# SCHUYLER SAVINGS BANK
KEARNY, NJ · FDIC certificate 30072 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $151.2M | |
| Deposits | $118.0M | |
| Loans and leases | $128.0M | |
| Total equity | $21.1M | |
| Loans / deposits | 107.58% (p95 of band) | 73.59% |
| Liquid assets / assets | 11.67% (p6 of band) | |
| Uninsured deposits / deposits | 11.40% (p18 of band) | 19.81% |
| Brokered deposits | 7.29% | |
| Wholesale funding | 13.24% (p89 of band) | |
| FHLB advances / assets | 5.95% | |
| Tier 1 leverage | 14.07% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | -2.03% (p70 of band) | -6.57% |
| AOCI / equity | -0.81% (p32 of band) | |
| ROA (annualized) | 0.20% (p9 of band) | 1.17% |
| Net interest margin | 2.60% (p5 of band) | 3.93% |
| Efficiency ratio | 90.92% (p90 of band) | |
| Noncurrent loans | 0.36% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 227.07% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | expense ratio p90 |  |
| 2016-12 | 1 |  | expense ratio p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | capital falling | reserve under noncurrent |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | expense ratio p90 | assets shrinking |
| 2018-12 | 1 | reserve under noncurrent | uninsured deposits leaving, deposits shrinking, expense ratio p90 |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent, capital falling |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | NIM <2.5% | uninsured deposits leaving |
| 2020-09 | 0 |  | NIM <2.5% |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 4 | loans exceed deposits, capital falling, expense ratio p90, reserve under noncurrent |  |
| 2023-06 | 3 |  | expense ratio p90 |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 | NIM <2.5% | reserve under noncurrent |
| 2024-03 | 5 | liquid assets <10%, losing money, expense ratio p90 |  |
| 2024-06 | 6 | reserve under noncurrent |  |
| 2024-09 | 5 |  | liquid assets <10% |
| 2024-12 | 5 | capital falling | reserve under noncurrent |
| 2025-03 | 4 |  | losing money |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | wholesale funding >15% | expense ratio p90 |
| 2026-03 | 3 | capital falling, uninsured deposits leaving | NIM <2.5%, wholesale funding >15% |
| 2026-06 | 3 | expense ratio p90 | capital falling |

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

- 2025-11-21 [Kelly joins Schuyler Savings Bank as VP, Commercial Lending - ROI-NJ](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeXpPZlI5b0tqdlUwclJyNldhVmRrV0lBNmVMMFN0SlVVTm5NREZOYlNONlRnZ3VGXzgwQjlXVGRqS04wS1lzWnZ4UnE2QVd2YmdtSU1MM2s0cjFaQjJ3eFFfYmpfbWZIRDJoc05JOTBDS2xMUjhhNVBWUDUzX0FlZjRNWGJHbzRWSW9xSDU5WC1KWG1vNXo4UjhsY2VRdEZVb29v?oc=5) · ROI-NJ
- 2013-11-18 [Cleartouch Bank Platform from Fiserv Selected by Multiple Financial Institutions for Real-Time, End-to-End Capabilities - Fiserv](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPME91eTRvX2QyemVYMVBJMVQyMWxILWc1WG1ZUWJUMXZSVU1mX2xnaEZNSlRQRHptam5YaEJpWVBQaFhtSzF3YnFRUzNQMDJSZWlVUjAxTS0tc2ozMWNJaWVDczJCT1FQWDZoVXpUWTlqMGk4SlVJc3pKOExKclpoN2w4aTQyQWFHWGgwT0lxLWFqczUxWG1CaWxDSk9UbXhXMWJUYjVCVGJZbmhvUFZwR1VDams1OE0xZG4wbnRzQ0Y?oc=5) · Fiserv
- 2022-04-14 [KPD: Man arrested in connection to bank robbery is Kearny man, 38 - theobserver.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZDhNQmNxOGtDd2pIYldXbHphQVdxbmpFTnFPZG03blVhaXpmbzlMX3RDNGdtNVlwYzdzVDdKT2tUanpOYzVXMzQzV2Q1LVdsckFOVzBrNGNSNy1wcDhhYnNzVGlRb1hjemlNYnlMSzFaQ0xhLUNYS0t3dG9QLWtJa3hpODF6b2NocU45MXAxVnN0MW5lcldRdTUwQVVBQW1JLWRWeG13?oc=5) · theobserver.com
- 2025-09-29 [Tadeusz Duda Obituary (2025) - Bloomfield, NJ - Van Tassel Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMlR4RDNsaU9uazlGQ2x2MmlJOHc1SFRRdkdJeVN3YXJ4T0dEOEIycTVsRk90TTRfSXF4ZEZRZmdlLUFHQ0d4X0dFZlV6SThSWEQ5M0twTVhLSndFemdGV05XcERGWko4Wk10MUhUbTIxTDlEYW1uSXhWdS1Ma2phag?oc=5) · legacy.com
- 2020-12-05 [Lilia B. Borges - Armitage & Wiggins Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFBwWDRldE9hcHFfR3RZTXdORnY2bmVJZzE2V1JqVWNyT05tZmpqNE9KMGp6eDJXSkdNZXhEbjVhSTkwNnZqLTRrVW1jMUVuWF92SnFWcW5pOTkyXy1OMVExVURQSlFyLWlvdUZtX1pBQQ?oc=5) · Armitage &amp; Wiggins Funeral Home
- 2017-04-18 [N.J. man admits robbing 4 banks in 1 month, feds say - NJ.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUHdCV2RfcGZMRXVpVzJNN29FeW9kdGZGVWpTa0w3X0xJZVdBQmllbU4tVW05VnlNbWNxcEhYN0kwQ1h0WEF5VlJ4Ukt4aEpyNzhUYWk5dWhadDdHNGRSaG9LbG1IYmM3N2lEVU1DTllaNTlwdGFUVGRPMEF4RmJ1VHFrZTFyLVZPZGFMRmJsNUw?oc=5) · NJ.com
- 2022-11-16 [Kearny Man Reports Being Victim of Gunpoint Robbery - RLS Media](https://news.google.com/rss/articles/CBMiS0FVX3lxTFBKX05md2xXU1JMVXEwTVBwZ0FuUzFvU1ZySkJ4TnFkeU9JblBIZE1CN3pfeXpjUF9TYTBaUFJrWk02Zk5fb3FzVFZZaw?oc=5) · RLS Media
- 2022-04-15 [Reports: Arslan convicted in 2012 on drug charges, charged with another bank robbery in 2016 - theobserver.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPUllkajJzbDZleHNEVU81d3JlX2s1X014V2d6NXpLUXBuZWZPbHUxZ2tHbzQxa2VnUllSdXJzY2d3ZnQ5WHJOdmFyYmxrVHh6ejcybUtmUkdHM1dLU2VBSEVuNm1BelpHZjgtOWtieDU4T2tqdmpYWEZqR05TV2JSY1pjSDJpWnNRQmdxa2t4ZURyaElBZFdxV0ZsNk9TZF8xVUxqY2hjc0ZCWWFFMWlBeHdPVkZZXzMteDktaEhQOC1WMmQzYjdhRS13?oc=5) · theobserver.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30072 (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/56.json (key "30072", 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