# ONELOCAL BANK
NORWOOD, MA · FDIC certificate 26555 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.05B | |
| Deposits | $843.0M | |
| Loans and leases | $911.2M | |
| Total equity | $146.2M | |
| Loans / deposits | 107.14% (p94 of band) | 87.10% |
| Liquid assets / assets | 9.74% (p5 of band) | |
| Uninsured deposits / deposits | 36.84% (p65 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.14% (p46 of band) | |
| FHLB advances / assets | 3.33% | |
| Tier 1 leverage | 13.68% (p88 of band) | 10.50% |
| Unrealized securities loss / equity | -1.71% (p83 of band) | -7.75% |
| AOCI / equity | -0.42% (p41 of band) | |
| ROA (annualized) | 0.99% (p30 of band) | 1.26% |
| Net interest margin | 3.55% (p40 of band) | 3.70% |
| Efficiency ratio | 60.55% (p55 of band) | |
| Noncurrent loans | 0.21% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 414.69% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 121.38% (p94 of band) | |
| Auto loans | $10,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## 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 | 2 | capital falling |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 1 |  | capital falling, charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | expense ratio p90, deposits shrinking | reserve under noncurrent |
| 2013-12 | 0 |  | expense ratio p90, deposits shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | capital falling | loans exceed deposits |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 5 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2022-12 | 1 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | loans exceed deposits, capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | liquid assets <10% |  |

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

- 2023-01-31 [Norwood Bank, Foxboro Federal Savings merge, rebrand as OneLocal Bank - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdW5tRDc4ZmVyanRXWTA2Vk96ZjJKLVN3Z3ljdGp4VHo0NDdWM1pkbDRtcUpqLWJFaUJoWENFQU1sMElOQ3NFa2VCWWZzTnZ2cmVPdHNHeXBFNDQ5d2FIR0doWnVxMG8tTDZDd2VaMVVHb05iSzBoRW9JQVlTSFdYdXhrYWVwWFZNRWdmdlNheWRMcTR3bVQ5U3pEQU9HSWoxanc?oc=5) · The Business Journals
- 2023-02-12 [Two Banks, One Goal: $1B or More - Banker & Tradesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE10MnR2d1N2VEdDSjgteC1Walpob2ZaamNCNlJtbDFuSmVkbnY3M1VYTjFuNFJmVUI0cDkyMU5YQ3VwdkN0T0JyYUcyQ04tVjV1MWpvYzJIazB2TGhIUVZ1WHphWHJLelB3eUxvbVBn?oc=5) · Banker &amp; Tradesman
- 2026-05-06 [Bank says Gabriel House owes $1M on mortgage. Who should pay it off? - Fall River Herald News](https://news.google.com/rss/articles/CBMixwFBVV95cUxQVUIxWHV3Q1ViUmo1ZWNtNnlQOVFwbzRVaVlidkpQamhELV94N3l4eHY0MGJBdkstalR0N213UDVEV18wV2doVGFCczBRZUlTU0pZZm1BdmJLLVYwbUFBN1NncTNKckt4UHpJV1pmdVc3d1lVUTRHRkpwNExJTVo0MWxpM09VbTVHV2dLRl8wdWNwM3MzTnV4ank3S3YxbGFOYk9HZ2FIZlVGMVNsZ25GY0JIVXk5T2U1NThBbVJlbGw4aXhlOGo4?oc=5) · Fall River Herald News
- 2026-07-10 [Bad news for Gabriel House fire victims as bank takes $1M | Exclusive - Fall River Herald News](https://news.google.com/rss/articles/CBMivwFBVV95cUxNTEpxX1dFNHBiV3hWYVVZZExKTDhmaE5YMkNGR2FQeDd2bFkxWHAxSnM2LWJGWEFPM3d0MENaQ0p3SzY0Wlp2UlV1aXZEMTR1TGR5QVkweWRCWVVjTTU2UkRBMjZrNUhnSm9MWlNqWnRia2tIN0VrWHBVeUx3Njl1bS1DbGU2SjdneDd5WUZxaFlFRGdqWnlpS0g4eTY0aHhPOVVMZTA3aW1oc21mMkZmbmp6czFOeUlUdG1lWnpkNA?oc=5) · Fall River Herald News
- 2026-01-29 [Acquisitions shake up Boston real estate lending - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPWGtoa0lfbFNUVkxETnJYcF9zS2s5NnQtcXJqdkVveFRsZHpVLXJQMEJPT0FMcFdaVzFvNEphT0lKeVMxRS1PWktqQ29CME90UkFyWUpSeENTcnczX19SeGh5TlBBemprMXhGVG5yWHNBT2dhUnRPMjZfMzlDazdJTjVUS0tpQ3BuLWdjYXRiYU14Z3FJZG1lTUR2QlBEOUti?oc=5) · The Business Journals
- 2023-02-10 [Withum grows locally with acquisition of 74-year-old Braintree firm - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPT2NKZ1duajNRZVdXdDFEMW5MdGtvNVpXZk5hN1lQcDdjNll1eEdSdWdGcmIxREFPelZkQ1dRcVZLejgwbTlBcGlxMDBwX2p2Qmhnc3NGdXpIdnhVaEtBdHdrS1BySm1TU21mdnp2azg2dTZuck5UMS02X1plY1ZfQ3JSOTJ0WHdxcjBUczlNZ2lzNmxBTjMtWmxOZk1oblN3TjkyWlhaUnVhQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26555 (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/59.json (key "26555", 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