# STANDARD BANK
MURRYSVILLE, PA · FDIC certificate 27757 · asset band $300M-1B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $996.3M | |
| Deposits | $791.6M | |
| Loans and leases | $625.1M | |
| Total equity | $151.8M | |
| Loans / deposits | 78.88% (p65 of band) | 70.32% |
| Liquid assets / assets | 29.31% (p41 of band) | |
| Uninsured deposits / deposits | 17.18% (p12 of band) | 27.51% |
| Brokered deposits | 0.05% | |
| Wholesale funding | 5.13% (p72 of band) | |
| FHLB advances / assets | 5.08% | |
| Tier 1 leverage | 13.29% (p89 of band) | 9.86% |
| Unrealized securities loss / equity | -11.12% (p68 of band) | -19.94% |
| AOCI / equity | -8.12% (p65 of band) | |
| ROA (annualized) | 0.64% (p20 of band) | 1.00% |
| Net interest margin | 3.01% (p36 of band) | 3.20% |
| Efficiency ratio | 71.40% (p69 of band) | |
| Noncurrent loans | 0.65% (p74 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p65 of band) | |
| Reserve coverage of noncurrent | 16.98% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 15.00% (p19 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 151 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | loans exceed deposits, capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2017-09 | 2 | capital falling | expense ratio p90, reserve under noncurrent |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 2 | wholesale funding >15% |  |
| 2018-06 | 1 |  | wholesale funding >15% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2021-09 | 2 |  | expense ratio p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | uninsured deposits leaving | NIM <2.5% |
| 2022-06 | 4 | deposits shrinking, assets shrinking |  |

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

- 2023-06-01 [Dollar Bank Files Notice of Data Breach Impacting Standard Bank Customers - JD Supra](https://news.google.com/rss/articles/CBMiigFBVV95cUxQSGVzQkFkaEd6NkRtV1A5WGZ5TzVtSXhFTXZPT09GVVllcnU3NzZtZDMydFE3ZDlTRkl2WHVGRWFYX0wwN2FVbGgyeTdNOEdSaC1iRF9qQmV1SXk3Q1VQNGRUb1dPTHVkVlM0X1BuU0thX0pSUzVfT29PS0VJZU9XZ3F5WTEzbFpnakE?oc=5) · JD Supra
- 2021-02-22 [Standard Bank (PA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMif0FVX3lxTE5yQklwNld6WUhTZlNrZjMwd2N4SVhlakl3RllLRXRTSUhBRHdBTV9IRW1NMjVhbnpvZ25UNmNkZmtHbThseXVXSEZsZVpkcVFfQVFGU2pNNUViRmZOUjBhS2RDNE12ZFY3SW8wbl82ZVF0eERHeVpMbjRFV0RnbXM?oc=5) · SmartAsset
- 2022-05-27 [Police investigating bank robbery in Reserve Township - WPXI](https://news.google.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?oc=5) · WPXI
- 2025-05-02 [Dollar Bank class action alleges bank failed to protect private info inherited in merger - Top Class Actions](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPVWFBbllaZE15VWZkelpVd0RFcVJyekljbHhoQUlGcHFXTVZ6QXZRU0pwVHlRVDRnc2FYR3NPeDhJVm14WHpWZHlPbUtxd3A1SFdORWpwMW15azNieTlLMVY4MjFmdnBoVG50RFVKakVTWWY3Q1A4NjJEUmhBeUhCZVNRX1VybFdkR1pRdmZnTnBxbUpjbDY4ZC1DUXk5Zkk3RFFxUFFqVzk5Q1p0TnNPVlJ5Z3NTM2cxbjJ4a1Q0eHhHM2NLdU96MGg5Q0VCU0Z5Z09IeWRqbldjRXZYWk1aMGRzcmI?oc=5) · Top Class Actions
- 2026-06-28 [PayPal casino: PA sites accepting it for the weekend - PennLive.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNY09JQ1hXMk4zcUtrRmZoUGpMcmFpR1o3TVltN2pzamszcGQzLVZUOVlVN0NFNEpSTTRjMDBqNlBLYWZCalBiWGV3VmdpRV9zNXhjdUtQWnFmSndHXzRKbUJuWTFpSExaWVE5ZlNCMFR4N25xQ3VZZENOYXY5NG52TGk0QzFRRDQtU0wzWWhPOWJWSTJkUFdOLUJQa096Uk5ldnFGTVNuMA?oc=5) · PennLive.com
- 2025-10-10 [New Standard Bank SA boss gets green light - news24.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPd1ZIemtoZjlUQTdETllIM1JqSHJXOTE3UlRCQjBtSDJ5dEpEODdPWkRwTWpsQzN5MHpFeDdDVEJ4UDQzLVJrY3Y1eU1xUC1tTGdDMGkwM1J4LXJuM053RnAyeVVyLWxFZWp5LWU4SzlwRmY2cTZPcE9zQWRjQkIxd0NzNnNrS0xzbG9kNUtmSGdmblc3aVF1NWs5cnlQOEE?oc=5) · news24.com
- 2026-01-25 [Top lawyers have a warning for banks in South Africa - MyBroadband](https://news.google.com/rss/articles/CBMipwFBVV95cUxNeWFRMG94WEF4WnY3RENHbW1rNUlxc0tBeTJZc09PRWNwRkRjaENqMHozOWQ5dWw1ZWd4V2pOZEZnN3pCckp6WHdHcDVhakZybTFLcnFpcWM1NFFOYllySWdxZng0NmlibXZjY2xhU2dCSUZvdXp3UFF5ck5OdF94VTZkbGRMekRrT09BV0NLVWxyQ2taMVFXakhiYXhRUDlscTNDY2xWRQ?oc=5) · MyBroadband
- 2021-05-28 [Dollar Mutual Bancorp Completes Merger with Standard AVB Financial Corp. - pottsmerc.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPeWEyLUUwa0tQUmJTSW8wV0RxZEZqcFp0Mi1kWWRyTkx5MDBFV3czcEtKQlM5a2hHVmFpNFRvV3lHN3ZNOFpWUmNmVzk4ajdoZGJ0TExLOWVVQmNrTm9oOExiUzliQ015TVJhaDVsUGNTZ3A5MXBoSzdlZEZqQ29mOUtScUpUcWdtMFVuRDJ4MElCX1RsNXlibWRlOS1WS0JDYzYybUo3elE2a3BBd1l2bg?oc=5) · pottsmerc.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27757 (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/45.json (key "27757", 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