# ABINGTON SAVINGS BANK
JENKINTOWN, PA · FDIC certificate 27942 · asset band $1-10B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $1.16B | |
| Deposits | $855.6M | |
| Loans and leases | $633.7M | |
| Total equity | $185.6M | |
| Loans / deposits | 73.54% (p39 of band) | 78.45% |
| Liquid assets / assets | 37.07% (p72 of band) | |
| Uninsured deposits / deposits | 17.96% (p52 of band) | 17.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.14% (p45 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 15.51% (p95 of band) | 9.43% |
| Unrealized securities loss / equity | 5.51% (p61 of band) | 4.11% |
| AOCI / equity | 1.10% (p44 of band) | |
| ROA (annualized) | -0.68% (p6 of band) | 0.76% |
| Net interest margin | 2.96% (p17 of band) | 3.68% |
| Efficiency ratio | 144.26% (p99 of band) | |
| Noncurrent loans | 2.50% (p52 of band) | 2.39% |
| Net charge-offs (annualized) | -0.01% (p3 of band) | |
| Reserve coverage of noncurrent | 28.24% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 52.16% (p68 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | – | |
| Employees | 156 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | losing money, expense ratio p90 |  |

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

- 2026-01-04 [Ann Elizabeth Dougherty Obituary (2026) - Jenkintown, PA - Joseph J. McGoldrick Funeral Home - Jenkintown - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVHdwNjZOcGFiNjFGZ1lSQU5POTZXUTN1Rm5iLUpnaDBYVEVBVzZaX0lWTElMblpQUjVRa2FTSTNrYURxV0xfQVRPa3BiT2dScUptek0yV2FDblQ3TVVTZHFiY0J4dHBkLWhoVzVrdXl6Tk1lVFRSbTFZY3Jfek1OOHpn?oc=5) · legacy.com
- 2019-07-27 [View Martha Leary's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWmVvNFhPRjB2aG5VMGZadEgzb0d2VXpLbVV3TXYzN0w5X2taTzZ3QVZEN3JMaDU4LURKY0gtX1AzamFhSFAxaDd3czN3U0FsdGZCTjhObl9YWnFfTzE2UlVyZnlrOXdqY1g2dVZaVmxvOFYyNmxib2w1bVY4RVJ1OFJvbTV3VEJUbnRlSkVkalgxN2dhTDZyVGtIdVg1cEtPcnlN?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27942 (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/38.json (key "27942", 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