# FAIRPORT SAVINGS BANK
FAIRPORT, NY · FDIC certificate 30056 · asset band $300M-1B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $318.7M | |
| Deposits | $233.5M | |
| Loans and leases | $276.4M | |
| Total equity | $29.5M | |
| Loans / deposits | 117.66% (p98 of band) | 84.67% |
| Liquid assets / assets | 9.04% (p3 of band) | |
| Uninsured deposits / deposits | 7.33% (p4 of band) | 22.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 16.28% (p90 of band) | |
| FHLB advances / assets | 16.28% | |
| Tier 1 leverage | 9.08% (p14 of band) | 10.64% |
| Unrealized securities loss / equity | 0.27% (p35 of band) | 1.01% |
| AOCI / equity | -0.03% (p31 of band) | |
| ROA (annualized) | -0.43% (p3 of band) | 0.99% |
| Net interest margin | 2.73% (p8 of band) | 3.64% |
| Efficiency ratio | 109.47% (p99 of band) | |
| Noncurrent loans | 0.31% (p33 of band) | 0.56% |
| Net charge-offs (annualized) | 0.19% (p91 of band) | |
| Reserve coverage of noncurrent | 195.28% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 19.46% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | reserve under noncurrent | losing money |
| 2011-12 | 3 | capital falling, losing money | reserve under noncurrent |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | deposits shrinking | losing money |
| 2013-03 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2013-06 | 3 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2013-09 | 3 | loans exceed deposits | expense ratio p90 |
| 2013-12 | 2 |  | loans exceed deposits |
| 2014-03 | 3 | loans exceed deposits |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | expense ratio p90 |  |
| 2015-09 | 2 |  | expense ratio p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | capital falling, expense ratio p90 |  |
| 2016-06 | 3 |  | expense ratio p90 |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 5 | capital falling, uninsured deposits leaving |  |
| 2017-09 | 4 |  | uninsured deposits leaving |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | liquid assets <10% |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 |  | capital falling |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 6 | capital falling, losing money |  |
| 2020-03 | 6 | charge-offs p90 | capital falling |

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

- 2014-02-21 [Fairport Savings Bank Residential Mortgage Office Opens in Greece - The New York State Senate (.gov)](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNZGw4SlZEcEZ6elZaTlZmalJEZHhHOVhWLXp3Q1YxUm96QWJfYmVxOGxubERlN0w3UW1sbmxVNkdEdmswbVNHdzdXMzd4N1haNjNUdUVvRlVZbElIbzU5THdLSnJDaHJlMVdxSHplRkVGVkhCUkxUV3J5Q2JIY2hrNzJFaGY4NmxGTHZGLTNINlRpbzVwdE1DdUZrZFVMR2tYNlFKNlNxWHAwUjM5YjJpMW5NTGJVM3NRUEFj?oc=5) · The New York State Senate (.gov)
- 2024-09-10 [NBT to merge with in-state lender in $236M deal - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxQd01qSENBMXFSbXl2ZGJ3eWdXYVpWZk1vUmlZN1cxNUQzV29yaFFtWjk5RFEzUzdjM1I0bTE1aEJKcHpWNHVRQWxycmNlYTh2R0d0VUhBWERrX2h1em1EckdqR0FVSXV3SDJSU1VKdzVKWmZ2cDB2RXdsLS1EMHl6OWdJdjVCVmN5dDZUczNnRi0ydw?oc=5) · Banking Dive
- 2019-12-20 [Evans Bank in Buffalo will acquire Fairport Savings Bank - WXXI News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaC1PQ0t2ejQ4WjdMWTVIbm1TYXQzdzExTWV6N29KbzB0eVdWUmMyWnVWNGxxSE9pd2pQY01mUzZobnNRY3A3UFluNU1rbHRxV1ZQOGp3cERIM2VHVnNKUUVHbEtmVTR0TFJnMFZ4bjhQakx4QzIzV3VrQmxPaWpHZDFVd0taaDZPbnZoR2FlckJUcDdhTi1UNDdZbmhhUnZRMmc?oc=5) · WXXI News
- 2018-11-19 [Man arrested, accused of trying to rob bank, tellers in Fairport - 13wham.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOTTh5d2V3TS1KSVlhWTliOWM3a0NJOUIzc2lrTkFBLXlSTmlmTVlXRWdRSkRQLVRNVEk5TkNMSFVVTVB0Y284TmpsWmVTc3dnUmh2U0UtOE9UaVNYV0NObktGcjlfYmhNdjVNcDhXUGhtZDlyQ2J0dXJ5NjRFNmpXN01EYmVqSDR1M3ZqWlRqdnI?oc=5) · 13wham.com
- 2025-04-07 [NBT Bank premieres in Rochester before merger with Evans Bank - Rochester Business Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNWhnUjloMXVuaUNFbFJLbHhueU9MQ0plRWpSVjV6eUNudkhpN3VJSktCYlhjTXAtamtfWnpObkp5MUZ6XzdZZmRQTHdvVi16emlnQ3NQcG9pSTdOajd3ODdva2x2TUtSOFNMM1ZEVkQyVXNlcG81WTZyLU5BRDhWUXZHQ0xNa2t0TVBrNVNoa2lGTGc2TktJ?oc=5) · Rochester Business Journal
- 2017-11-01 [Fairport Savings Bank names new CEO - Democrat and Chronicle](https://news.google.com/rss/articles/CBMiogFBVV95cUxOeEZKbkNSZWJ4X1ZzWUJiU01Cam5KelR4b2xzNFc1WUd3U2RFQmVTbkhoWHBOS2pTbFF3WU5PeTQtZnZKT3FyUnZiR0pyb1hTZFJXQ25RTU9nanl4N1dKR25XZURNMVhkUzNJX3lQa1dHa2FHZ2Z2QS1GX3BCYnVyNGhTbTNHY0sxN2haYmZEUmY3d2h3d3RnRlAzRXJBeFR5VkE?oc=5) · Democrat and Chronicle
- 2023-12-05 [Generations Bancorp NY Appoints Angela Krezmer as CEO - citybiz](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeTM2QmZGckdBb0xrbDhXbjc2UWhNRndNRzhCcUZ1R2JJUlk0WDZwcEFTUTU2TG1XNUJicDlPZ3psWmROYTJCQlZmeGpoY1VXXzk2c0VKMlAzREhxVlBiT3NZbWtCUnhuaDJDVi10YUo2RE1JTTZaQmRKc3pwc01jU0xVY3RjdjVjcDlnbVdTY1h2NThzU0Jz?oc=5) · citybiz
- 2015-01-20 [Chisholm, Maureen T. - Richard H. Keenan Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE0yOFJaczlLQ3ZIOTlWdTVhY1dqRkNWbHBGblhfZG9kN1U4VXRGdTAwQTBUTmhHdWlXT0dNbk1qZV9aSU5IOXBDVi0tM01oQmZ3andqY0dHem9Qb1Axc2hZ?oc=5) · Richard H. Keenan Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30056 (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/40.json (key "30056", 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