# COUNTY SAVINGS BANK
ESSINGTON, PA · FDIC certificate 29231 · asset band <$300M · latest filing 2026-06 · live

**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 | $90.4M | |
| Deposits | $82.2M | |
| Loans and leases | $55.9M | |
| Total equity | $7.3M | |
| Loans / deposits | 67.46% (p41 of band) | 73.59% |
| Liquid assets / assets | 34.96% (p55 of band) | |
| Uninsured deposits / deposits | 15.48% (p33 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.08% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -15.52% (p30 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.17% (p9 of band) | 1.17% |
| Net interest margin | 3.40% (p25 of band) | 3.93% |
| Efficiency ratio | 92.84% (p91 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 11.07% (p40 of band) | |
| Auto loans | $70,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2026-05-07 [People on the Move: Bristol County Savings Bank Promotes Chaves to EVP and Chief Revenue Officer - Go Local Prov](https://news.google.com/rss/articles/CBMizAFBVV95cUxNRHhzR3ZOWnMzY0tpRDlSMUk5Z2Q0V3NXQ3c1V2d6dWp5bl92cTVvWFJVT3VUakxGQndqaDE0RHFPUVF3S2R5UUhqakxrQzRid2c2Q3Q0R0xUdTVyNHhMemNZY1JzbFdpNUxPR1B4dExnanN0WS00MVBwNXVXWnJiZXU1dDUwS1lxQmlYMkpBWFZaVkZNUEk1dU1kTENyVFBjZzJlQnVDQlF6cFRQak93YldxdDRVR0RFRGREZ1VuRXlnRUVqbG53dEdISHA?oc=5) · Go Local Prov
- 2023-04-24 [Union County Savings Bank banking on community - NJBIZ](https://news.google.com/rss/articles/CBMic0FVX3lxTFBIS2dNa0NrdmN3cGlmX1dFVVJiTGxQcFNueTBkX21Mekx5UVJNSnZpSy04YnZsQ0pfTzRSbU4zQXFnTHN2Ti02S1lsRkluRVJQSW5NTmZRT0l3ZGd2ZjdfMTVSVGNvakg1OGZFeE4yQkFpOHc?oc=5) · NJBIZ
- 2023-08-25 [Bristol County Savings Bank names Tremblay VP and commercial banking director - Providence Business News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUVZScXRLY0VEZzlULW82T3NqUjMwTFM5eVRFYl9XUV90XzN0YUszaDBCMENjWGhLMVNCbmNyNF91amMtM2k1c0hxTzlpek5VTmNxYThqLVRMZnpvZjdCbHMyS25FSEVxM1FHRTYtUmFhTlZpVWh0LXJLR1FtTGhOWmZ4eVctRmM2aU9ROXViNFlUak1MN095NWxR0gGiAUFVX3lxTE9HQ0praVB3U21lVDBJMU1RUlhTcDlGX3hUTnJqOUZXSWFaaExpYTNUX0RqWS1GZElCOFBnclJ1bzBCSE8yRFhVcUlKUkhIOTgwbVFHOGhGMnpDRFdaaklweHNTdmNlSDJLSWZ1bFp1a3pQQ0ZvajBqa0UxcjN2NVdTRVl0VzgwV25jY3N3X0h6ZW5veGJMWFFCT3NkMF9tVDhZUQ?oc=5) · Providence Business News
- 2025-03-31 [How to See the Liberty Bell...in Queens - untappedcities.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5NTV81MUVuZUJMVkdILXdBM0l3dFZaUG45M25TSFEzVF82Zl9LUnRISF9iTlJWWUJ1RzI4Sm05eFFwNWpxVVlOVC1Da0xGeDNPVUZGN1NkempMczNMZUEzUGgyU25lTDcwZElWLWhoWEdpT2xWQkVwMC0wUQ?oc=5) · untappedcities.com
- 2026-02-18 [Pawtucket launches emergency fund with starter grant from Bristol County Savings Bank - The Valley Breeze](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOSnZTVDZERlpicVpJVDhOUDdDOV9lVWJ3Tk1mSnhwRV9VOUVjMUFtaDVWTDV5RFJrWmJBakZMdlNKX0llQTRDd3dOakZPMUZwWENEYW5tU2x2MGM0ZXRrUkJGWUwyVFNEYnBMbDlOOE05Rms0dHZ0dmNuQzB3M25qU3BDWk4xZ0NrMmtWYnV6Q0FQSzhtTUhzcm12NmdpRWhhcnlXcEJnazdNTElvbXJEam9yYTNncXdzTldBZ1hhbWkzYVl5TUZ3VzcyYUFXQmNIbnlkLU5DSEJmU1ZlRXppRXZjOXFaM0xUcTktb1V5QXAzVFVSYk5kSG5ocFRyU0VMZnRPbUFWRXpId3c?oc=5) · The Valley Breeze
- 2018-02-01 [What’s happening to community banks? - nhbr.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBKMEp4NVJIQnZQTnFoVFdCQnhDb3dQbGI3Z1oxZWZPdk1obndJOVJVQ0RhUnFQQVNONXdNN0xCeWZ6SzZLdmRobGxkUUpxT1ByRVp2S3VZdTFjZklieEtpM3hyeHhXTG8?oc=5) · nhbr.com
- 2025-01-07 [Hancock County Savings Bank Charitable Foundation celebrates 25 years - - The Review](https://news.google.com/rss/articles/CBMixgFBVV95cUxNT3NfNkRpRnlzMHJTR2EzbEgxVUpNYjAwRGpRSFNyRlBQb2hPNkZXU2IyQmlEY0lHLS1UWVhPNXAyNk9JWDNMTWdNVVNGdlFZSWd6c1lxRkptU2xDd0xhcWQzYXVQMmIyUzJkME1qbUtIS2R5bS1NQy1qVjUzemluc2t6bTE3ZlFwdHBkbkRrQnMtZFpsd2sxcUtIcmhTdVRLMzI1VWpaZGk4cmlOSG05YmtMdWdVS3IwT3ZMTG1VRVp6UENuU3c?oc=5) · The Review
- 2018-10-26 [County Savings Bank raises over $8K at recent Vest A Cop fundraiser - Delco Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNSFRlZzdHN2MwOG03M0FmaWlpN3NKd3cwWFJxMHpQOWhuMDZqdks0WHIwZ3RGX05SOE0wV3htMjhYeGkxa0pLTE1uWWt6SnkyQks4Qk9GSDN5MWVKdXlMLVBPcFhpN2d6OVljUVBUb1pLRldXTnptRjQ1UjhoOVBNY0l1SXAwdXd0cWQ3TjRXSEFGLVNRdld0VTRXOG9lYVdKRDh2STVrYk4?oc=5) · Delco Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29231 (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/47.json (key "29231", 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