist Obituary (June 3, 1938 - October 21, 2013) - Sequim, WA - Peninsula Daily News - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOaFd4NmZ4UXROdlBmQWtfQ1FjM2V4QmRNb0RCX0ZFOFpFUDMwYjVCTWJ2Mm5saGo2S0JNSExLUEMtSHJ4aVktY1A2OXNhdDVXa3drazJnN3BpbFhNQTlhSjZhY1NYNm9ZWXRGaElBbEV6OExrRW5PaWhOVzJxUnByREs0Qm9sakoyWWx5bTVVaTBXYW9maDR1Y2FnUUZrUQ?oc=5) · legacy.com
- 2005-03-29 [Robert Ruth Obituary (2005) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV0lBN1VXZ2lXQlNab3JCb3haak4wLUU1em04T1hKd0xMNjF6Wk1qMmgzaHNVVGpaSUxXUkVBT1ROcWR2VDRXR2hkWjB5Z1h6MDI5d2JheUhpclRBVktRaC1xb0tXZEdocUFyVHVzN3gtWGwtYnVNVHdTUnRQOGFfY09Bbm83SVBjNDRKVUN4em10dw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2644 (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/20.json (key "2644", 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