# PEOPLES UNITED BANK NA
BRIDGEPORT, CT · FDIC certificate 27334 · asset band $10-100B · latest filing 2022-03 · 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 | $62.77B | |
| Deposits | $53.54B | |
| Loans and leases | $36.31B | |
| Total equity | $7.33B | |
| Loans / deposits | 67.18% (p34 of band) | 73.44% |
| Liquid assets / assets | 33.37% (p60 of band) | |
| Uninsured deposits / deposits | 47.52% (p63 of band) | 44.03% |
| Brokered deposits | 2.62% | |
| Wholesale funding | 3.27% (p50 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 8.53% (p29 of band) | 9.36% |
| Unrealized securities loss / equity | -7.17% (p63 of band) | -9.79% |
| AOCI / equity | -4.56% (p54 of band) | |
| ROA (annualized) | 0.14% (p7 of band) | 1.07% |
| Net interest margin | 2.55% (p31 of band) | 2.87% |
| Efficiency ratio | 88.85% (p98 of band) | |
| Noncurrent loans | 0.85% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 110.47% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 12.56% (p27 of band) | |
| Auto loans | $6.9M (0.02% of loans; DQ 1.82%, NCO 0.00%) | |
| Loans to nondepository financials | $2.01B (27% of equity) (p82 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 5320 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | loans exceed deposits |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | wholesale funding >15% |  |
| 2014-03 | 2 |  | capital falling, wholesale funding >15% |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 2 |  | loans exceed deposits, capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | wholesale funding >15% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | wholesale funding >15% |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | wholesale funding >15% |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | expense ratio p90 |  |

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

- 2018-10-19 [Berkshire region real estate sales Sept. 30 – Oct. 6, 2018 - The Berkshire Edge](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTU1ra0dhQzluek9uMXRDT0RTd2Z1elF2cC02SHNqalZyRXczVGZMNEF0Vmh1d0wwWHpWM3dZVGdSUlZtYlFhd2JLZjFKX2d0OHQtNHRBaUF5SWxNZFdIZ0NlWnU1N2JJdXZOemF4QmNVMW1NRWx1Mzljc2xJb25qRDVBQWd6Qk9QdENv?oc=5) · The Berkshire Edge
- 2019-12-20 [Wilton Real Estate Report (Dec. 6th -11th): 16 Properties Sold, 3 for over $1 Million - Good Morning Wilton](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdWFlUEdyeEpCeEEzQlZsRFBZSFhoTm92UExvTnozMzFGMnpEM1RtTTRzdE02RzRlTkhVMW4zSktkRU5VTlFGZnlicjhxSWo2OHZaeDhxNjRCQTZBWkhDbkZuTmFhNzljVEhBd1JwRTE2Z3ZpSDBZWklUSXRLUGdtSmhMX0ZMc1NLZjZhNm5PQk9saWNDQ1VaQUpzdXU5YS1lYlI5YXNyQmFEVHRBYVN1aA?oc=5) · Good Morning Wilton
- 2015-07-09 [Property Transfers - Norwalk Hour](https://news.google.com/rss/articles/CBMie0FVX3lxTE1kZktUdmpmXzBxdWhNSDJsaXNWTTBpSkxlZm9JY09mQ0pZRm9TVkJidzRpME9kLUU0eWRMMDY1VmRrUEFMR0VLU0g4QUpJd1dudmprdWpOYTIyYnVXa0NDVU4yelF2ZERkS19mbE5NVU5NYWZNQTl4dlBtWQ?oc=5) · Norwalk Hour
- 2020-04-20 [Westport property sells for $3.2 million - ctinsider.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNNFl1bFlpMUlLUDBpcFJZVENGeGZ3SC1BclRWMXRGWXo5QWZ5MjFycnpCN2hBYUk5QUlmNXktak51OG5UUnF5WFNnT2NBOXZXQVhUMTVjbnZCRVY0UzZlazlvSjM1SU0tRWVDQVJFZFNPa00tc3UtWmJ2QUs5QkhON0pUc3V4U1pWTmVoQWlETWpMZ2NXNlE?oc=5) · ctinsider.com
- 2017-09-17 [Real estate transactions for Hampden, Hampshire and Franklin counties: Sept. 17, 2017 edition - MassLive](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdzdtSl9hUUJCLTRJQ0x4b0tVdVdBZUxBTTYtb01oRVdCVFhhQlptc3BSX2R1ZmJNcWdTMmdETGd1V3dsUFZtZDREUjhNajRuYWV3ZHQ3WWgxdlpzcTVldDYyUnNSbVhHRjNnTjRwODdFSk5USGhaUkFkalpRZFJBcm5rdGVkb0I5QnpZckFoc00?oc=5) · MassLive
- 2019-05-03 [Berkshire region real estate sales April 14-20, 2019 - The Berkshire Edge](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOek9JNlZxc1ZpU1BreU1JY1JMTjF3akh2dWdmUVZBczJDQkpDS3RINHlLbnRhbVVlb00wcHVlNTlyM1dvbHh6YzR5X3JUTlFHZmpBZ1Q3MTRyVnRFTXZJdzQzM0tJVVBWd08zSi05dE5OcGFYVTZlWXFraFF0Q29DZ245ODZFTGky?oc=5) · The Berkshire Edge
- 2015-12-03 [Property Transfers, Friday, Dec. 4, 2015 - Norwalk Hour](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdzZMem0yU25JdDlITEtFbzN3dkFYS2ctZXFuOWNEdE82MkEwNXlweU5NYVd1bnhvenZ1eHFOOHBqeXJ4ekJhWHZaR3JzdXBvU3BmSGdtYllFb09JWVhLUklXeW5iUW0ydXQ3WUVZY3BPTG5TeGxUZTZrUGxDc1BqR015dWg0X2Q2eGlneVZ0MDd1YkJlemc?oc=5) · Norwalk Hour

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27334 (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/6.json (key "27334", 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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