# PRUDENTIAL BANK
PHILADELPHIA, PA · FDIC certificate 30011 · asset band $300M-1B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $827.2M | |
| Deposits | $401.1M | |
| Loans and leases | $544.4M | |
| Total equity | $100.8M | |
| Loans / deposits | 133.99% (p100 of band) | 72.27% |
| Liquid assets / assets | 25.71% (p37 of band) | |
| Uninsured deposits / deposits | 12.06% (p5 of band) | 27.64% |
| Brokered deposits | 0.76% | |
| Wholesale funding | 39.02% (p99 of band) | |
| FHLB advances / assets | 32.10% | |
| Tier 1 leverage | 13.42% (p89 of band) | 9.98% |
| Unrealized securities loss / equity | -24.87% (p54 of band) | -28.34% |
| AOCI / equity | -19.23% (p52 of band) | |
| ROA (annualized) | -1.18% (p1 of band) | 1.08% |
| Net interest margin | 2.74% (p14 of band) | 3.33% |
| Efficiency ratio | 86.74% (p95 of band) | |
| Noncurrent loans | 0.39% (p63 of band) | 0.24% |
| Net charge-offs (annualized) | 0.51% (p99 of band) | |
| Reserve coverage of noncurrent | 332.21% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 78.96% (p66 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -43.8% | |
| Employees | 79 | |

## 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`)
- **charge-offs p90** (`aq_nco`)
- **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 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | losing money, charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 3 | assets shrinking |  |
| 2013-09 | 2 | NIM <2.5% | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | NIM <2.5% |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking |  |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 |  | assets shrinking |
| 2016-03 | 5 | capital falling |  |
| 2016-06 | 4 |  | deposits shrinking |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 6 | capital falling, losing money, expense ratio p90, charge-offs p90 | uninsured deposits leaving |
| 2017-06 | 4 |  | losing money, expense ratio p90 |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 | wholesale funding >15% | charge-offs p90 |
| 2018-03 | 6 | brokered >10%, capital falling, uninsured deposits leaving |  |
| 2018-06 | 5 |  | uninsured deposits leaving |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 6 | NIM <2.5% |  |
| 2019-06 | 7 | uninsured deposits leaving |  |
| 2019-09 | 9 | construction >100% equity, deposits shrinking |  |
| 2019-12 | 8 |  | deposits shrinking |
| 2020-03 | 9 | deposits shrinking |  |
| 2020-06 | 7 |  | capital falling, deposits shrinking |
| 2020-09 | 7 | assets shrinking | uninsured deposits leaving |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 |  | assets shrinking |
| 2021-06 | 6 | assets shrinking | noncurrent p90 |
| 2021-09 | 6 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent, construction >100% equity |
| 2021-12 | 5 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2022-03 | 9 | losing money, expense ratio p90, charge-offs p90, deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2022-06 | 10 | loans exceed deposits |  |
| 2022-09 | 8 |  | brokered >10%, NIM <2.5% |

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

- 2022-11-07 [Fulton Financial Merges Its Prudential Bank Subsidiary Into Fulton Bank, N.A. - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPME1JUWhOcFdzaFczS2dEd2wxQnhfdE9wQVVQYjRzOGdQYlRwRlZBdWNzOUZBaVgtREs5YWRsZFNVS3c5dmJtQ19nYWlfeGZUN2xrWU9JS3NkcWJ5bXJDd0Y3a1pCTnlzaWUzMXd4TWdndEdvbzZfSzNDbFc4aV8wZGVJUVQzeXBvcUw2UFQtQkl3VU52Yi1FWEFTeVRqOGhUa2F0bkE1UEpybkVBZ2hzdzZ4Y3kwb3JSRjMycVBpVHdXb0VwSy1GdXVsajhvdw?oc=5) · Business Wire
- 2022-05-23 [Fulton Financial gets regulatory OK to buy Philadelphia-based Prudential Bank - LancasterOnline](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOdmlybmxVcFQtVnp6MjhlNzY5ZjNwcTFUZGFEeGhSTlByOHZONzBjeEltV0JRTUxFbjlaVkdDNHJTcFRxOG9lck9Oa0Z5X3BjTmdEemNMaVBudnhoU1hjY1FvWGloREVfbVNtMDhlSkJKU1hlV1hjZDBMOWJUQWNORUxoLWdITTZKNzZjUzBHdEpKMnRtenVudDJfQUJCcHB5ZS0xdXViVERyZzRVVTVxTVBnLV8tRElxc1JxNW4tWFNsc2lBUnlaUlB6QXM4U20wQzhobi0xbVp3dkJBYmpYMGpYLW5wdjZ6a2FoaDhQaVNUSzE0WXNzeF9KVHBOdE83ZjJCckQxeDFtWVk?oc=5) · LancasterOnline
- 2026-03-23 [Lake Shore Bank staves off proxy war - Banking Dive](https://news.google.com/rss/articles/CBMigwFBVV95cUxQb0lkQVdSVGRieDFQYWpmaDg2ZmdNeGpaekZzbUZWMlB2cjlWVUk1WUl0bG9FTlRWLVVpd3ZVQTI1RF9pajIxYjdfcVZaRENNNkptUnFqNGhEaVBFeWlpc3BWMHkyUlp4VTVhTEQ0cWdSWlYxV2JGVi1uUUhHWDRuSUZPSQ?oc=5) · Banking Dive
- 2022-03-02 [Fulton Bank buys Philly’s Prudential Bank, pledges city aid - Inquirer.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRGIxX1Q2Z0ZKZW9wS2VROC1zUTVxOWJ1VGxCalZDX2ltRVBBb1pvbWZvVUJ2UkZ0bVk4dmdFVUl1NUZERlViQ0NnRXJqaWxucFlzd3BiXy1LbUhVby1FMDA2T1hqMHdYZFRsRHpQVFN6d1MzaHJUUUxjME9rb3VGaUEycFE4UnA1ZVlSMFo0cDFJTEVC?oc=5) · Inquirer.com
- 2022-11-07 [Fulton Financial Merges Its Prudential Bank Subsidiary Into Fulton Bank, N.A. - citybiz](https://news.google.com/rss/articles/CBMitAFBVV95cUxOZVRkR3UwSy1DblZvSWNXaEUxeTZLTkNLbE1zOEF3UTZ2UDBsc1dvVlF4WWktQVBvY2lqUEp4MzZvWkNnQ1o3dkZlRXFnNERYRmZNTHhTUVREQXE0eFBPZnVhT011ZGx6c0ZheE4wMmpkNGZjUFU3ZjF5bml4blliNkt4VmlMRWFCeWVYb0tPeS1LVHl3ZFkzQ1Z6U21kSkIyY0t3RjhUNUd2WDFsNEJuMWdlRjY?oc=5) · citybiz
- 2022-07-01 [Fulton closes acquisition of South Philadelphia's Prudential Bancorp - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOTmU2bFNfQ0dhWlRiZWFJMU5qandSZ1NndmIyVEdqaWc4THhSVmpfa1JGcGxfYkxuSEJTcWJPRUNFTjNEMTJYUVlHbWx2VmhvWHJpcjdQS3AzUUVyeE1yZG13MURFd0N4N05oa0FqVEM4MWVWS3NiM0xnWmozVWQxT09ScnVQX0dvTmNfUUNzTjEtQ0ktT1NUTHdlS2IxV0ItM1pYU2FrV3pXV3VqcUE?oc=5) · The Business Journals
- 2022-11-18 [Prudential Bank (PA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiggFBVV95cUxPU2ZxMWFlNjlaYi1xSnRGckwxNGQ5eEI1MmQ5bnhvSGQ3dVJMU3Z3RjlhR1lOTncwVE9UMTNDTjZ6YThkYThERHkyNjVsbW1sUkZyUGhYeUg0a1BOM1Z6UXk3dGJZWUJBVVJFVmcwZlJwdGVxQTlHTGVhUDMzTWxXZGZB?oc=5) · SmartAsset
- 2018-03-26 [Prudential Sues Philadelphia Bank Over Name Trademark - ThinkAdvisor](https://news.google.com/rss/articles/CBMipwFBVV95cUxPVVQ0OVJZcXh1RzEwejBYV0ZzNWRpNjBIc1d1OERkUVdpRkItQ3FlYXNBX3NKMVJvTnh5OWJORHZ1RWsxTFFXdThvY2xfLXRsdzRNVVJFQ3hXYXFHdDM1ZWhtX2F6MzBXZ3BfSFhZVlE4NnUyZ3ZFWExjNk83TTIwWlcwb2NWOFlSWF9qYjMwRzRPQU9oMG9paFBySUtiSW9GbmpQeF9kUQ?oc=5) · ThinkAdvisor

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30011 (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/59.json (key "30011", 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