# ROMA BANK
ROBBINSVILLE, NJ · FDIC certificate 30041 · asset band $1-10B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $1.54B | |
| Deposits | $1.26B | |
| Loans and leases | $962.4M | |
| Total equity | $184.7M | |
| Loans / deposits | 76.00% (p41 of band) | 80.17% |
| Liquid assets / assets | 30.53% (p60 of band) | |
| Uninsured deposits / deposits | 5.89% (p9 of band) | 22.18% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.12% (p33 of band) | |
| FHLB advances / assets | 2.17% | |
| Tier 1 leverage | 11.59% (p79 of band) | 9.79% |
| Unrealized securities loss / equity | 1.98% (p87 of band) | -0.48% |
| AOCI / equity | -0.11% (p87 of band) | |
| ROA (annualized) | 0.23% (p7 of band) | 0.93% |
| Net interest margin | 3.01% (p23 of band) | 3.53% |
| Efficiency ratio | 89.88% (p93 of band) | |
| Noncurrent loans | 4.57% (p91 of band) | 1.32% |
| Net charge-offs (annualized) | 0.00% (p10 of band) | |
| Reserve coverage of noncurrent | 17.83% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 14.74% (p27 of band) | |
| Auto loans | $31,000 (0.00% of loans; DQ 74.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -9.2% | |
| Employees | 289 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 1 |  | securities losses >30% of equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 3 | assets shrinking |  |
| 2013-06 | 4 | expense ratio p90 |  |
| 2013-09 | 5 | noncurrent p90 |  |

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

- 2013-04-26 [Robbery of Roma Bank in Florence - fbi.gov](https://news.google.com/rss/articles/CBMihgFBVV95cUxNUG8xYlVpNEtUQndBV2xiQUluamw5aG85RWNUNlZzRXVHRHptVDhZRHRDUURZWUstdHZsWW1haVIweGJHaFVPemhzSXFuUnIwLVdUdENDeEpEVkxuZGtrb2Z3VTJhNUVZWWlvYmpJbU40NzRoMEZ4QVBEQzRlb3lZbjJvdmV5UQ?oc=5) · fbi.gov
- 2012-12-22 [After nearly a century Roma bank is bought out - trentonian.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNVRZLVE3TFVRNDRSU2RDcDNYX1FLRmtCUGk5bmhleVVfaE54em5WQzlsQ1RNaUJ5em5icHB1d1VYb3gtTFdqVFliUEt4YjNQMGcxUG9GRUNHbmhQdFZNbFFmVDBVMF84Ym1kOHRCQmZ2enNpbUdlUlVyM3o1VllJWVgxblZvSnRIbmZyRkVn?oc=5) · trentonian.com
- 2021-01-11 [Investors Bank sells, leases back Robbinsville building in $20 million deal, C&W says - re-nj.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVTBxcENhV09QWnY4Y1ItWTg0TnRHbXlfMDZFMlJYeWdLZ0thdjBzT2FRMzQxTWZiRW8zOVFrTGVXWDF5cE5qY0xJdlB6WEdKVUdaMnoxY01vdGx3TzNNRXF6ZjktRHFKamVWOGhCcjhlMkZlLTB5Z2Qzdm1vNHZ2TTN5a2hidFhUTnRFMjRxQU9fWlZZbE5YdkMxTHVXZWlyNmc?oc=5) · re-nj.com
- 2013-12-08 [New era begins in Mercer County as sale of 93-year-old Roma Bank becomes official - NJ.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPT1N1RWtfRVBWeXozNDZjQ1BvUTByb3BrRnJRYk42NXoyaVdOc1ROWndsWHkwdkMwNzFjeThxNThjNktGNjZ1a3FjLWY3OGNNTnlFRlJTM2k0TXJ0Z0hpbHpUQ3NfMFhubGNoeVhBcDMtcERLVWN0RWhXLVdlRnhHaVNFZk1LX3pHbVhfZGU2ZDRKejUzYjU5QTZ4Y3Z1Rm9SQlZjNWx1cE41ckJ0NmlGMm5HaWhJZU5tMkFMdg?oc=5) · NJ.com
- 2011-07-06 [Roma Bank supports NJ Air National Guard 108th Wing - Burlington County Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxQa1ZWaDFGVkwtZ29xa0VpNkV5S21ZdGRDaEpPdkdqN1BlMEVEYkJib3h3U25ZdjRWMzVlZXp6d3VYMThLU1lkN0FXWVZuZ3lQXy1pVzROUm01VlBIeWtfS3pFWkVsalhuc250TEZWOG9icktPREpSU1Y2TEpvWWFaQThQbklMaDlDSzBnbF9TSDRlaU1MOVo5MjIxWThFbFZpRW9nMHFR?oc=5) · Burlington County Times
- 2014-01-14 [Delran Bank Robber Arrested: Prosecutor - Patch](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdGVUS0t1bGFlcXdWOEVmR0FDcDhhek9qWkdEYk9jX3FrZUdzdUNtb0dVbU9kU1ZBZlhQb1hxaFpSdkxpdEtyMHduNTE5ZmFrbFd0bTZRVDVyeG02bU9iYkRDT2Y0cWluMzVWR3FiMWhBMklWUWREWkJFWE0zXzhHTF9KeWN4Zw?oc=5) · Patch
- 2013-01-08 [Class-action lawsuit alleges Roma Bank sold bank for 'unfair price' - NJ.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9vSlRBdlRoZTI5VDlselhGMzd5QUdXdXE5ZV91SXJVbVJwVklhYmxjb2pBWDQyMjBNYnJxdlYwaW8zczVJY1NNWVdCVnNwcVdRMkxmNFdhSkRUYXBnS3dsOWtkWTdmQzNIZW9tNXZxVzlhU1piMU9wcg?oc=5) · NJ.com
- 2013-04-30 [Investors, Roma bank merger still awaiting regulator's approval - NJ.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1JbEZpR0xFSXlYbnc3SkYyeTNyVXZUWDFGcmVOWkp0aUpNbUNuUXlKMmVjbGhLQ29oV1JRdUJDNmhqenhQYWh6bWVrVnlOX0N6WnNEelpjVVdtYmMzS3pGNTlVVWlTbEROVnY0WXFpUGNMRWxORXhxRW5lZw?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30041 (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/25.json (key "30041", 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