# GCF BANK
SEWELL, NJ · FDIC certificate 28126 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $289.4M | |
| Deposits | $257.6M | |
| Loans and leases | $204.9M | |
| Total equity | $24.9M | |
| Loans / deposits | 78.49% (p67 of band) | 69.26% |
| Liquid assets / assets | 24.38% (p27 of band) | |
| Uninsured deposits / deposits | 7.01% (p23 of band) | 12.49% |
| Brokered deposits | 2.11% | |
| Wholesale funding | 3.84% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.29% (p13 of band) | 10.29% |
| Unrealized securities loss / equity | 5.64% (p98 of band) | -1.01% |
| AOCI / equity | -0.56% (p76 of band) | |
| ROA (annualized) | 0.16% (p15 of band) | 0.76% |
| Net interest margin | 3.27% (p31 of band) | 3.63% |
| Efficiency ratio | 87.00% (p77 of band) | |
| Noncurrent loans | 1.10% (p54 of band) | 0.94% |
| Net charge-offs (annualized) | 0.19% (p72 of band) | |
| Reserve coverage of noncurrent | 119.47% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 10.43% (p40 of band) | |
| Auto loans | $761,000 (0.37% of loans; DQ 0.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | losing money |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking |  |
| 2012-09 | 5 | uninsured deposits leaving |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | losing money, uninsured deposits leaving |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |

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

- 2013-04-05 [Investors Bancorp to acquire Gloucester County bank - NJ.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5JajVNczJ5aVJ2eXhoLU1TTU9IUGQxbWlOYWw5S2xnblNzeDJzT1hVY3R1bThUMEd5VGlJS1BxVG1xZ1VxaThoTnR0R2NrTG52aEwwYUEzYWxfVUFzbndaY19ORW9BSGRoR0FNcFNQQnE3bkNvdU5GYldnbw?oc=5) · NJ.com
- 2013-04-15 [Investors Bancorp continues growth in South Jersey - burlingtoncountytimes.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPZWpnWURqUkJYWVFla3dSY3VRa2dNQVJscW40bEJ4Q0w4LTFxU1dUdlJ6ZTdnaGtHZFFZOTV5c3NqUDU3WTdPZWtRLXRUZlA4a0plbGtKVmFMZ2NUNm5Kd3ViQVBlNWhvVEh1Z2wwaXc1UU1rbmN1bGVvV1d6OVQ2UlZIYm1YaU5BbENTYzY0ZGl3TExPRUJsTXRWRXdvWHlUbFZTZUZYR2R4ek5qVUJEejZvTVQ?oc=5) · burlingtoncountytimes.com
- 2008-03-18 [David Blakeslee Obituary (2008) - Washington Township, NJ - Courier Post - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeC14Z2JscjhhUkZRRnJvMWpiVFl5SUxrODdZMGtuSjJXeWgteEx5cnB0dllFSXRLLVlGcXpMWWlGQi1DVUZuLXlETzhIa3U1a2VQWDlyU1JBMEdaaU5CanlZeXZPTlBHdzhCS2xkOFJMbzRoZTZTcm4zeGNsTnEzaEFwQUc3MHN4TEw5TC10eXVFS1p4ZG1EZmU3MTM?oc=5) · legacy.com
- 2013-03-27 [Marion Schuler Obituary (2013) - Jersey City, NJ - South Jersey Times - obits.nj.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNDB6UkFvcTZqVkZacS1jZnJibGd3RlJlbHFfVDVLZGQ1cTRkRXF0b2tDWUtGN0c5NDUtV0xVcGhuLXo1VHB0OU9fMlVDV1JRYkdUWTJHNzhNOUI2MjhrdGdGMmExNmFRMXdZbUNrU2RTVWZUa0JiUTl2RDBTMGY0RWFXV0xaNUpvY0ozMjVKRF85WHdmMXVJ?oc=5) · obits.nj.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28126 (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/30.json (key "28126", 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