# STURDY SAVINGS BANK
STONE HARBOR, NJ · FDIC certificate 28788 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $1.14B | |
| Deposits | $1.02B | |
| Loans and leases | $648.2M | |
| Total equity | $97.6M | |
| Loans / deposits | 63.03% (p9 of band) | 87.10% |
| Liquid assets / assets | 36.62% (p86 of band) | |
| Uninsured deposits / deposits | 38.96% (p71 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.03% (p15 of band) | |
| FHLB advances / assets | 0.03% | |
| Tier 1 leverage | 9.68% (p28 of band) | 10.50% |
| Unrealized securities loss / equity | -19.04% (p21 of band) | -7.75% |
| AOCI / equity | 1.66% (p98 of band) | |
| ROA (annualized) | 0.75% (p17 of band) | 1.26% |
| Net interest margin | 3.57% (p42 of band) | 3.70% |
| Efficiency ratio | 72.07% (p83 of band) | |
| Noncurrent loans | 0.15% (p18 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 344.55% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 27.25% (p27 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 152 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | expense ratio p90 |  |
| 2013-06 | 1 |  | expense ratio p90 |
| 2013-09 | 2 | expense ratio p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | expense ratio p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | expense ratio p90 |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 3 | losing money, charge-offs p90 | reserve under noncurrent, capital falling |
| 2020-06 | 2 | reserve under noncurrent | losing money, charge-offs p90 |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 3 | noncurrent p90 |  |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 4 |  | noncurrent p90, capital falling, NIM <2.5% |
| 2022-09 | 3 |  | reserve under noncurrent |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | uninsured deposits leaving | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | NIM <2.5%, assets shrinking | expense ratio p90 |
| 2024-06 | 4 | expense ratio p90 | deposits shrinking |
| 2024-09 | 2 |  | securities losses >30% of equity, NIM <2.5% |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | assets shrinking, securities losses >30% of equity |
| 2025-06 | 2 | securities losses >30% of equity |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 0 |  |  |

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

- 2024-07-18 [Lisa Eisele - NJBIZ](https://news.google.com/rss/articles/CBMilAFBVV95cUxPemdMZVkxeUJ1Zk5Ec3FycjRBNmJwbE5XMVlJc2otRFY5Mm5ZUzRsS09rejZHeVJhQXM1WGZWa2U5R0JkVXhZRVRHdWhPcjl3Y0tIZDJBQ1JUVkMtQXhNaWFmZG5NRFRGZHpBa3NWdm40QTA2aEVQYkFJdFYxVWsyVnZLc01sVmxfd2pXelhid0gtaUlD?oc=5) · NJBIZ
- 2018-03-25 [Sturdy Savings Bank Hosts Mortgage Fair Saturday, April 7 - Cape May County Herald](https://news.google.com/rss/articles/CBMijwJBVV95cUxPNmdIZV91dzlHQTY4aGZmSnRDWmJXanR6LS1UZHVRRWpDZFl0ZlZ3VkJrcWFhekdka05PX2NObmRYZ3NJQ2RZaDgzV21aX21xUWVYTmR5TmFqR1RmenBocXRBM0NMWE8zWmVyYlMtaDdQVnh4d3lQSE4wTUtuY3VsZ1RtR0VRMWR2R2I4N19WcXc0cG1CN3VTTXV3WTlpQzg2NF9LaUQ5bFppeGFXeS03UE1jZFpldTNMWFBIUUJ3ZjlCYUYtQ3lFbHJwRVpsNGpQMkNOUU03VmhEODVfWUV3M3hvdm0tT1M5NV82N1BGc1dzRkg2eDJrMk9pdnBPbTZOV1hTSmFvenFWaWhLT3Fj?oc=5) · Cape May County Herald
- 2026-03-04 [18 N.J. banks acknowledged on Newsweek’s best regional banks list - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWW15TXRoWXpYaTVtb3Q1dFluenVPOXRkWEU1cWIyNWpxWWRyQmthTnhjckVvWUxQN0MxVjI5bXhzLXA1d3BobHNtcjB3UkUwWmZINGxaSFZQSHh3VV84SjdWMzVfWl9JampFQlY3VC1qZWVzUHgyaktkdWVCeGZfM21CRXNiSVl6WnF5cmF6aWdTRXhiZUZRSnozWFRManFPX1hnOE1DRlM2dw?oc=5) · ROI-NJ
- 2021-01-08 [NJ State Police seek identity of man wanted for multiple bank robberies in Cape May County - Downbeach.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcjBLZzZNa3ZTajU4aDVITzMtZ09JRXZRZGlONXpIbUhfZjhQNE5ZbHRFOERNLUx0aFNLM0RBZHBEbmotY3o3NGxIUC1EMnRQWGd1QlRBaXZHZDRDeXpRM280Wk9vZE9CcE83OE5vWXVhX01jUHk5MU9JVzJJODlETlhzRzUybUFmMmxJ?oc=5) · Downbeach.com
- 2025-01-28 [Don’t expect drop in home prices, interest rates - ocnjsentinel.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9SQlFsOVF1MFdiMVF3emc1TjItUnJBWkNobFJJX0hOUUwtamVJNG0wQU1uQnExTFVkN2VheFRncXE5Uk9LeVV2aWZaOTJMT1psTEJHRU5JR0RxZTJpZG9qb1d3OThfbU9NWTMzTjF5RkhpZ1Y5eWdVOF9jN0Y?oc=5) · ocnjsentinel.com
- 2021-02-09 [Two Arrested for Multiple Bank Robberies in Cape May County - WPG Talk Radio 95.5 FM](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTjZZNlQ2azNwM2VULWJHOXoxOWpLUjdLZVktdFVVSkIyS044bjBCQldIUU5kUlo3d2J6Mi1jajhpeUdaaUdaR2tRTUFIR2tXSUl3Vm4wc09tMDhySGVlTU13N2lGZExQakIyV2M3b0JYTHJneW1rS2thR0hpRHE4ai1XQTdteU1UR2Rtbkx3?oc=5) · WPG Talk Radio 95.5 FM
- 2021-02-09 [Two Cape May men charged with three holdups and two attempted bank robberies - TheDailyJournal.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNNVpQRVFGX0oteWFUTjVienBPaVpIV0lrc3lZWDVYWFpmamx2TWgzUk53OUNxbWgyM2VxbkctSnRaYlJXRXJxRVdNbEU2LXR6NWE0YU8weU0zSC1nc2N0My1RTi1nVzJvV1ZqaHhRRjFTWlVadTJNU1h6ZDVpZEJvMmNiYjZ2cUFCQXdzRnVhYWMyRlhZOW9LeTBuOHhQamFadnQxd2NQdnZVUVI0WVRMRElsUXUzQ29tSnNtUk1uQ1ozRld3RDNuaA?oc=5) · TheDailyJournal.com
- 2021-02-09 [Cops charge pair with committing 3 bank robberies, attempting burglaries at 2 others - NJ.com](https://news.google.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?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28788 (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/52.json (key "28788", 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