# DELANCO FEDERAL SAVINGS BANK
DELANCO, NJ · FDIC certificate 28631 · asset band <$300M · latest filing 2018-03 · 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 | $123.7M | |
| Deposits | $110.0M | |
| Loans and leases | $83.2M | |
| Total equity | $12.7M | |
| Loans / deposits | 74.71% (p50 of band) | 75.02% |
| Liquid assets / assets | 26.03% (p39 of band) | |
| Uninsured deposits / deposits | 9.63% (p25 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.58% (p26 of band) | 11.04% |
| Unrealized securities loss / equity | -8.53% (p11 of band) | -2.21% |
| AOCI / equity | -0.09% (p80 of band) | |
| ROA (annualized) | -0.16% (p5 of band) | 0.95% |
| Net interest margin | 3.22% (p22 of band) | 3.73% |
| Efficiency ratio | 107.73% (p97 of band) | |
| Noncurrent loans | 3.03% (p91 of band) | 0.60% |
| Net charge-offs (annualized) | -0.02% (p16 of band) | |
| Reserve coverage of noncurrent | 40.17% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 0.43% (p16 of band) | |
| Auto loans | $5,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 5 | capital falling, charge-offs p90 | securities losses >30% of equity |
| 2012-06 | 4 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 4 | uninsured deposits leaving |  |
| 2013-03 | 3 | capital falling | noncurrent p90, uninsured deposits leaving |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 6 | expense ratio p90, charge-offs p90, deposits shrinking |  |
| 2014-06 | 5 |  | noncurrent p90 |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 | capital falling | deposits shrinking |
| 2015-03 | 4 |  | charge-offs p90 |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 5 | capital falling, noncurrent p90 |  |
| 2016-06 | 3 |  | losing money, capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | uninsured deposits leaving | expense ratio p90 |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 3 | losing money, expense ratio p90 |  |
| 2018-03 | 4 | noncurrent p90 |  |

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

- 2018-04-17 [Labor of love - burlingtoncountytimes.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPS3hfblZaUGxITGEwLVdZcFBMS3ZsQS12bFExNTBIMm1kYUoyWmJxd2pKYmtCcnlUWEt4LW1PQnFEdFVXTW4zTFk2ZTZSNWxCdlNXaUdlQ2FKQlVTN1ZQMVhmRkRYZHJpSW9sUk9jNFNjaUdQMnpVcjlKWDBMSGZ0YmZrZUpPV2ZTVmpnRXRpZVVQT2s?oc=5) · burlingtoncountytimes.com
- 2012-09-27 [Starbucks, Chipotle Coming to Cinnaminson? - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQMFhzSjdDMDd4dkFZcmV3U2I2MU5iZ0ljYkJjWC1UczRqTE44REpEVmtvcVA4aEFJbWtCVDh0NEg3OWwxaUZyZk9yWHM4Rkl2eV9QSXFzc2ZsalpDemFUOXR2cHhJZzVpcWUxdzMyLWZzbE05WGxBOXVHZ3BjeE1KeDdtN0otd0g4?oc=5) · Patch
- 2018-02-15 [Filing time: What you need to know this year - PhillyBurbs](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOWFzdnYwOTB2T2Z0RVgwRXFUdFRjSFNPTG1MSkVTSjBObC1vY044RHZoTE1wc1FtVElrNVJNVXVqVFNnWHQwYURqNEdaQllKRE9zWWt3X1E2TDY5RU9HLUtPdTI1NnN3V21Hdjl6ZmZaREN1ZVIzVDZnRVI0dE9neGMxcjlWbmF4ekFDME9RMm9vcURTWWZDSGhYbVB5cC1kZ1E?oc=5) · PhillyBurbs
- 2022-05-17 [Robert Jenkins Obituary (1938 - 2022) - Rio Grand, NJ - The Press of Atlantic City - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPYXNoNllZQWQ4VC1zeGNvdXhKbkpDR3llR3hjNHVsUFNDejdJcFVKeUI2djRaWjEtaVEtQlJobUp5NW43cld3NmFaZnVSRm12LXM5ejNEeDJGZ3BKeTBhNFFEQUctZTUteERlSGlkN2NxUUNKNkg2MVhVVDBCU2ZPNkJaREtZb0lSZXBHdE1sa0JaamdZUzFMdlJUSHl2QQ?oc=5) · legacy.com
- 2014-12-04 [Meet Dan Roccato - FOX 29 Philadelphia](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1RMHk2NGwzTVdJbXN6UkJxUVEzQWMxcGUzZW84bTI1dzczcnVpRk9yZVBfejg1QWVha1BodzhGSW9XYUx5dzQ5eHZaWEY4Qy1wRGhXZ2dB?oc=5) · FOX 29 Philadelphia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28631 (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 "28631", 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