# EAGLE NATIONAL BANK
UPPER DARBY, PA · FDIC certificate 26947 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $185.0M | |
| Deposits | $157.5M | |
| Loans and leases | $127.5M | |
| Total equity | $25.3M | |
| Loans / deposits | 79.60% (p61 of band) | 73.61% |
| Liquid assets / assets | 29.69% (p44 of band) | |
| Uninsured deposits / deposits | 19.11% (p72 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.57% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.85% (p82 of band) | 10.70% |
| Unrealized securities loss / equity | 0.48% (p41 of band) | 0.86% |
| AOCI / equity | -0.34% (p18 of band) | |
| ROA (annualized) | 0.30% (p15 of band) | 0.84% |
| Net interest margin | 3.69% (p53 of band) | 3.64% |
| Efficiency ratio | 89.02% (p84 of band) | |
| Noncurrent loans | 2.45% (p85 of band) | 0.69% |
| Net charge-offs (annualized) | 0.06% (p68 of band) | |
| Reserve coverage of noncurrent | 67.93% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 16.86% (p52 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 | -4.0% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | deposits shrinking |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 3 | capital falling | noncurrent p90 |
| 2013-03 | 1 |  | assets shrinking, capital falling |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 |  | noncurrent p90 |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | deposits shrinking | expense ratio p90 |
| 2015-06 | 3 | assets shrinking |  |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking |

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

- 2012-03-12 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTFBNUXFRQ3VLLVUxY3A4ZWJpLU5mOVgxR1pCY3NIREtuMnI5d1A3NnRIVGZ6dmtWNVVYNmMyOGYtZDBGZnhBd29rNGMxaVV2WmNRZlFTX25ldjZIbWljVnZ1VzJzdXY1bVI4SDNESDdYZEpxdjZDcWpsMkp2SWhQUQ?oc=5) · occ.gov
- 2017-02-01 [Exploiting a Loophole, Banks Skirt State Laws on High Interest Rates - WSJ](https://news.google.com/rss/articles/CBMiXkFVX3lxTE52RFJVVmx0d1dTanBEUGwwNnNNVU52ZFktbnV3UmlNdXJxVHZ0cjNqZUFTMnJ1cHJ5Z2pYRXZfV1JPM09ZNXU2X0ZoVWlRQUVRMkNxVmNMVWJZdHhUX2c?oc=5) · WSJ
- 2019-10-19 [Maureen Lucas Obituary Oct 19, 2019 - donohuefuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFB6WlhOdjNEWUlXNjQyZU9hNnVMVC1LNENPYjlHZnVLM0tUNFg3b3gzdjlRc1JSd2pFT0txUEhZSXZuWmRiMkFfek5jdHZ0Q3dhN0wydVJRYWU1MWl5UXhoME85c1h2a2x1cWhB?oc=5) · donohuefuneralhome.com
- 2016-05-16 [Business People on the Move: Irish pharmaceutical company names president of U.S. operations - Inquirer.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNbHBNVjVYblRhZDRoczRMcVgwR3FILWtLakV6bHdDUmpOWTM2aGRWbE5kY1Bpd2hfSHFGS29meHVfWjM2eGpST3ZtdG9UWUZZV1oydE80cXBEOFNrMnlKcTFGaDZIdkRVRXhza0RTWHVYOXJmMTR3czgxR2UtRmlRZTd0cXdjMWFHVHVONFp1QmZ5NzNULWVob3g4SUJkeW1LaHRsc0pZdUFtREx0MjhQNGRVTlh6M0VDYjRlQ2IyUlNYcE1kNGdCVjJ4WWhrYUJheHg2S2k0YndNWHp3WVA4?oc=5) · Inquirer.com
- 2014-08-26 [Maureen Higgins Obituary Aug 26, 2014 - donohuefuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBIZ0tXcFY3dmdHdXJpUHlDUUVYcXJ1N3IydEptN3FCU2hkR2lWS1JnanN0RzdlcGFaVUZtUk1mUWhUWmZXYVRHZC1WS0htMkZfNmU5VEpUMHdWRWQ4V3lqaUdBRk5kWGxtLTd2bjhR?oc=5) · donohuefuneralhome.com
- 2020-05-22 [Francis Devine Obituary May 22, 2020 - donohuefuneralhome.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE14S2hJWmlpN0JrdmxJdjl3TVJEM0xjXzhzVWN4MTQwbkxuejU4T0diRloxckJMNnVGNWFVc1J2d3BtaUh4OWdHWUxpdGpYN1dpeGJkTVA5Tkp0NGlXajNicXhoSnhnZVN5a19ja1JEakVjQm1PTVE?oc=5) · donohuefuneralhome.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26947 (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/3.json (key "26947", 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