# FOX CHASE BANK
HATBORO, PA · FDIC certificate 28888 · asset band $1-10B · latest filing 2016-06 · 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 | $1.08B | |
| Deposits | $749.4M | |
| Loans and leases | $785.6M | |
| Total equity | $155.8M | |
| Loans / deposits | 103.41% (p85 of band) | 89.53% |
| Liquid assets / assets | 22.71% (p53 of band) | |
| Uninsured deposits / deposits | 30.63% (p62 of band) | 25.95% |
| Brokered deposits | 4.09% | |
| Wholesale funding | 20.09% (p85 of band) | |
| FHLB advances / assets | 8.30% | |
| Tier 1 leverage | 14.01% (p93 of band) | 9.68% |
| Unrealized securities loss / equity | 3.27% (p61 of band) | 2.54% |
| AOCI / equity | 0.50% (p29 of band) | |
| ROA (annualized) | -0.86% (p0 of band) | 0.95% |
| Net interest margin | 3.23% (p33 of band) | 3.48% |
| Efficiency ratio | 116.23% (p100 of band) | |
| Noncurrent loans | 0.31% (p22 of band) | 0.63% |
| Net charge-offs (annualized) | 0.16% (p85 of band) | |
| Reserve coverage of noncurrent | 438.82% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 26.81% (p37 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 | 1.1% | |
| Employees | 132 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 3 |  | deposits shrinking |
| 2012-09 | 3 | capital falling | assets shrinking |
| 2012-12 | 4 | uninsured deposits leaving |  |
| 2013-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 1 |  | loans exceed deposits |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 1 |  | loans exceed deposits |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 4 | loans exceed deposits, losing money, expense ratio p90 |  |

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

- 2015-12-09 [Fox Chase Bank selling in $244M deal - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPdnM2aHcwREtJNlQ5XzU1ZUtkYTQ4cm4yV1pkWVFaZWQxYUlSSTNmQXhrZzlIUDlhcE5OeGNCR0ZCSm4tMkhLZkRlRFgtR3B4Y2FlVm9lZXhUR2RNcE5VSzFudHQtMWNiU2pLODduNm5GMll0MkJGTk9hQWtGV3dCd1BHN1l6d0Y5T0FDdEZJNmpPWGtCZEpMYkI0X3MwdEd6SEpocWRuc0t4VXRCVEk5aXhR?oc=5) · The Business Journals
- 2015-12-09 [Univest to acquire Fox Chase Bank for $244 million - PhillyBurbs](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPakJDUEFhTjdiajBjb0V0NlNFNnFEXzRIQy1LZ0g2OWs1c3RhWlFHSTdrc2Y4MUF4NmpaMWFJVHF4RzdpVlNYUEN6cVlpTUFSWXpFZWJkelpwOGxzTlBpSFFoYkVHU09SV0lOaEx0a1BmOVY5STNxbHlpaWNHbURxYlNQNHNfOFJwUkxIRU1lSkJzYWZXZzMzUUlSYWJkTW5TaVQwbUEtem9fTjA?oc=5) · PhillyBurbs
- 2020-06-03 [Pennsylvania's Univest says buying Fox Chase for $244.3M - WFMZ.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNWUVpRTdXUzJYYzJ0NVFiMDVYVkQzekx4Z3NZN0Z5RkRtR3BJXzRLcXpLcXBrVXN0Rno3N1drZ0ZCN0drMGpHT0w3M0hmaVJkZzVlVVRvcFllRFVVX0p0emZmdWpPa3A5N3pPMElxSlRqWGM3Y2NWQ25ZaHBQMnRLZmZOUEJyMmxfNU1MSV9JX2NyYjJEQ0dNMmlhZk00cTdlYkdmTVBaSm9FX2JvYW1YVHF0U1J0ZUk5RXJocEI3alZhUmYwWjdVXzVTQ3RPOU0?oc=5) · WFMZ.com
- 2023-01-05 [Montgomery County Leadership: Mike Fitzgerald, Market President, Univest Bank - MONTCO.Today](https://news.google.com/rss/articles/CBMiakFVX3lxTE9heXJBZV80ejYybGE0cjRDMl92dmZWeTNVRUs0ajNOVElId1lZdm56dzBmbXdDeDFiQUJzRFpaWlhQZ19DZUFuMmhCZDFxc1l3X1ZXZk92QUVEbXQ2Vl9SM005Y2ZEdXZFVGc?oc=5) · MONTCO.Today
- 2011-08-01 [On the Boards - Inquirer.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE83NVJzNFVvWnBfVldOb0pUaVYyQUpEX1pLc08zNllmTWdSVzhrdkVRUmRWV1JOM3JVSE56Zi12eTk5MVV2MUFyNlBKQl9oQkNWNzRsQXM4YlYwZWNDbHZzYzV2RktGbjFOTmdyYUZkZDk3a3IxNWg4?oc=5) · Inquirer.com
- 2026-04-26 [Univest approaching pivotal $10 billion mark with no fear, CEO says - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQWFozM19STHFnT2x4OFhMQWpaQlUxbndoT3A3OV9WRjEwMUdHUWlEdDY2TEUwWmdmV0g2RzJiaFFORnRWZ3hJVmlmQ2dHV0dxX0VSOFpoTGs2a29kMVRtVktBYkpUMU93R3RhQVVVaWJCSkpjbHFIVEExMFBmRkY4NVBMUXIyMzE4bk5DLUJtMDBrZkkzTHY1SWdkLU1QcDVuWVBaY1VmSEZURVJydVZv?oc=5) · The Business Journals
- 2010-09-21 [Couple to present financial seminar at Horsham library - thereporteronline](https://news.google.com/rss/articles/CBMiogFBVV95cUxOeWxBOVBLemVybGdKd3J6endpR2VLaFhJekRwT0tUenpqT2o2MUtKOTZzVzkzdWdyQkltcVJRSC1NcDdCNlpaVWRVMW1kS3VuWFlYYVkxcVRpZkROckljRXlyWGpoam1kT3lXRDR6Tmhlcm1OLThmNUpKenFEajhZTGFYS3lnRHBnWV9jR01CMVJQd0N5aUVsdVFpaTBxV1JKM2c?oc=5) · thereporteronline
- 2021-10-01 [ROBERT KASHNOSKI Obituary (2015) - Philadelphia, PA - The Philadelphia Inquirer - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOek5wa3ZhUVBLRzg4eldSeDlYN1p1ZHo4WnZIWDZ4YTJSM2FVTlBMc2xkenBvSTBtVERfak5wRzZNT2dDNFlZRG1ndlBOOXZRZ08tSFkwQ1dVLVRZSTRvZFI1WEJmV2pabHNha0pRYm0wdXZ5eTYzUnZ2SHNGbDVtWGRRSEpfTndhbnRwQ0FnNFY?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28888 (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/24.json (key "28888", 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