# ORITANI BANK
TOWNSHIP OF WASH, NJ · FDIC certificate 28866 · asset band $1-10B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $3.99B | |
| Deposits | $2.97B | |
| Loans and leases | $3.45B | |
| Total equity | $496.1M | |
| Loans / deposits | 115.33% (p96 of band) | 89.84% |
| Liquid assets / assets | 9.51% (p6 of band) | |
| Uninsured deposits / deposits | 18.51% (p27 of band) | 27.30% |
| Brokered deposits | 11.32% | |
| Wholesale funding | 22.81% (p92 of band) | |
| FHLB advances / assets | 10.10% | |
| Tier 1 leverage | 12.37% (p82 of band) | 10.38% |
| Unrealized securities loss / equity | 0.60% (p40 of band) | 0.89% |
| AOCI / equity | -1.90% (p1 of band) | |
| ROA (annualized) | 1.23% (p52 of band) | 1.20% |
| Net interest margin | 2.57% (p8 of band) | 3.64% |
| Efficiency ratio | 36.67% (p4 of band) | |
| Noncurrent loans | 0.18% (p19 of band) | 0.50% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 452.59% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 4.16% (p8 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 209 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 4 | liquid assets <10% |  |
| 2016-09 | 4 | brokered >10% | capital falling |
| 2016-12 | 2 |  | liquid assets <10%, brokered >10% |
| 2017-03 | 4 | liquid assets <10%, capital falling |  |
| 2017-06 | 4 | brokered >10% | capital falling |
| 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 |  |  |

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

- 2019-12-03 [Valley, Oritani banks complete merger - NJBIZ](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1UNU9HaGE2Q0o0NjNjQlVpbzVjWGxZMnRTUGRFeUtRRnpwUEtDUGxDaWpUZ21zX0Z1Q1hlNTBzRTkwSzdFQkRZTTNyUWxPZTQtSDFIVEtLZWdxdjc4SVZ0SFpPNVFpdw?oc=5) · NJBIZ
- 2019-04-17 [Bank robbery in Park Ridge - Bergen Record](https://news.google.com/rss/articles/CBMiswFBVV95cUxOelFDNzMyZWhxZ0VkWWNiNXh0MEl4Zk0wT0lfUExndFpGNmhrY2FXeHJ4a3FiVDRHLVpQWnVwY1VPcGM5QlBuWnBpS3VzbDZ3dnBfYnhNN0Jodko5U2gxSHY4Q1Q4b2JEZWtCUjVxc3MzSmpwU25ZdUtvdXZzY2puVkEtZ0ZFSFNkSFRHeGNvdFhjX2FuRU00RVdrUkYyUWo0c1otNXdZY2lZdW81eUl3Qm1vVQ?oc=5) · Bergen Record
- 2019-11-27 [Ziegler – of Airmont, N.Y. – Stole $233K From Four Banks, Including Oritani in Park Ridge, Feds Say - thepressgroup.net](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPZDRCcXBsblNpSXBPV05TUU9BcWdxZUNFbExQTW1QM0plZjRMUGt0b0ROZ1NqZ0N3eGJ4SGpQbTl5VGZRS0w3RUVucWxtcTVlUGVVTll0ZEdfM1UxNHo3RkJKMEd4Nmh3QU43OUtuYkdLVkMyVnVZbnFCTk9CcHJFMEVFdEpkSGZlV2kxQm03MnJxNWNULWhyNXc4Z1hZX2F4REJ3Zmp3dWJnWUhFZUVIUEVXVlpDelNy?oc=5) · thepressgroup.net
- 2019-11-27 [Suspect in Dutchess County bank robberies caught - Times Herald-Record](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQkswcWZERGJUakpBSjlfM3ZqZFVKWEtxcUpqb1lBQzh1YXB3dnlpMnRLQ2VKbHBSMDFBdThfMHVmWHVqdDVubjNKX1h3Q0FnX1NQZGgtTXRwd2N4N3lvUzFBNVc2ZTZBWE1nU0NIVkRVVmJ3V1ZnWnIyN0szZXQzUU9uYVBEWTlXODMtSENCenI1dUUwNG1fYklB?oc=5) · Times Herald-Record
- 2013-05-27 [Equity Fund Buys Assemblyman Schroeder's Debt From Oritani Bank - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTm95M1h3WU91VVpValRtN0E1SzVtNWcxeC1HUEVUdGpaeHE2LWFNMWVKOV9UM1BiMy1scWk3Sm8zRHlrem5idWE0cEYzcTdrX1ZyMmp5a0ZJNVFmZm5wZjg5TUJ6dG8tVXIyV082eFQxX2NQeTl3SUhKaHM2VlBZazBJLWdUZG9hTnpsYUZ0cUIwZUZzUlNpaUZaY1UwMEM1Tk04TGQyeUM?oc=5) · Patch
- 2013-10-10 [Lakeland Bank appoints new officers - www.advertisernewssouth.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQWRuclJQb0hqRnMzTHRVdXB2bHJ5d2p6ZTdNLW9zdnB6Znk2OXJmV1BfekdxMUxtOXZRTG5FNFNOR1I0ck03SFlMLTJUQW1JdURjYnFyRm5NRTltQTdqa1VsQ3dYeUtadFFMckZBaDNseGc5bzJFc2tmdHIzR28tQklSaUo2VEZrVGd3YmtGcWU4R0tSSlNMY2dTTkRPOVIxYUpsQTJsLVlUYll1WlE?oc=5) · www.advertisernewssouth.com
- 2019-04-18 [VIDEO: Police Seek Leads in Brazen Park Ridge Bank Robbery - thepressgroup.net](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVndTYlh0SXpDYWNfRkNnblBFclBvU2lHRExjc3czODhCc3Q5a3VOelh0RXUxTFJvTHI4cUpicEVtSWxoMk9WLTh2SFl6TnNMMG5BZFdIdlZKbWlrZ3o3V2owWng3WTk2MV9iMER2d3hhNEN6Rmg5R1pneG1jSkZLZ1NKSGQ?oc=5) · thepressgroup.net
- 2016-04-28 [oritani-bank-hires-dumont-resident-as-senior-commercial-banker - Bergen Record](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQd2RKZnVfZGdtamNING1OQ29qWGNidk1xT2JBYVlHbHlPc0dhWHZqUWRjdU12a001OUhWWGo1V3l3X05CeWNfN2tkNU5LNVh6Zm5OX19rOXdzM0xBMjFwc0pFM2RaT1E3TmdHbzFRVTRLVDNTQ09WVjZFUjFMTUJmcmlUYXJKMmdTMmMyTDNwakdhbmE2Nm5RLWdKWGRDdVpJaU1LemhKLVZEbXFZRV9lNzhVZHdONkFJcnlRbWtxdVdBSXpnc3lyY2VHSzM5TXZncUhOWjNR?oc=5) · Bergen Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28866 (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/2.json (key "28866", 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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