# INVESTORS BANK
SHORT HILLS, NJ · FDIC certificate 28892 · asset band $10-100B · latest filing 2022-03 · 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 | $27.95B | |
| Deposits | $20.61B | |
| Loans and leases | $22.81B | |
| Total equity | $2.66B | |
| Loans / deposits | 109.47% (p95 of band) | 73.44% |
| Liquid assets / assets | 15.05% (p10 of band) | |
| Uninsured deposits / deposits | 49.80% (p68 of band) | 44.03% |
| Brokered deposits | 2.43% | |
| Wholesale funding | 17.07% (p91 of band) | |
| FHLB advances / assets | 11.71% | |
| Tier 1 leverage | 9.09% (p42 of band) | 9.36% |
| Unrealized securities loss / equity | -4.50% (p76 of band) | -9.79% |
| AOCI / equity | 0.47% (p98 of band) | |
| ROA (annualized) | -1.12% (p1 of band) | 1.07% |
| Net interest margin | 3.03% (p62 of band) | 2.87% |
| Efficiency ratio | 122.72% (p99 of band) | |
| Noncurrent loans | 0.49% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 218.52% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 23.93% (p37 of band) | |
| Auto loans | $65,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $246.4M (9% of equity) (p70 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 1653 | |

## 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 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 5 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 | losing money, expense ratio p90 | uninsured deposits >50%, capital falling, run vulnerability |

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

- 2026-05-05 [Metropolitan Commercial Bank adds Turano and Kasper to bolster its government banking platform in N.J. - ROI-NJ](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNQzA3dzExX2VZWURSN2NIQzZqZ3d1LTdZMko2ajYyaC1UMlpEM0tndFNQSkFLMEI0SUt1cS1HZHVRMDBfR0hIVms0SWZXUGFFSlVIMXRiek8wMFBobnRZSWZ5Sk5FUVFfMlV6TTM1Yjl6QVJOaktNZ2JBenl6Y0J5Wkphc2tndUZSZnI0QldjMnh2VVFyNjZGSUhLTEV6SnJULXFIdFpta20xSURrQmJEQzFqc1NvSmxpb0N4X2NiZm9zUDI1VWxSVDhOZDJmYkl2T2NpbVJrUjdlaFE3?oc=5) · ROI-NJ
- 2026-05-04 [Metropolitan Commercial Bank Expands Government Banking Platform in New Jersey with Addition of Brian Turano and Tom Kasper - Business Wire](https://news.google.com/rss/articles/CBMijAJBVV95cUxQcFVBNm5IaTJxVEVmbWxPV1U2R1VmaFc5R3g4MTJ2RU1wR2xfR3lzN1g3M3NSTW00S045N2Z0bFpqY1NYc1lYUGVnOElqRXgwOF9NaHpfbXZVaDhZNGUxdmxCMmlXVWQ4eFh3R0d4TWFKUXYzSmNSdExvRmpremdKTXpOSTBUM1FWTTR3MTJ0dFpRaHF3N0IxSXE1clJQeWVVOV9tN2JaYXVZS3lOQnB1dDh0OVcwR0JERDBlWGRfRjhCSjNxRVRULUs2bzJ2cnYwaXdwMDlrRjFfdDN1QmdYdlVIQVY5OW1henhSWERiUXhGT1FmU0J3SzZpYno2UGgxN0pDWHVyTEF6TDU2?oc=5) · Business Wire
- 2019-10-21 [Investors Bank teams with OnDeck to offer online business loans - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOVZxaVpYbk94R05UTjhVUnhjcU1qeEFnWk9GX0JwLS02bmxTUmRTb1hlWTVSTzVLYjNaclIyNDFOMHU4VmZKazhNaHF1NmEwMDFONW5FNGsyZmhZaDdZNHBjU1JwMjBiaFBva3VBRXBGelYwQjFVVjFid29PdjVhcExEcndwUjlCUVg4SG1lVWthUF9FNDFyNXhKNXh4Xzht?oc=5) · American Banker
- 2021-01-11 [Investors Bank sells, leases back Robbinsville building in $20 million deal, C&W says - Real Estate NJ](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVTBxcENhV09QWnY4Y1ItWTg0TnRHbXlfMDZFMlJYeWdLZ0thdjBzT2FRMzQxTWZiRW8zOVFrTGVXWDF5cE5qY0xJdlB6WEdKVUdaMnoxY01vdGx3TzNNRXF6ZjktRHFKamVWOGhCcjhlMkZlLTB5Z2Qzdm1vNHZ2TTN5a2hidFhUTnRFMjRxQU9fWlZZbE5YdkMxTHVXZWlyNmc?oc=5) · Real Estate NJ
- 2025-03-11 [Exclusive: Liberty Bank of New Jersey files for charter - NJBIZ](https://news.google.com/rss/articles/CBMifkFVX3lxTE9NVFNleWhDRDNac3cxTUl0UVNNNm5XRjNpR21ET0xpWUp2NHNxZUMweDAwaDVaQklNRUlWNTE5ekFQVHhTZGtXa2FYQzhaU1k3NXd4dE1YQ1NGRk5rWTNMOUI4SnZhSUJ0d3ExSG9zeXpnTTBJZ3UxV3JFVllRZw?oc=5) · NJBIZ
- 2021-07-29 [Citizens Bank jumps into Jersey Shore with Investors Bank purchase - Asbury Park Press](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPTlVvbml1T1l3b1pJLUc0X3JMNlhVQS1zMjNrSW9mOXpYWkdXZ2VoTjNZSUNPcFhqSlZnbk8wLUMyVGs5QU5NYW90a25uVmt6eUUyZkpxOVgxa1p3amVGZkRNYXFKUTRudWl5U0VJcTUzTG1wVl9qaVdkVldFU0xrc19RNmNVZ0I2OXJ5bmMxNHlGMEZid3pkLXRqcnJTZWRxdlJFRFNtUmJXbG5GUlVORXA2VDJpcjZVeEQw?oc=5) · Asbury Park Press
- 2019-07-25 [Investors to acquire Gold Coast Bank - Long Island Business News](https://news.google.com/rss/articles/CBMic0FVX3lxTE9PN250di1OQVBiNjRkdGpLR1E3LVJYVi16VUpsV0dNM19pMVh3bDNadDdTby1UUXlxWXk2UVZMQkxZQVhhVjN5NnlnbzdjVFVDNWl1N0tObzRvYUhzZGpoTkFHRGpiY2JqY1VuYllGcGFTcUE?oc=5) · Long Island Business News
- 2020-12-01 [Investors Bank Foundation Awards Grant to Support Women’s Wellness Pantry at Newark Beth Israel Medical Center - RWJBarnabas Health](https://news.google.com/rss/articles/CBMilAFBVV95cUxQUVRZMm90MFFPNENheU04RW0wLXZkQUJHSklUQUdQQWZDcTdVTGVaX3BhZ21jb25nNGdiYVQtTC1TQjY4SHVrZ0NlejN1WWJYdlAwcVF6NGRLc2xYcjZ5cWxfcFlEeWhGdHZlRzJTdGozM1RTMnNFcVBXdnNiZzdmTVBaZF9yOGlIWFZScWJrY3cyeEdJ?oc=5) · RWJBarnabas Health

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28892 (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/28.json (key "28892", 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