# BRENTWOOD BANK
BETHEL PARK, PA · FDIC certificate 27943 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.05B | |
| Deposits | $736.7M | |
| Loans and leases | $787.9M | |
| Total equity | $99.2M | |
| Loans / deposits | 106.31% (p93 of band) | 87.10% |
| Liquid assets / assets | 21.16% (p50 of band) | |
| Uninsured deposits / deposits | 23.97% (p27 of band) | 30.76% |
| Brokered deposits | 1.93% | |
| Wholesale funding | 21.63% (p90 of band) | |
| FHLB advances / assets | 19.70% | |
| Tier 1 leverage | 9.75% (p30 of band) | 10.50% |
| Unrealized securities loss / equity | -13.92% (p31 of band) | -7.75% |
| AOCI / equity | -0.11% (p65 of band) | |
| ROA (annualized) | 0.10% (p3 of band) | 1.26% |
| Net interest margin | 2.42% (p4 of band) | 3.70% |
| Efficiency ratio | 94.30% (p99 of band) | |
| Noncurrent loans | 0.75% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p84 of band) | |
| Reserve coverage of noncurrent | 79.11% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 1.11% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 108 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 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 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | loans exceed deposits |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | loans exceed deposits |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 3 | wholesale funding >15%, expense ratio p90, uninsured deposits leaving |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 6 | loans exceed deposits, losing money |  |
| 2023-12 | 5 |  | uninsured deposits leaving |
| 2024-03 | 6 | NIM <2.5% |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 | charge-offs p90, uninsured deposits leaving | capital falling, losing money |
| 2025-06 | 5 |  | charge-offs p90 |
| 2025-09 | 7 | capital falling, reserve under noncurrent |  |
| 2025-12 | 5 |  | uninsured deposits leaving, capital falling |
| 2026-03 | 6 | charge-offs p90 |  |
| 2026-06 | 5 |  | charge-offs p90 |

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

- 2025-06-10 [Brentwood Bank announces new CFO - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS1VXYzFPdnV1MWVsMUdjY0lNUzV3ZGU4d3ZXdmE2UDhRWVhoeVczSTVDeHBybUZtWE5WX0pla0hJcGVFZG93UzBkMGpBaWI3eGRtSnJVZEZ6WVVKY1VjZlNIcXdvTnRFY2JLWUhGUlNTN0VYMFluV2lVWGFOcll6WGZVX05VZklKSE5GaFBBTjVoX0pYZDQ0?oc=5) · The Business Journals
- 2022-07-31 [Brentwood Bank marks century of steely resolve - thealmanac.net](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdTQ5QkZwV1RJTTFSaXk3SlBtNnlrOHJCRVUyOVhkTmoxX3E3NjZuaFlXeGFDSGtXbmYtQUdvOWdJWUd3RjdUXzNXVnBhdHh4cTJ5MWhwTmw3VXlNdmRZYnBXdE53QVlSMVhkVU5Jc1phRW5KNWRpVFhJaFV6cUlqdnlPQldISXBmM2s1cVF1SkhyN1VEdlE?oc=5) · thealmanac.net
- 2026-02-18 [Frank Buonomo Joins MAD Global Strategy as Managing Director, Continuing Expansion to Pennsylvania - Insider NJ](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQV0JmUWlXcTl4V2p2TndVYVZBaEhEV1ZyNjdpczIzYWRYZjBuVFVaVmt3dkxZSk5GUkFoSzdabmo1TGhuUXJ6S09mRExSUDJkN0tnZE5MS3VlbTR6S3pIY3pFQzBuaW9QNHUyTzVIM3hBY18tUzJZZFhHbHdIUzJlaGRTcGFYNElMeE82bG5EMkVIRWM0aW9aNGItZXRtSlBzSmVmZzRTUll2TTdCeVpVQ3hPQlVITUQ2dDZEbTFsQmJqME5Yb0VHcG91VkFfWXNuQUpYdA?oc=5) · Insider NJ
- 2021-09-18 [FBI charges one person in pair of bank robberies, another in custody - Observer-Reporter](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOQlJWQ3l1SlBtemF3LXkzX3lmbVFHdHctTlNEVXc1VE9uYndhYU9uMDI2Y1pSV3loVnJMRzN4XzAxSkI3OE1iLWxEMWhIVko2cS16aWhmSWRPbnQtTVphdkxraWttSmF6M01VWHNNdmJCYXJvTmkyTDF2Rmo2QUVESUR1NTdGQ1pXWWJpdGk0V2otNFFOQmYySWRteVJYYlh4MDFRbnF2dkhldGlpRV90b0ZmenhtOXI3Qmlz?oc=5) · Observer-Reporter
- 2017-09-21 [Baldwin Man Sought In $111,000 Brentwood Bank Heist - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxOcmNpUGdSTXlaNkRFZmR4SGl0NGVjQkZ3MHFYZVJ0dGlQVzhoZ2hpbXRvekpnU2h3b3JKSkpSelYyZDh0Uy01ZGtLamhZYlZ6VFJPYlJyTVpQOXJMQU9FcVE1SDJBcElIb1F6bFVsY01uVFVwdm1lTGlzZmxmbF9Td0Y5SUM3VWlxczQ5Zk02dERfOV8z?oc=5) · Patch
- 2025-03-07 [Brentwood Bank CEO dies unexpectedly at 40-year career milestone - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPT18zLXRfX0t6V2pqQ0pJa2RidEpuN1hlUlhTNzFDSnRkS0tIZkx4NkZJalpLZUZfaTB6Y3R4XzNCaWlwY1U1aWt6dnhkX0NnSzlvR0l0cGJxdjVyS090WGRqZG9hS2ZId1pUWmE0WE45MjVXWElvbGpuWFRpSVRsYmZld0NUVVhPTml0VWo1WGZnZ3VNSjg2MnQ4Z2hDZw?oc=5) · The Business Journals
- 2014-04-18 [Armed robbers hit Brentwood bank, flee on foot - WPXI](https://news.google.com/rss/articles/CBMijgFBVV95cUxQM1E0VEdVMjNOb3ZQUUJKN0tEZUFEZS1WNERCSHZucWk3eS1ablpxanA0RjFFeTlrcm5HZFpNbTNqRnlXd05kNkhtWFB4RXZ3TWtFU2p2dnJrZW11QXRHUS1VUlFDbkhqRjdiV2FzTm5MTnRKWkZZQURzcW1lemxVUVFYZ2NrbjBmV2FheU5n0gGiAUFVX3lxTE56MW9LMFBUMDkxck42djkxbVhfQVptNVJnLWVlM09ERThIOWhwbV9FLUstMjJPZ2NDd2JFeWpUQmpXTTBsM3Y3SldTMFI0MnEwbnBqVkszVjJ6dVVsMDB4UXR5RWFiT1VVbkFQYnFYMUZEbFh4Um1ENHlRNWFMSmlzLTVWSHdVNjBJV0hiTktJa0tuNGg0OTY0OXk3djJvcGVKdw?oc=5) · WPXI
- 2021-10-07 [FBI obtains search warrant in South Strabane robbery case - Observer-Reporter](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVkJCTnZzVFJDXzFDUzdPN05SNkxKVnZ4RnM3Z3JublZ0ZlNFWkJ5b3A5OHhXYlpfbEFCTGg1aHdraUdvRERQYjlRYjhQT1BfdG1yZGU3dDh5dGozcHVFQzdBNkhwNThZZGNneTRjYTdNQmh6M1R6Q1FvOGNSLVd3aGJHRlppMUtGeHhkdm9iN2dKTjV2UkJtU2h2bFlzN3NZajhwLWNjcm1pWExveXc?oc=5) · Observer-Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27943 (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/39.json (key "27943", 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