# SEWICKLEY SAVINGS BANK
SEWICKLEY, PA · FDIC certificate 30154 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $316.3M | |
| Deposits | $222.4M | |
| Loans and leases | $66.8M | |
| Total equity | $72.6M | |
| Loans / deposits | 29.80% (p1 of band) | 82.04% |
| Liquid assets / assets | 69.85% (p98 of band) | |
| Uninsured deposits / deposits | 7.60% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.69% (p61 of band) | |
| FHLB advances / assets | 5.69% | |
| Tier 1 leverage | 23.76% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | -11.32% (p40 of band) | -8.10% |
| AOCI / equity | -2.74% (p4 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 2.47% (p3 of band) | 3.91% |
| Efficiency ratio | 57.94% (p39 of band) | |
| Noncurrent loans | 2.73% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 30.35% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.32% (p4 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 | 3.6% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 3 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling, reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | deposits shrinking |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | uninsured deposits leaving |  |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 3 | losing money | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 2 |  | losing money |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 4 |  |  |

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

- 2017-02-02 [Former Aliquippa hoops star pleads guilty to bank robbery - Pittsburgh Post-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOaGJsWG9nVjA5UGVyaE5tV2JSajZRdFo3TGFvWWhXTGloQjNEbERUTmNvVHM4RjFhWm1Wb3Nqb3BkdXJxZHNZbGVEOEJPeG9pWlp2WlcxSHRIOTJTaXlqelZLY1hlZUNlVEFnS2xCVVZaUENTd0ZUd25wRjdHbW9Kdm9qNWllbWlNeTlDLU9ENEtZTWNKUTUxV1BGRVhMQkNXdlFfdmdsUDVJSnptMjRiMzBReG1XSzlkR2xGajQyRHB1N0lmNXo1bmxvTmVsSE1JNDVyVldlMXJkbldMMUdOUTdR?oc=5) · Pittsburgh Post-Gazette
- 2013-10-15 [Food Pantry: Sewickley Community Center Food Drive Begins - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxNOTl2SVhXcy1aN1c3NlBWcnMwUFQ2VXk2NDdSelJLczFtY0RJeUVyakFVTkp0NFdKakgwUUE2QUQ1a1pMQ1JCa00zMVJDX1llWmY2ZGVhR3VLODVlbWpkOEctLVpydjQwXzF0ZmpQY05UU1E1YjZwQ1Rpam5FMnNlalk1aXp6Y0Jmd2M5T3JJMEk1R3czUzhLV3p4QlFIUQ?oc=5) · Patch
- 2016-03-02 [Former Aliquippa basketball star Herb Pope, alleged accomplice held for court in Sewickley bank robbery - Beaver County Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNOExvM3NFbW5rQzZUcndiVHhDQjE1enlBWm5vRmJhbHV3bnBfUVVQT0hsTkVLb0x2R3JidVh0N21maU1sbzBiUUhuMzZaclR3UnJ0NnFndDZmUzVmSTJxVHZBMnB1U1ItU1dndFR1d1dQWDRkcEdfNmczMUZGM3JLdkNLVjY3RnUyTnRqcC1yT1Z6Yk9XaHg4WXI3RmlBNnh0dHUzeUJOSVFrQQ?oc=5) · Beaver County Times
- 2016-03-03 [Ex-hoops phenom who cheated death now faces armed robbery charge - FOX Sports](https://news.google.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?oc=5) · FOX Sports
- 2017-02-02 [Former Seton Hall Player Herb Pope Pleads Guilty to Bank Robbery - Zagsblog](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQVNBVzNwWWZEa1ppQ3E4bmVNZEs4WnZ5TEZ4WWNuTlRwVl94eUh1c2ZEOFg3UUF5cUxHVDlIV2ZPRmxmeFZkMkIyVUFXTEgxSEg2Sm5iZHFia05aR0YtT0JVdU1LUkE1eTh5cGVXcGVkRE53c1JvVlByemxQWWdUOUZUMFdsRThqOVZWel9URVBsTEVMZzFweDlqMk1OS2s?oc=5) · Zagsblog
- 2023-04-20 [Adam Edward Kostial - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOaVcyV0Juc19ucC1XM0NQUjN4aVpsWEc3enVmUkdvYUFBWlZzeVNzNmpQdzlIUmRlUmRqWnhha1lvZGpGaXFzUWVqOU9uUEtaMXhTRjRLWGxOOEw0NHBuZHp0Ukx2d1lfNkNYSW1yNzI0LURINkszRFZpVG1MemQ3VE9BUEk4bHFYRm5PS0FSSQ?oc=5) · legacy.com
- 2016-07-21 [Aliquippa men indicted on bank robbery charges - Beaver County Times](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZGlOSFQtTEdSRmxhODZhNXBnRFV0UXhfMEVvbEJodGhPVXhmSWM1Qk9wYWRVdndVdE9vUHgxMjVBcUZRYTlPMEdmNWlnVldNOWFnU3lQamM1aUdqTDR4QWMxVWtWamtnck1HMzlVUXItbVZ5Z1pOVVFSWFhXSGwxMnRZWnNxN2xLWEVHOEF1T3J6UXJ3bUh1TmdkUkFHWUhH?oc=5) · Beaver County Times
- 2008-08-08 [Hidden: On the trail of a bank robber - The Cumberland Times-News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSjRFNUJiSkFJdDZfQ2pYd0F2aVV0ZzlEaEpsM0JIbVI0TU5MUUtYdElUTEpGd3BXLUJEb296ZEVLajFBZXV4cFhJemNtbzg0TXlfcEQxNk9yRmJpZG5kVk9ZdnhxWnBEWFIxc2F5U18zemQ3blZYa3NqYXJMRUpoLU9Ld080UkdMV0RjNkpQRmxJcFdjbkhFTVFoZnlmWU4tOEJXcDRqdVc3UlhZbzRDa0JMdw?oc=5) · The Cumberland Times-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30154 (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/10.json (key "30154", 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