# EUREKA BANK
PITTSBURGH, PA · FDIC certificate 28135 · asset band <$300M · latest filing 2015-12 · 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 | $152.7M | |
| Deposits | $124.1M | |
| Loans and leases | $136.2M | |
| Total equity | $22.7M | |
| Loans / deposits | 108.65% (p97 of band) | 73.15% |
| Liquid assets / assets | 7.77% (p2 of band) | |
| Uninsured deposits / deposits | 13.38% (p47 of band) | 14.12% |
| Brokered deposits | 9.67% | |
| Wholesale funding | 11.85% (p87 of band) | |
| FHLB advances / assets | 1.96% | |
| Tier 1 leverage | 14.75% (p86 of band) | 10.64% |
| Unrealized securities loss / equity | -0.07% (p30 of band) | 0.27% |
| AOCI / equity | 0.06% (p71 of band) | |
| ROA (annualized) | 0.68% (p39 of band) | 0.82% |
| Net interest margin | 4.06% (p73 of band) | 3.64% |
| Efficiency ratio | 66.30% (p33 of band) | |
| Noncurrent loans | 0.29% (p34 of band) | 0.67% |
| Net charge-offs (annualized) | 0.05% (p61 of band) | |
| Reserve coverage of noncurrent | 337.34% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 14.22% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | securities losses >30% of equity |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 1 | loans exceed deposits | reserve under noncurrent |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | loans exceed deposits |
| 2014-12 | 1 | brokered >10% | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | liquid assets <10%, deposits shrinking | brokered >10% |

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

- 2026-05-11 [NexTier Bank CEO details its first deal outside western Pennsylvania - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdFE2SExMTWZQRVdlSzVLYk9VSkhwZXpOY2lybmtfSXh0TEtlMjl3T2R1YVNjTHotZ254ZDJHZDNUeldsbVVHVlkzd2tBaDQ4NzNqMXdycHpNUHY4ZW1OVFMyTGRiOFYzbjlNQTM5am5sVmQ3WWRiQk04QUw5b2ZPV1Z6aEF6UkRrRzd2WVlablBDdw?oc=5) · The Business Journals
- 2010-10-19 [Western District of Pennsylvania - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiigFBVV95cUxNQ1pPME9ObWpzdC1EVlJvUC1tenpXZXdHVExCNHJjYkVRWC1OdEZRMkZnYzJyOUZIVmVGekVDX3d0ZXNfMWM2eVdDUDA2bVJRUjRmMEZzUTRTX3lQUWxEQ3ZvVkFyZTRndlRRaEE4ZDA4ckZwZmtuM3YyTUs4dUVVMUxaaUFwdHNEOWc?oc=5) · Department of Justice (.gov)
- 2025-10-01 [NexTier’s Pittsburgh branch opens in prime spot in Shadyside - WPXI](https://news.google.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?oc=5) · WPXI
- 2014-08-25 [PNC dominates campus with exclusive Pitt deal - The Pitt News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTFp2d3BPb0d6elkzSDBxc18xRTJaV1pQVEJIdWV1SVpEcTFLa0doMDBNMEF3SUM5YmpNYklmcERqS3J6T0VYWmJQX19xV0RZTWkweEhMeVNHTkJ1aUIxeVhWQ2g3NlRPVGJUZzlYejZuSkg4am1pV2xkbmt1WlRYcV9CNTV1QnJvM2JhTDZB0gGTAUFVX3lxTFBfQTl1ampqZ3BlRTdvejUzbnNXX0dYYlVOU1A5NUJkbW93SFcwVFA4dElRakw2b3V0MEpuNGxDOTlfRUxNVU9IR09oc3k5S0pJX21nbUU3VHJYZm1NTjBoOHB4a09zLTJuTWI4VGxBRldTdmVhMy1fWTZnYV9rWUVWS1F3cFVvMnQxampGU1VDNnBrUQ?oc=5) · The Pitt News
- 2021-12-26 [Bill Ryan of Point Spring & Driveshaft has died. - truckpartsandservice.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRzB4T0hVbzNtX2h1a203RFFhMVV2TU5GdkNkVTQ2U1BuZF9FN3E5cHZJUm9WQkFEWVJmemxtQXpOYjhxdlhnQlIzOFZab2tZT3BxR09MTVlnZjlIYXk0S1NjZ0RCVnpEREdMNFpfSmJUSXpielNsV0c4Q19IcVQ3MVJLWlc5X1RkZ0JKRDJ2UlEwWk1veXR5c2Q1WjJlX09oRWJrVENORFVrQlpkcWc?oc=5) · truckpartsandservice.com
- 2026-05-08 [NexTier buying Ohio bank, deal increases presence in Columbus metro - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxPbUxfOGU3djU3ZkF3ak9UQWVzc0FhbXpyTS1ZejJQUFMyWlRKTGZYYWxQNkFwSlB1Z3dlOV9kNjNsYXhIbWgyTmxaRG02ejFKcHh2R3JlVGJ2WExENnk4d2hUNnRRVkIxVGZNb1VrNmhGR2s5Z29lbzZkTVdVeGxiajhlN2dleXRYaDRNdQ?oc=5) · The Business Journals
- 2025-09-29 [NexTier's Pittsburgh branch opens in prime spot in Shadyside - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUm9fanBfT3M5RHVjS19WS2xFRmJRMDFiS3pTclNzYXBCdTBuVVg2YkRhWGVkWWk5bmpGUklSckExczRqQmVrNFUxV3NkMUJERlIxMUdoa2o4RmpxRWc0TWd5OHVDQTUzWjNRU2NYZzZwWkROejF6SlNEandfUEl2QVlsUHVzdllXbk1XRjVFeEVyUXB3T0ZjRXROSQ?oc=5) · The Business Journals
- 2016-12-08 [NexTier, Manor Bank to merge - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSjlibGY3MmF0STB2ZWs2cHhVNnNpUEljR1NjWFBxc3UwWUhVeEFZRE5vc3FyYVBaQXBVb1NZQ2FlV0tDSkE2akpIeXdNWWNqSnlPbmZfbDM0TGlQTjRwdWRlNUJyU3F6RTFWUU02d3dMSm9GZTd1N0JLZFBaZXZWUGNBTHhhbEpZbEluWG1tRjI?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28135 (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 "28135", 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