# FIDELITY SAVINGS BANK
PITTSBURGH, PA · FDIC certificate 28038 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $643.0M | |
| Deposits | $464.8M | |
| Loans and leases | $340.5M | |
| Total equity | $56.5M | |
| Loans / deposits | 72.27% (p40 of band) | 75.94% |
| Liquid assets / assets | 41.37% (p77 of band) | |
| Uninsured deposits / deposits | 5.03% (p14 of band) | 12.76% |
| Brokered deposits | 0.38% | |
| Wholesale funding | 19.07% (p91 of band) | |
| FHLB advances / assets | 10.11% | |
| Tier 1 leverage | 7.85% (p11 of band) | 9.72% |
| Unrealized securities loss / equity | 2.55% (p33 of band) | 4.38% |
| AOCI / equity | 1.88% (p82 of band) | |
| ROA (annualized) | 0.15% (p11 of band) | 0.85% |
| Net interest margin | 2.33% (p3 of band) | 3.69% |
| Efficiency ratio | 87.04% (p88 of band) | |
| Noncurrent loans | 4.40% (p83 of band) | 1.75% |
| Net charge-offs (annualized) | 0.30% (p64 of band) | |
| Reserve coverage of noncurrent | 30.13% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 27.79% (p45 of band) | |
| Auto loans | $10,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $28.2M (50% of equity) (p100 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 148 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | loans-to-lenders >50% equity |  |
| 2012-03 | 3 |  | loans-to-lenders >50% equity |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |

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

- 2025-09-15 [PHOTOS: Inside the future boutique hotel on Radcliffe St. in Bristol - PhillyBurbs](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNUy1TbTJxZFlFZHd3MXYxMVVjZFVJX2l2TXJzOEZVY0tQbVBMWExsQnlrNVg1a08zam5jTXZWeml4V3BLOVIxU050eDZSdFdjVnU1bnd1WXgzejduVFlMVXdfY1dmZXNvNmJQWl9KM0dMMUlxMHNTTlpFRUlQY3VCVjJJRS05eWM0WVY2ZUxWZHdURExydU1OWHRYQkpha1BGUU9nRWdjQ1lnTmNpVXF1RlBxMXE4SXYwLXhzX0VTOFZfQ2dsbGh6elNRc3cxek1JYUxBMGxDeEdfcTRzbEl6eUVLSGdiSXc?oc=5) · PhillyBurbs
- 2026-08-08 [Bristol Borough's Hospitality Boom: New Hotel, Sports Bar, and Rooftop Deck Coming to Radcliffe Street - BUCKSCO.Today](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHVQVGlqNEhocEUwQlhrM0QzY01NdmNjTzFURmNTMnBnWGEzNjFwcEhrd21DX2F2ZDQ1QXluOXB2UVpyN0R2eUlZTkVPajhGNW11TVZQNi1TZVJNaDhVMDlRUUNabV9UUzJrd0RYOF9QTzJ2ZzBPVS02QUpvZ1ZIbEw4WW9QbzJv?oc=5) · BUCKSCO.Today
- 2026-01-24 [Bank robbers who birthed psychological effect - Delaware Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxORk5NZFFMeHo5ZHl0NVhwNC1udUlxMlBIeUI5Y21MN2VUekNUMUNwWFphOVV5cEl3UHBIN0Qxc0Jjb19nVGloM0FSeS1STUhCcjR5dldtQlRDS1VvMHNQV1d4Q1hwa3JGTWhsWnJXSjdZMGR2R3hhbEtEZ0lTaE41M1YtSWVVVFk5Umg5Tw?oc=5) · Delaware Gazette
- 2026-07-29 [Developer plans 3 hospitality projects in historic Bristol Borough, including a hotel - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeXpkeFo3VUEzSmZaNmQtZUdQejhlVDlEU29pclVNQ2g1V3pPXzVpSlVoeURwdExJSV9PQkxDaXhxSTJ5VUMzSHEzNjBpa1BheWU5V0dBbDdHLU1QTDR4ZktyaEV4dmZfT1ZEWGdvSVNEc0dib2g0bWhDNVNfYWF4OERHb2wybWxtNng2eTNQRTRaM0ZmcWxvU2FVNmU4REFKbm43dko4a2x0OVNf?oc=5) · The Business Journals
- 2024-03-22 [The Dunning-Kruger effect, as inspired by a bank robbery - Chris Skinner's blog](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcURfWF9UaDhPUXFxZnppZzYtS0FGbUhKa3YzMjVKbUE5MGI4dHZmZGoteHI4OG9IcVktdHZDYms0d1BZcERMRnJBWXcydHlnVXE0WXdpdlBTaWRfLWNzRFlld3N1Z3Zmc1RZMWcyZmRfMVB4NEd1cm43bEYtRjA4NE0xeEZPQm11bGItNHNXYW0?oc=5) · Chris Skinner's blog
- 2024-03-11 [Could historic boutique hotel cement Bristol as Bucks County newest travel destination? - PhillyBurbs](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNVDQ0Y3FjNE5RZm93NHlkMGdENGxrbVRMQkhvbUdyVzhXSTVpMGVJbzJ5dHRFR2JKZnkxdGhjS3doWnNEQ3dSMUo4OWFsWV9NM2dFaGwxTkJ5UXlFb1JZS2RGV0NocTNxWk1sMmtrNW9PeUlKY0Z5S3VHaFJjNWotaTIwT0xpVzVzRmpJRVJwVzFuQTltQ05oZEYwYVZTUGlKMEJ0dGtqX2dxbFR6dEp6QnFKSmxJMWdMejVyOWl2RUZqMl9WZTM5NVVmQVViS1VlVVVfbkdodXB5ekdlY0Jn?oc=5) · PhillyBurbs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28038 (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 "28038", 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