# CLIFTON SAVINGS BANK
CLIFTON, NJ · FDIC certificate 28633 · asset band $1-10B · latest filing 2018-03 · 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 | $1.66B | |
| Deposits | $969.5M | |
| Loans and leases | $1.19B | |
| Total equity | $262.3M | |
| Loans / deposits | 122.11% (p98 of band) | 89.39% |
| Liquid assets / assets | 22.50% (p55 of band) | |
| Uninsured deposits / deposits | 9.53% (p10 of band) | 25.84% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 25.42% (p91 of band) | |
| FHLB advances / assets | 25.42% | |
| Tier 1 leverage | 15.74% (p96 of band) | 10.01% |
| Unrealized securities loss / equity | -2.01% (p57 of band) | -2.36% |
| AOCI / equity | -0.10% (p89 of band) | |
| ROA (annualized) | 0.58% (p9 of band) | 1.15% |
| Net interest margin | 2.17% (p6 of band) | 3.58% |
| Efficiency ratio | 62.77% (p53 of band) | |
| Noncurrent loans | 0.51% (p53 of band) | 0.48% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 131.21% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p3 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 105 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | securities losses >30% of equity, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | loans exceed deposits, wholesale funding >15% | reserve under noncurrent |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | capital falling |

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

- 2018-05-02 [Kearny Bank completes acquisition of Clifton Savings Bank - Bergen Record](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPN21iX1pNcE04b2EySHVxb3dfVTd2WnBtcFRPZjVxMGN4S3JYSkZWTFhPZWxXUVZ5a1JDeEEzS1BpRVJMZ2EzeWM1cUYzcWJpR2NDVlpxUUVTYUYyajBfeEVEUWZUY2R1eXZ0emlfaXdMeG9GS2RqNGhrazMxcjZpUkgyRUhQOUhBWVhHZmtLVEdXdURpX2ZNWm52ZDZ6ME9uOThveVpHdXNGTHJ2QlJMZXM2V20xM09ubmk0V0NoeUtrREZKdzR2WA?oc=5) · Bergen Record
- 2016-09-23 [CSBK Launches .BANK Domain to Enhance Customer Security - New Jersey Business Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxNV1JYOXQwc3RELTNHQVliS25kNWpxT2dyaE9ZZUhyOE9TZGFzNVd5T3ZaZUcwZWFvVjhjaEJUenA2akw3a1NmTWkxWjQtUjEzclNOWG5DOFFfUHdVaGdmcWhTczR5WmhjN3g2RlJYWVFjb0JsTWpOcDFhUmlhMXhwMzFRQTI5NG5iRXJISGd1bllCUTQ?oc=5) · New Jersey Business Magazine
- 2015-07-17 [Elysian Charter School Gets $10,000 Donation From Hoboken Bank - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxPOWJCMDFBYmZjQUl4ZWJ5OGVySGFfNTdGSEtsQ2VPekVsai1nTzNncU42eVA5TVFYZ3JZdDM3aFM5WkJyMzRoY0Z2RTBFZGhBZEM4ZzBGZGpvQVYxa1JVaDB3TGJrQ2lKV3lMRUNJMDRGMl83WVVuWDltRDEzd3B4bmxlRDR0c21SNkRXOFhGQ28xY0dSZVJTSHJR?oc=5) · Patch
- 2021-02-18 [Kearny Bank Appoints Jack Anastasi as the First Vice President - The Italian Tribune](https://news.google.com/rss/articles/CBMickFVX3lxTE9aTzk0TGlBbGVLNHR0akJUSVV3WHZqZmNLX241UXdNR2JpZFpFX3JSaVVfeGt6djBab2NjT1g1N29CbTdUdmxrdWYxX0tCbUVqWWhBT09OQ2VCMU1jNWNTQ1UtNjExdFJWajE0T1lUQ3UwUQ?oc=5) · The Italian Tribune
- 2026-03-06 [John Celentano Obituary (2026) - Clifton, NJ - NJ.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWHZ3MVo0LUZXbjJCUjVhRTJRX0RmOWsySzc5VEc2V2tQam5BZTltbm43cEhZNW5uTzlKX3dEQkR4QmoxQlBrSG9OZUIzRzI3NTRVUFRvNXFYVEFfcU14SWRkUFFNdDJZNFVSYW1PcHJ0emZoN3dUVFI5THVjQ0dwbXVtWUJLSVlTUVBuZzlEYw?oc=5) · NJ.com
- 2016-07-07 [Garfield Police Charge Clifton Man In Bank Robbery - DailyVoice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZXJQdlFxYnAzQ2MxR3pFN1JsZ2wwdEV0Q01nb2V0SXprVWJDVGFqVGZua3pwZHI5T1g0ZmgxTHFad0d0cjZOSTk2MWZEOXdHbzRNeXVKdnZRYjcxNWw5X1lwN0ZSd1U4Q3pSUkt2bklDcDVMd2FIZElLZUgwRzhMQ29VejA5bExNaFE?oc=5) · DailyVoice.com
- 2014-12-26 [Half of NJ Bankers’ New Leaders from Central Jersey - Central New Jersey News](https://news.google.com/rss/articles/CBMitwFBVV95cUxPYUM3dkhsSkp6Vi16SVpfNGxhRjM3aWVSM2JvLVJVVW5KV1c0QlFsRmpUTEw0Um93WjkxY0lMdG1DMEcxbzJ1T3JoU0cwV004MkVVdUV2aWRLcENLMjZ3cEtKX21pUWNMTnhRcDRNQllENDN3bnB3N1VFbnVrZXBWME8wSWtCRHJwWlE4aEd3QTlISFphMVRMR3EtNTNfYlI4eEJfdlA5bFZoMFRVTnR3US1sLUpjazQ?oc=5) · Central New Jersey News
- 2021-03-02 [Kearny Bank Sponsors Theater League of Clifton on Its 14th Season - The Italian Tribune](https://news.google.com/rss/articles/CBMif0FVX3lxTE9EZFBhMkk2V1ZCOXhQdkR0Y291Nm5Yc0hYeVZuZE1YMDhIUEthM1NIMDliMXc3NkRtclM1VllQdUlZdmJzQlhFVnJKWjE0aUdzSGxOaURkRGF3RGFsQTZHU19nSlZJTVc1NEd5NkFRZHJFdV9xZk01ZVcxWmZMWDg?oc=5) · The Italian Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28633 (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/25.json (key "28633", 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