# ASTORIA BANK
LONG ISLAND CITY, NY · FDIC certificate 29805 · asset band $10-100B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $13.88B | |
| Deposits | $9.23B | |
| Loans and leases | $9.54B | |
| Total equity | $1.85B | |
| Loans / deposits | 102.52% (p85 of band) | 91.44% |
| Liquid assets / assets | 24.21% (p63 of band) | |
| Uninsured deposits / deposits | 11.78% (p19 of band) | 34.40% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 19.09% (p73 of band) | |
| FHLB advances / assets | 11.16% | |
| Tier 1 leverage | 12.45% (p91 of band) | 9.66% |
| Unrealized securities loss / equity | -2.33% (p8 of band) | -0.19% |
| AOCI / equity | 0.10% (p21 of band) | |
| ROA (annualized) | 0.35% (p7 of band) | 1.07% |
| Net interest margin | 2.51% (p11 of band) | 3.31% |
| Efficiency ratio | 85.48% (p100 of band) | |
| Noncurrent loans | 1.45% (p86 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p28 of band) | |
| Reserve coverage of noncurrent | 57.48% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p14 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 1331 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | NIM <2.5% | securities losses >30% of equity |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | deposits shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 | assets shrinking | deposits shrinking |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 | deposits shrinking | assets shrinking |
| 2014-03 | 4 |  | NIM <2.5% |
| 2014-06 | 5 | NIM <2.5% |  |
| 2014-09 | 4 |  | deposits shrinking |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2015-12 | 4 |  | deposits shrinking |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | expense ratio p90 |  |
| 2017-06 | 5 | assets shrinking |  |
| 2017-09 | 6 | uninsured deposits leaving |  |

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

- 2026-01-07 [Former Greater New York Savings Bank Lists as a Stately Home in Brooklyn’s Park Slope Neighborhood - Mansion Global](https://news.google.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?oc=5) · Mansion Global
- 2016-06-13 [Alumni Profile: Monte Redman - New York Institute of Technology](https://news.google.com/rss/articles/CBMicEFVX3lxTE5EWV9abzZEMEM1WW5KOFJxZ0VaTTRRamVLamRvODFPVDNjRFhSUWM3Ykd0dWxLR3U5NGtPTTNMYXRvOUJFVVpDeGFYS3dIczBDaGV4c2h3Zm1zMzBJTXNybWd3SEMzSUJiTHNEWVlTTF8?oc=5) · New York Institute of Technology
- 2015-07-03 [Police arrest man who robbed Astoria bank in wheelchair - ABC7 New York](https://news.google.com/rss/articles/CBMikAFBVV95cUxQYS00dHJwX2tHZi16OGUtUkh2VDRIT2wwSkc5WGlvVUI2R2JTSlA5UWNQa3ZXOUpkanhmM25SNkU1WF9FTGNKOEZ0dkwwR2ZmZ3JmRnRiOEJ4eXVOOGxXX2JORHJSYnFxdGc3RDk3c0ExdlhZc0p3c0g3QndsQVpyRXRQSTVTMUFqZ1BHcUhPdEvSAZYBQVVfeXFMTlRja0NUeVluek9JOVR5NXRBdU1RcUdsS1hxY1RMeVdmcHJ5THBUOXVmTjZEQzRJZXdHQjlmSG9NUGNmV2wySDhWaUxBckVLSGlieHFlYTVnODlGdFhpRnZMLW1nSldKOTI1M2lFNFBjbUUxRng3TlZ0cC1pVWtoUUZURlN0eXl6R3FLYVVjNTRnOHZWeUhB?oc=5) · ABC7 New York
- 2017-03-07 [Astoria deal to turn Sterling into regional power in New York - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbWhGNm03eU5Pbmpqc1dhQnhuRUZhZmpQSF9oUlNjZ0cxMWh0eXVHQmZTdzZsZy1ka3h2azZDOXhVUTFDTlBzdkxteWZrXzdxUkdWUzZFbXB3ek43c05lVXVqYUJ0TTlGMjBMdE05bzRkWWdnLWZ4eW9kSms3Zmg1M2FTRktSTVpnSmNNeHZwdGZtU2dta3hNc0JScjMwdUdtcC1pZTln?oc=5) · American Banker
- 2021-11-18 [Man Robs Astoria Bank In Second Heist This Month, Police Say - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVk9XRWR0LWR4WGJQR2NTSHhPNVU1bDBYUUNSTXhYUjBMNmRSek9JSXhTQ0FNT0RLLVZZUTNUSU5YYU16M1pGbzY2RGRCaHFUMnlqR1hrT0hUZEtscEZvSklxVTRYbkszQzlodl9KcnJ2TXJ0VWNVRG16dmtHZE93cklOYjdVSmVWMU0yT0l0b0VmSE5nLU8wSDFjeVk5Qk5rai1qVlB3?oc=5) · Patch
- 2023-07-25 [Former Bank Site to Become Starbucks - Huntington Now](https://news.google.com/rss/articles/CBMicEFVX3lxTE1ucXdxUlFjOFB2Yklydlh4d2J1eC1LTkpoOGdfUW9qVzZLN1l1Q0o1Y19UeVFXbl9KcE95bHRaSkYwOFZxUmo0OXp2MVdEZGNqT2V4S0xHZXdIYWVuSFlnSkhJbTVqTDU3Z1BpdjVJSnk?oc=5) · Huntington Now
- 2022-08-20 [Proposed Popeyes restaurant moving forward at old Astoria Bank building in Coram - greaterlongisland.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQOWJVR2NmY0IyUjVSdTJGallZTmVQNDh3VjFPVGd1QzNDZVEyUDJaZXZBWXJiOWZKU1pILVZVR2V4RFJQYWZ6ZWpJRVZ4bWRKUXZZQWFCR3FMYVNWd0Y4UEFKVnprZTc3QjRSb0EzZmVTRENxRURMaDBEZlYzQWxGV1ZXMW5hRkVoTDlSVDNQSExzMy1vbG5Oa0F6M1VpdzN4YWdwSmdSbEticnhFbnhCNA?oc=5) · greaterlongisland.com
- 2014-12-19 [Astoria Bank Opens New Melville Location - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOaTBPSnhNakw2UjRaVFpZS19teUp1OUNxbVBVRWVSaDN1RjFLTWY1dThaX3RyUkdGX1o4V19OQWtIdlhJNl9fRXR1eVJiNDc0TDBHLW9CdzhJVlNWSWx3SGJJcm03MFBNX3huQVF2clBpdm90NWpOTEdaRXBDeTROOTJuWWZrb2NG?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29805 (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/45.json (key "29805", 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