# WILTON BANK
WILTON, CT · FDIC certificate 26948 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $69.6M | |
| Deposits | $62.7M | |
| Loans and leases | $29.8M | |
| Total equity | $6.5M | |
| Loans / deposits | 46.16% (p15 of band) | 69.26% |
| Liquid assets / assets | 48.58% (p75 of band) | |
| Uninsured deposits / deposits | 11.82% (p50 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.24% (p29 of band) | 10.33% |
| Unrealized securities loss / equity | -0.05% (p58 of band) | -0.53% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | -2.68% (p1 of band) | 0.77% |
| Net interest margin | 2.44% (p7 of band) | 3.62% |
| Efficiency ratio | 228.46% (p100 of band) | |
| Noncurrent loans | 23.81% (p100 of band) | 1.08% |
| Net charge-offs (annualized) | 0.42% (p88 of band) | |
| Reserve coverage of noncurrent | 12.42% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 161.00% (p99 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 | -1.1% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 8 | capital falling, deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 8 |  |  |
| 2012-09 | 7 |  | deposits shrinking |
| 2012-12 | 6 |  | assets shrinking |
| 2013-03 | 7 | charge-offs p90 |  |
| 2013-06 | 7 |  |  |
| 2013-09 | 7 | NIM <2.5% | charge-offs p90 |

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

- 2026-05-05 [Man Accused Of Cashing Stolen IRS Check Runs From Police At Wilton Bank: Police - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxQb2ZSZFYxbEh1R2piNXFGNGt4TC12UThoNDhDWEFiYXNQbGEtQ1QzWHEzZ0wwRUdJZFhyZVJtQnNjQi1hVTFSWFZXdUhGZVpRNkhPZkdzV1djNnlqMnY5andjeGRwakZzVlJVUDR5WS1kWWQ2QlYxVVVWcVRNeTdlQ1dmNjU2bWE3TWRzUnNSc19LRDgwT3RJd3lrdGtFb1oyWVJ2eG5vSQ?oc=5) · Patch
- 2026-05-05 [Man caught with stolen IRS check, fake ID at Wilton bank, police say - wfsb.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYkVkWTY4Vnc5bS0teU9iNXpzYUlmSmdfOEFGNnhTaHhjN2FBLXJxMUFNOTFPMHNkSktnNGhaR3dzZ2pEOHI3Y1R1dUVLdnZjN1VIY3Q4b2pLUUtaRHVGem5leHhHeWUzanNLREFxems1dmhpRjB3NlJxYVhiUnJ0Skc1UTRYbDFCeFhLdTJWckcyQllILUd3bmpQOFrSAbABQVVfeXFMT3Z4cWtfX0xXLS1hVm1PMXBsZk92WmFpWHd6c0NDQVBTWTZjQkhoUHNodGJlOW5aREtRcnJ6U2pXLTBwRlYzYlk5bXNqQ3N5Z2V6U185Z3dEeVRkVjdiR2QwOVFpM0w4N3YyZGJGZmpvZzE3Mk9HVUVXZk9fSjJVLUdFX1lkRV9ka21CZEFVX3gxWlNtRWJQOGVsU2ttVUcxbm1PcFNJR3hOZjlHTEFwNEQ?oc=5) · wfsb.com
- 2026-05-05 [NY man tried to cash stolen tax refund check at Wilton bank, police say - News-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxONnk0cmE4b0pEdFNFenphWjVzSVJodFlTUGZBcTAwREhkTXozRFNQV1NOZlBRdFhmU3RHcEE3MnBBTmdEYVYwOFAwTGZMVVUtbTV3R2ZoZGJhTTEzZGFYSWNhR2RGTXhyUnpaMW9MS0Q2bFo2OVhCME9tcEhMZFUwdWZvMWd4OWxZNnFkV0M5MHNTVHpYRWlLaFRZRQ?oc=5) · News-Times
- 2021-05-03 [Police Charge Man with Larceny In Wilton Bank Fraud Case - Patch](https://news.google.com/rss/articles/CBMigAFBVV95cUxOb1V4cjR0VjdyRDl3R1N5U2p6U25nM3NxZE5GWDFteHpzRFRRTHZSMUNLOGo5aVJ5cUlKZ2FqcjVxT0Y5MHdaMjdjLUVQazB2dkNGSTdSaEgwckhob2hKLUNNZGQwYng1aEZhcmxWZ1Rtc3I1U053THRpQ19NZDE2cA?oc=5) · Patch
- 2016-08-21 [Frances Charney Obituary (2016) - Stratford, CT - Connecticut Post - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNclh2akhwUzZzcUlOSFc2WGdWSklJMVU5bEg4VE5VNEpJa2t0RUp5d1VZRlI0X1VqM3dUUHM5OE9UVEhCTndteEVpZUdxZkNqZEFRa2pMUjhwbWNDNDlaSGltaXdsQjYyNmhLRXlMUlpIU2hReFhFaWEyVThPMGxDZnhBWk1mODN5Q0FXQlB3?oc=5) · legacy.com
- 2017-05-03 [Man Confesses to Wilton Bank Robbery: PD - Patch](https://news.google.com/rss/articles/CBMifkFVX3lxTE1yeFQ3QkhLUU0xUEtvTEVKNmFaa3ZFc3JjWm91MFlBY3hSandvWUhUMUtwdzRIbXg2Zzc1Y2pLUjZXcmY2RHA1ZXpsVjVJanF2RjNNbHBaVGM3Rlo4cnRzMnhEdnVpQXMtanA5aEpRR003WThoUEl4U3ZMSEFIQQ?oc=5) · Patch
- 2025-11-11 [Wilton Police Report Fraud Case, Reckless Driving Crash, and Lost Property - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMmJXcnJLdG9qUG1BSVpOTzlQTGd3d3d4a0hlaEdUamRsWkswWlowV1lwRXNnN2dpaGtFTUM3VF9kdkxYSnNwOVBIVllCRWlwUnEyZUFvQUhfV2dYS1c5T1hDSndOcUoxeExGOW9fcXRLRU85aXVpeXZXZDlTQ1p3c2NxN3hXWEVjUWdvYkhJc3NWRjJxMVRrSWlzQ2hpUHRpZlZVX1JCVmc?oc=5) · Patch
- 2014-09-23 [Patricia Sweeney Joins Stamford's First County Bank as Commercial Banking Portfolio Manager - Patch](https://news.google.com/rss/articles/CBMixAFBVV95cUxOUXp0RENEdG9IZGFfRUwzSm1Xa1VLNk1PVUhqeE4tUDA1Yklmb0lDaF9jVUJZX1FRWDNpTjFGS2Jwb09uZHYwOHdTRnh6czFsMXExNmVtaUJuYXVFX1hkUHZ4QkN3Wk9ldHoxLTNCNVNUOG9VVjZfRFBTTUVpTFFieF9lRVVjS2pHRHR4dDctdUNpRF9nUGhJN18yel9XRTA0MEdzaVJuYnh3bHR6MW9MUUVfTzR5dlNKdUo1VnhqSWRiSVZP?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26948 (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/4.json (key "26948", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide