# COLLEGE SAVINGS BANK
PRINCETON, NJ · FDIC certificate 27041 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $299.6M | |
| Deposits | $246.4M | |
| Loans and leases | $0 | |
| Total equity | $46.7M | |
| Loans / deposits | 0.00% (p1 of band) | 73.61% |
| Liquid assets / assets | 98.80% (p100 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 13.65% |
| Brokered deposits | 17.74% | |
| Wholesale funding | 17.74% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.24% (p83 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p20 of band) | 0.86% |
| AOCI / equity | -6.80% (p0 of band) | |
| ROA (annualized) | 2.21% (p95 of band) | 0.84% |
| Net interest margin | 0.21% (p1 of band) | 3.64% |
| Efficiency ratio | 49.78% (p7 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.69% |
| Net charge-offs (annualized) | 0.01% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -29.8% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, leverage <7%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 4 |  | leverage <7% |
| 2011-12 | 5 | leverage <7% |  |
| 2012-03 | 7 | losing money, expense ratio p90 |  |
| 2012-06 | 7 |  |  |
| 2012-09 | 6 |  | leverage <7% |
| 2012-12 | 6 | noncurrent p90, assets shrinking | brokered >10%, losing money |
| 2013-03 | 5 |  | expense ratio p90 |
| 2013-06 | 6 | deposits shrinking |  |
| 2013-09 | 7 | brokered >10% |  |
| 2013-12 | 5 |  | assets shrinking, deposits shrinking |
| 2014-03 | 8 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2014-06 | 8 |  |  |
| 2014-09 | 9 | losing money, deposits shrinking | capital falling |
| 2014-12 | 8 | assets shrinking | uninsured deposits leaving, losing money |
| 2015-03 | 8 |  |  |
| 2015-06 | 5 |  | reserve under noncurrent, noncurrent p90, expense ratio p90 |
| 2015-09 | 5 |  |  |

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

- 2015-12-04 [NexBank SSB acquires College Savings Bank of New Jersey - The Business Journals](https://news.google.com/rss/articles/CBMiswFBVV95cUxNcDFjcjQ5V3pnM0xxR3V1MllvdGVyUFRCT2ZDNzRyaGdRSUJMUDBTcWxLYzAtQjZOVXBmZW96Nkh0bUI2OG4tdHhGMEc4SWdDS0lmMU43S1o4eGo5cGl3YWlhNUUwTUJ6a3lhQUJHS1RMVkl5QnBTckxkazVBdmJMU3B6YjJ4RHFjZ3dQS2xtcnNRVTFFQ1hVLUE2d1VRaC1faVZtWU5nWUlpcl9YcHFYc3M4SQ?oc=5) · The Business Journals
- 2018-07-02 [Janus and the Law of Opt-Out Rights - Harvard Law Review](https://news.google.com/rss/articles/CBMihAFBVV95cUxPME03RUhoYzRSbk1kVVhkbjlXenlNa3RpM1NCNXNKa2tKa2tLWi1ONWtwZzdTaWZmclB3SEp6c3ZmQ1FUaDZFWllpbHVhcnZsR1loQVJFNGVmX3ptbWZVakxyMFZYZVVmWDN6a2FldXdrV0tHa3pyZXp1aHQteldzZHZiYjM?oc=5) · Harvard Law Review
- 2023-04-06 [DFW Bank Snapshot: Take a closer look at NexBank - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQeFEyRlVhak0wWmpxWG9mZWd2Y2gweWUtN0RSaEpDczJ3TXpwSGprcTlGRTU4QkxNNUJ1Mk9NTF9CdHJqaHpMN0o3dEc5am9EdVJUV0JqZHplbmdQcm5PLWR2a181dEphbzNzSkFmTXd1cjBFXzlpUFlVOGRLTGc2cU9aTXhXTUFf?oc=5) · The Business Journals
- 2026-08-10 [College Pulse Revenue 2024: $5.7M Est. ARR - GetLatka](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1pUVFGWWJYc1FFdEhPTTRJc05HUjVidXgxWFNkU0FjOThRblRGckxZQ3EzbjZsbG13UDhIYnhwMVhJWGJZbmU0eDVuQ0wwcFVsSmN3enp5LVdxQ00?oc=5) · GetLatka
- 1997-09-01 [The High - Risk Prepaid Tuition Plan - Florida Trend](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZC1admV2Y0VXdnIyRm4xZS1OZ2N5dUE2eEdHRlZhRzRsQm5RVHlwRWtlQW9aaklaWXlWSURoLVdWaVNHWktYNW1sdmNxSmV5dk8tNjdTX3V3NnBpMEpJcC1EZG9DTXJmSDhHb0V3Q0hxVmI2RXBvR2ROMnpTR0hOUnRUY1ZKUQ?oc=5) · Florida Trend
- 2016-02-02 [Exclusive: Alston & Bird snares Sandy Brown and 5-lawyer team from Bracewell - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSkp3bUN4S3ZuQzFndGVUazdNN0tDMVlqUzNrTmJzQ1R4Vk9GUzRuV0pOMElzdGRmVlIxLVdlaURXRkJVd0dESkVMVmZseF91Rk1OTG9qQ3FPcmQ0d3JmQnhKbHJtN1pPLXh4SDZqUERCTkhydWJhc1Z0WDl1ZkJXSXE2VnZBbnJqdnNJaFdxelg5VmhqUkZIS1dhZFdhamh6?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27041 (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/33.json (key "27041", 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