# METUCHEN SAVINGS BANK
METUCHEN, NJ · FDIC certificate 30099 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $256.9M | |
| Deposits | $224.5M | |
| Loans and leases | $180.7M | |
| Total equity | $29.6M | |
| Loans / deposits | 80.44% (p58 of band) | 76.50% |
| Liquid assets / assets | 25.80% (p39 of band) | |
| Uninsured deposits / deposits | 14.76% (p46 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.48% (p36 of band) | 11.35% |
| Unrealized securities loss / equity | 1.55% (p94 of band) | -0.33% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 0.25% (p10 of band) | 0.99% |
| Net interest margin | 3.79% (p50 of band) | 3.80% |
| Efficiency ratio | 77.01% (p68 of band) | |
| Noncurrent loans | 0.25% (p36 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 21.71% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 15.84% (p49 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 | -1.6% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | expense ratio p90 |  |
| 2013-06 | 0 |  | expense ratio p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | losing money |  |
| 2015-03 | 3 | capital falling, NIM <2.5% | losing money |
| 2015-06 | 3 | losing money | capital falling |
| 2015-09 | 2 |  | losing money |
| 2015-12 | 4 | capital falling, reserve under noncurrent |  |
| 2016-03 | 2 |  | capital falling, reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | NIM <2.5% |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 3 | NIM <2.5%, reserve under noncurrent | assets shrinking |
| 2019-03 | 2 | capital falling | deposits shrinking, NIM <2.5% |

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

- 2019-04-01 [Manasquan Bank Announces Completion Of Bank Merger - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxQR19qQzdWVXZ5VGQyNS1XU1pPU0NjUXBva0ZvVHFsZjdyVXgtekVmdUlvSUVZQk8wVGFGYld5OUI4OHJ4azNXQjdQRDZZckpLN3hPTk05MGZ4OGptNjF3aDN5elRNLVZPWmdhWlJqZTg1OEJZMmJGV3N4al9LeEYzcURiSjAtLWlQMHF3X1JyRQ?oc=5) · Patch
- 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
- 2024-05-30 [Manasquan Bank Promotes Four Leaders to the Position of EVP - citybiz](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOEpERVl4QjlnN25SaXY4SExJS0lhQzMyT2UxeTAwaFhaSXV6UFg3a0lQY0MySWN1cmpuTlAxOWIwQjJhZzVqWkVPN3FkN2lpU3AtT1hfaFRuYV81SmVTTE5IODVFaUE1Z3FjaWh5S1FKZEZqalVQUDE2RktLX2NmaTUyNXlfb2pwRDRmWWJFeVpXN0lXbV9VbjBuM210eUk?oc=5) · citybiz
- 2026-01-07 [Lisa Marie Doll Obituary Dec 9, 2025 - legacy.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE1lWEVZTnJaaG5SSmV2QzhxLWpWTmtHVDhPU1BhdGRKbkk2ckY2T1A3S0xQNmZmXzJzZnVFOFpxVkpPRGZSaTBvRmxueXIwdU83?oc=5) · legacy.com
- 2007-09-27 [Cathy Renner Obituary (2007) - Newark, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQT2hrZWVIQmladGlnUElmdzd3S1NjbUpCZV9vdmctZV9RbkFzR2JUbUxHRFF0d1FvUzM4TUlyaHpQQkdtYnBybmtnRktCTnlidTdaMEJIN1g0RXp4YlFYVGhQWWhjWTFXVnk4a2hkQkZ0R0hJanlnaU5CWlBXV3RQdDNtaDVmbXlERFowaw?oc=5) · obits.nj.com
- 2026-06-09 [Marie Louise McClarty Obituary (2026) - Metuchen, NJ - Costello-Runyon Funeral Home - Metuchen - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTlJFNkM0UEpPUGxyYkQ1Z0VjMmpKVzRpTGFqSEVaZ05wZUtlWnJvMnN1UDJKZTg3Vllwa1NHQlRjLTQ4dEJHUjd6UkpjNkNwRXowM0hMd3JwZFp3TzJjQ2RRY3FKR1JvNVlwN2g5c1d6aWFpMlhWZjNNVndHRmFodXQySQ?oc=5) · legacy.com
- 2007-05-31 [Lucille LaViola Obituary (2007) - Newark, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNXZpNjZSdHNhVGE1WjZpcTJKX2tYYUZFZGlvWU1pdl9uMDZVUktEQmk2dF95UzQtN2RuRmE1Zl8wUFRFTkl4bG5kampjWTVYUnlrZzZCOWpEbVFsZF9lNEdVUDF6Sk4ySHE3V1Q0a1l2QkFoVjNfSnV2YU04MndsMm14a0UwWHhnQ1E1RG9qczk?oc=5) · obits.nj.com
- 2017-10-31 [Martha Masucci Obituary (2017) - 56, Perth Amboy, NJ - MyCentralJersey - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeU5QM2wwTDZGNWxqM19qSkVSSEV3Nmx6N0duM3d6Mk1ZOVVScGVKRHhVU2tXM2IzcE4zYXRxQzRRR25MMVBqS2pTdlU3NllGV1h4dXZzSUNMV1BjWTZnTlo5eUpIS0VGUk82akRfNFBqQTQ2YnJFMkhHTlVZLWotQks3QTlkQjdxaENaOUROMDZyMUIxOTdEbQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30099 (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/19.json (key "30099", 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