# ROSELLE BANK
ROSELLE, NJ · FDIC certificate 28567 · asset band $300M-1B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $422.0M | |
| Deposits | $331.7M | |
| Loans and leases | $174.5M | |
| Total equity | $50.2M | |
| Loans / deposits | 52.21% (p7 of band) | 84.67% |
| Liquid assets / assets | 52.67% (p94 of band) | |
| Uninsured deposits / deposits | 2.77% (p0 of band) | 22.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.53% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.74% (p69 of band) | 10.64% |
| Unrealized securities loss / equity | 0.82% (p46 of band) | 1.01% |
| AOCI / equity | -5.85% (p2 of band) | |
| ROA (annualized) | -5.44% (p0 of band) | 0.99% |
| Net interest margin | 1.25% (p0 of band) | 3.64% |
| Efficiency ratio | 502.50% (p100 of band) | |
| Noncurrent loans | 0.04% (p10 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 1986.57% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 0.00% (p1 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, reserve under noncurrent |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 2 | expense ratio p90 | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 4 | losing money |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |

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

- 2019-12-03 [Columbia Financial, Inc. to Acquire Roselle Bank - PR Newswire](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZVN4anVkcmR4WUoyREZETExxb29mZVY1cjZ4NHZnN3JwVENCMnY1UXBPanBOTmNwckJCd01WZGlKemNMUjVDOTFaUUM0dkw4U2hac1Q2c0dtQTlRUkxKTG5mR3hMemV4RUotMTZ6bEVwQzdHc1BVWG9DbG83S0hYRXctUURiMEhHbnp0OWIyRzE0WEJBYVlNZ2JGUmN0SDlNeUVCcw?oc=5) · PR Newswire
- 2019-05-20 [NJBankers announces Columbia Bank’s Kemly as 2019-2020 chair - NJBIZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaDJJN2J6RzFQMkw5TkRTRXdKTTk3dVBfeXU2a1VpZjFMY2FaNEE1TTJTbnlfRDBJWFlQdWtqcTVoUjRvMjdfYlJ1UGZwTnZuNXd3a0hwRE8ybDhrejNpXzJqTTFvU1VzODltaHVTWnBrblZJeXgwOHVBa1Yxa0FUQg?oc=5) · NJBIZ
- 2019-05-21 [Kemly named chairman of NJ Bankers for 2019-20 - ROI-NJ](https://news.google.com/rss/articles/CBMikwFBVV95cUxQVnBTUG5PTWkzcFNZLW9rZTBFQko4cVFxbG4ybDBfVWw1R25wd0JzVGQyR05Ja3pwRkh0SzE5LUlRR3VxMWJjWHQ0Y3YxeUFtUVExeXBBU0ktclI0azcxQkVTZTNDZThkcFlEOG96QkJXVFhXczFrZm5nbGhSellySnRFNEJBNk5xZk1oM0dRYm5FajA?oc=5) · ROI-NJ
- 2019-08-30 [FBI Confirms Roselle Bank Robbery - RLS Media](https://news.google.com/rss/articles/CBMiS0FVX3lxTE0taEppMWxENUFtbnMyYTdkV1g2QzRnTW9LM2kwejEtWC1PQjQ5MERNVV9aTWhEenc3Vl95d0ZrSjh5NzdNenF6RG5qMA?oc=5) · RLS Media
- 2025-12-27 [Obituary for Donna A. Grasso - Scarponi Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE5uZENfUVVOakVfeVpnYm8wbHM5b3Vpd1I3T0lia08yZVBQd1FHMmtKYVZYbXc4UldJckZ6bWw2Mi1UU1hfdWY1WWlfbm5pVW03S0xNSjM5czlCaVJhN0JqNDQxNzZqZVNBSkE?oc=5) · Scarponi Funeral Homes
- 2019-12-28 [High Bridge Middle School holds Trep$ Marketplace - New Jersey Hills](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNaTlkY0ZDTlVCYkhFR3lpTmRmNGN0dmgwamNyV3VWclNxcGFUa2hKSzE2b3l5RVgxd0pmMnZCei04SnZrckdlRXRQQWtBSzRxMEpRdzFmdnloRV85NFFpdnVqWk9XeVNVUGRzQWdQOFhhU2dnQUUxekk4WlFNUWdoQ0l4TDhnRXlyaWlIc1NTVklBZVZGQ1ExNFI5LWllbFowc2lUWHdCclZ0cjJzNlZnNlpVSzdKbUlUYmpmU0dHV0hCVHBnRGlWMlBnNGNtVjlWXzJUSkljd09zSXNrOEtlZmVSTjdpUQ?oc=5) · New Jersey Hills
- 2012-12-13 [Cops say N.J. bank robber's downfall: He leaves note, fingerprint behind - NJ.com](https://news.google.com/rss/articles/CBMid0FVX3lxTFBFbmNpNzloalpjaE15YkZyQ0pCRDRibk1tdG5Hb0hGYmRpaFNyM3d1RFZoUXNfVmNBMkdOREFhZjZjNFVoRmtHM2NjV0YteGw5WmdVdzlDQjBKY1FNWjJRb3AwWHdoTkhKWFZKWUNVQUVkQm1zdjJz?oc=5) · NJ.com
- 2018-08-09 [Central Jersey Daily Rundown, Thursday, Aug. 9 - Central New Jersey News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOYmNoN1JDcW5RcWQ2UVZjejB5SVItdDVkczRIcUpaZVp3UHVzNzN0LVpSNjRKZ1JJZU5mOXpZOHNRVjlKUkZfVDZTUEVsSVh4T3VpS19YaFVMTklYeHZMalhQejJ3ckV1ZWFKQ3ZJMThUdWF5bDdTV1pZbFR2UHJGN3dwVXlWUl9EajVKVVp4NVR6ZzQ2VEZST1F1R0pJeGZ0bkVTLXFmR01PUll6MUdlcHVB?oc=5) · Central New Jersey News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28567 (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/23.json (key "28567", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide