# CONESTOGA BANK
CHESTER SPRINGS, PA · FDIC certificate 27013 · asset band $300M-1B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $660.0M | |
| Deposits | $582.3M | |
| Loans and leases | $533.0M | |
| Total equity | $65.4M | |
| Loans / deposits | 90.53% (p68 of band) | 82.54% |
| Liquid assets / assets | 13.91% (p16 of band) | |
| Uninsured deposits / deposits | 21.90% (p57 of band) | 20.09% |
| Brokered deposits | 8.53% | |
| Wholesale funding | 9.43% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.19% (p51 of band) | 10.14% |
| Unrealized securities loss / equity | -2.61% (p1 of band) | 1.64% |
| AOCI / equity | -0.85% (p1 of band) | |
| ROA (annualized) | 0.24% (p5 of band) | 0.90% |
| Net interest margin | 3.88% (p70 of band) | 3.59% |
| Efficiency ratio | 97.88% (p98 of band) | |
| Noncurrent loans | 0.88% (p58 of band) | 0.70% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 124.08% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 6.45% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  | securities losses >30% of equity |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 3 | expense ratio p90 |  |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 2 | assets shrinking | wholesale funding >15% |
| 2012-12 | 2 | losing money | assets shrinking |
| 2013-03 | 2 | charge-offs p90 | losing money |
| 2013-06 | 3 | wholesale funding >15% |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  | charge-offs p90, capital falling |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | expense ratio p90, assets shrinking | wholesale funding >15% |

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

- 2015-10-22 [Beneficial Bank to make $105 M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOem5GUmR1QnB6Z0NLVzY4YzVqNjdtUnlQaW1TRjlfMkthZHNnNjJhQy1LOXpWTUNveW0wa0tneG9CTWtHYm96aFpGbi12TXhtV2ZBTWotS2JvVE10aEozRmdYYjA4a2o4dFdtTDBuT0d6ZTY2MnFuNGdMNjV6bDZMYVJYRkpwWnpfVTVrU3JCOWFtU3NRczB0bnVId1kwMFYtZTNpNlNRTQ?oc=5) · The Business Journals
- 2012-03-06 [Attempted Robbery of Sovereign Bank Branch in Philadelphia - fbi.gov](https://news.google.com/rss/articles/CBMisAFBVV95cUxPblZFQjR6WS1Vb0xGNUFCdFg1d3lfZmt4Ml9tZi1kUkNQVEVNX1RGU1E4TmtJbktvdWg4eUdNamNYa1JrVTk1dTNMNjNWSUNkMGc5TlduUkU4UlBXcTd1eExKaGN0WHF2Q3FxY2FkNmE3djhXZ1dpbkdaVi1pZFVZWjR2c3oyVFNLdkl3R3V4VzdRRjFxN0VLUXRTWHhTWWFnVmVyLUxjUVJZTk9JQmtyeA?oc=5) · fbi.gov
- 2011-04-05 [Conestoga Bank announces personnel changes - pottsmerc.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNLVBCV21mZDZ4MzJYbVk4emZfVTVHMWc4dC1ZV041VHlrMTdkc3lwVHZMdVRZRllTTFpLRFU0dllLSmZtV29QcjdjZW1hbk9JU2ljWi10S1p0LXRCWUNkUkJLQ04tSktPYWItN01jSjB2QXQ1cmRrOGZQd0gydzcwcUlBenNNcjQ?oc=5) · pottsmerc.com
- 2010-10-26 [Stage is set at Conestoga High School - Mainline Media News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVktsRFlWeTdRbU5sODJKNzZwdGR1ejJDRFJrbk1acG9pS1pGNVNKYV9CaExfY2pvSjR0cDdPalBUWkRwRXo0WGg4bkRUcFdkaF9oLW9nT3JCell3bE5wVk9fR29hTTlKMGFMazZDRmZWcHhhSEZ0UEdoQmtOUm1aRG1Kc3RSSnZsX1ZR?oc=5) · Mainline Media News
- 2026-03-26 [Dorothy A. Hince Obituary Jun 26, 2006 - Charles F. Snyder Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE15YklQN20yRGtYcEhnX0o1Y0l5Y0NseWhmaUxHRzlacjgyNWg0YUFaSlRlNDZkUGVtcHhnX3YzRlFEakJZdmY4RnRQbHhkNEJCc0JmLWJ0QVdZWWw3eWhKMzlCX0hkdl82Unc?oc=5) · Charles F. Snyder Funeral Homes & Crematory
- 2024-06-03 [Larry Ziegenfuss Obituary - Allentown, PA - The Morning Call](https://news.google.com/rss/articles/CBMicEFVX3lxTE9YelhoMkRCMWtHeWpEUmkxV180V2EtanVjbmlBS29jb0RZUGlRMC1KRWUtY1E2NUtHeVZNWjRrSTJLWTZuaGdNTm9tSXRiYktrRHNzMWd1UHlmNzZmTVc4QU5weVg3U0xSYy15OEtYeGo?oc=5) · The Morning Call
- 2021-09-08 [Helen J. Kline Obituary Sep 8, 2021 - Charles F. Snyder Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE1oQ21VbllGMEZIV2dBNW9QVW9KN2ZiMnMtNE5NaUx1bkgyVllnZDZTUV9qa3F6cEp6SnhrTUIxdEdvTm40TjdwYXJNOXUyY2tkdDlLUlQ1UjA2d05MQk9JMkdoYVc0ckZraUE?oc=5) · Charles F. Snyder Funeral Homes & Crematory
- 2011-10-17 [AMETHYST UMILE-FEUERBORN Obituary (2011) - Philadelphia, PA - The Philadelphia Inquirer - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa3dsWDZScEwzUXRwMFRIWFRvMVp0dVk2M216V1RaTmp1NzUxVk50Yk0zSUJ0SDg5V1BiOG5WcVdlNk9vdHkyLURFUEk5ci1iQjdDb2JaallNbGhScVVKdklwa05iaU9QQ2pwd3dRSF96NEgzTU9zUDJQX3N5M1paODVGRkpFSzZpZTZqbWNMNXU5cWVvbWhCSE9BOA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27013 (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/5.json (key "27013", 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