# COUNTRY BANK
NEW YORK, NY · FDIC certificate 27226 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $795.7M | |
| Deposits | $650.7M | |
| Loans and leases | $621.8M | |
| Total equity | $88.2M | |
| Loans / deposits | 94.41% (p74 of band) | 85.34% |
| Liquid assets / assets | 20.77% (p43 of band) | |
| Uninsured deposits / deposits | 18.54% (p34 of band) | 22.41% |
| Brokered deposits | 5.19% | |
| Wholesale funding | 10.91% (p79 of band) | |
| FHLB advances / assets | 5.72% | |
| Tier 1 leverage | 9.85% (p32 of band) | 10.60% |
| Unrealized securities loss / equity | 19.31% (p100 of band) | 0.73% |
| AOCI / equity | 10.35% (p97 of band) | |
| ROA (annualized) | 1.29% (p63 of band) | 1.13% |
| Net interest margin | 3.71% (p48 of band) | 3.74% |
| Efficiency ratio | 55.90% (p21 of band) | |
| Noncurrent loans | 0.68% (p59 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p32 of band) | |
| Reserve coverage of noncurrent | 179.63% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 51.53% (p62 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 | 7.0% | |
| Employees | 54 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | expense ratio p90 |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | charge-offs p90 |  |
| 2013-03 | 3 |  | charge-offs p90 |
| 2013-06 | 2 |  | wholesale funding >15% |
| 2013-09 | 2 | wholesale funding >15% | brokered >10% |
| 2013-12 | 3 | securities losses >30% of equity |  |
| 2014-03 | 3 | capital falling | securities losses >30% of equity |
| 2014-06 | 2 |  | wholesale funding >15% |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 2 | capital falling | wholesale funding >15% |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 0 |  | reserve under noncurrent, wholesale funding >15% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |

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

- 2026-05-14 [3 suspects from New York jailed in alleged cross-country bank fraud scheme appear in Natrona County courts - Oil City News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQSkhDSm5oSFZJMEltdzBjS1BvOWhtMk1hVU9nc3ZkSXM0TzJwZDJlVTNBdkgxcVhTaEtGbG14NG9GaGtEV2R2bUdMYkRrazFWakRrVnpvcVU1VWNoa19YUG12YkN2ZHZDUTY2NUVYal9Zcl9xellPYXdsTUY4R0hXZkcxamlPWnMtY1pLQWJGSG1WMXNKRUFrc2p2R2FHRTB5bmhnSG0zcnBPR2l6VHhpaHNackt1bmtiWE56TVF0dFVHTlJJNV9haFZTSm45MUo5cXdoVDFJcnBoWFFraFU2Qg?oc=5) · Oil City News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2020-01-02 [OceanFirst completes Two River, Country Bank acquisitions - NJBIZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxOS0JJZXJkbE5HMEZyQ0pLTzc4bXdwRmdHQ0JKWnFjWktfMWlsNnVlYk1YLW1seGhUaHU5MDBNcUJMQXU0MEFxNWNkT2pPLTRaRmFpTi1tMkVaWmJnUzFVenlNd29HVHBYelNTR0F0dnVsYnZuU2lQbVpJRGZIWlIyTw?oc=5) · NJBIZ
- 2018-10-30 [Country Bank At NYC Columbus Parade - Bronx Times](https://news.google.com/rss/articles/CBMibEFVX3lxTE5TTHdYeUNiMU9YdTNzVTVnN3FRU3pyS0tDaXFYdVVOVm9ZazhER2xsVjZ4Q0daYnFPSnFadzRLWjltWGJnVGJxZzdob25fRFNRQ3BzN1RKZGswaDdkZTJlcXJlMm84YXlxVUxodw?oc=5) · Bronx Times
- 2019-08-13 [Country Bank to merge with OceanFirst Bank - Westfair Communications](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRFU2OEdmaXBaZWp0cU9HUGVGaU44ZG42UloxSk9ULUpQcXhEamFKWmNIbTdaOGtCbFhBS2RmTWdsbVlOcmhzTTdhampJMEUzU0czVzM3bll5YzBMeW1oYy1pTEtxMGFxQk9WM2kzRTlmRTZHeGhqekVNOTEzOV9ZTkZHV1RIY280T1VNeExSYw?oc=5) · Westfair Communications
- 2019-10-07 [Country Bank to Merge - OurTownNY](https://news.google.com/rss/articles/CBMibkFVX3lxTE5BbUZfUTZVdktoMDdLVFBldHZwNFVuUjJVZjBFX2hVcmV0THQyY0l6eHhHNWdXcUtCM0xwdzIzZnFCbUZVZGw4U1oxWmQtWFI1cGd1X0ozZmVKd3FUa2RDTFRobXRnNHNsUzNSZ0J3?oc=5) · OurTownNY
- 2017-03-17 [F.N.B. Corporation Completes Merger With Yadkin Bank, Which Bought High Country Bank Years Ago - High Country Press](https://news.google.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?oc=5) · High Country Press
- 2019-08-09 [OceanFirst buying spree adds Two River Bank, Country Bank for $285M - Asbury Park Press](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNnFTbGlmVlc3YzRHZHY0OTNCYmtINDZvUzRkYWdtdDFIaUJRcFBRdUVxUWJiUXFVZ2NFUlUwNTVWNjNUUjEya0kyTnA5YjYyaGU3R2JtY2ZLZmJUWS1DZDVJMUE4VjZiUUZ2YmdLZHhTTGFZdllTR0ZNbFU5YVQ1R0lwVExaWVRiZWFKaVA4Z1oxSFJtQTd3T2NOOGlnZFA3YTdONi15TGp3d2txeGY2YXZ0MW41SUFVYTF2bnBJWTRmZw?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27226 (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/26.json (key "27226", 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