# COLONIAL BANK FSB
VINELAND, NJ · FDIC certificate 30218 · asset band $300M-1B · latest filing 2015-03 · 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 | $572.0M | |
| Deposits | $505.7M | |
| Loans and leases | $273.8M | |
| Total equity | $64.3M | |
| Loans / deposits | 53.71% (p11 of band) | 79.82% |
| Liquid assets / assets | 46.64% (p85 of band) | |
| Uninsured deposits / deposits | 35.08% (p88 of band) | 19.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.19% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.06% (p68 of band) | 10.09% |
| Unrealized securities loss / equity | 0.77% (p32 of band) | 1.83% |
| AOCI / equity | 1.69% (p91 of band) | |
| ROA (annualized) | 0.79% (p42 of band) | 0.88% |
| Net interest margin | 2.38% (p4 of band) | 3.54% |
| Efficiency ratio | 103.08% (p98 of band) | |
| Noncurrent loans | 4.09% (p95 of band) | 0.85% |
| Net charge-offs (annualized) | 0.28% (p92 of band) | |
| Reserve coverage of noncurrent | 19.68% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 11.67% (p21 of band) | |
| Auto loans | $3,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 3 | capital falling, charge-offs p90 |  |
| 2012-06 | 3 | losing money | capital falling |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 | NIM <2.5% | losing money |
| 2013-06 | 6 | losing money, noncurrent p90, charge-offs p90 |  |
| 2013-09 | 9 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2013-12 | 8 |  | capital falling |
| 2014-03 | 5 |  | NIM <2.5%, losing money, expense ratio p90 |
| 2014-06 | 5 |  |  |
| 2014-09 | 6 | NIM <2.5% |  |
| 2014-12 | 5 |  | charge-offs p90 |
| 2015-03 | 5 | expense ratio p90, charge-offs p90 | deposits shrinking, assets shrinking |

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

- 2014-09-11 [Vineland-based bank to merge with Cape Bancorp - thedailyjournal.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQejZvdHVaenpSQWZZSXA0NGtIY3MyZ20zNzNXSy1KRmF3V1ZsOGhuZjU2LW4xa0t5LU1rR0ptSHhsZ1ViejY2di1RbDZrRVJnU1M0cEV4TGdXSnEtYngxYjJPWkI1V0ZoN1NxOThPbGNHTjFMeW9HWXpsZXR1bU5wcm8zRlBKT1pQUVhaWi1uSGFtUDlCVXNZOFU3LThDOXgyaE1rSS15OTFyLXNv?oc=5) · thedailyjournal.com
- 2015-04-01 [Cape Bancorp, Inc. Announces Completion of Merger With Colonial Financial Services, Inc. of Vineland, NJ - GlobeNewswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxNUTdIVzl2S09yY0FiWEZsV1VtRF9CSldhUnIyRTFuOUJKbkFqN3pDWkplS3lsTzhSRUVaRjJmVHVnOWRTMmJwdHlzNnpRbXlHb09ES2M1Sk0zemRFUUYxbWl2TFdoVTVuUTNnN09PSndTU3ZpQmVzZFJKd1YtbDR6VmNINHBtY29UeWE3OVpfdko1OFBreFNZMnZHWnl3OUE4cUlSN05wRDNBNElzamhMYXFITGYzSVpxZGNMZXYtdFhKay02SmU5R3dCZllQejZ2VDB5QURTSkRvX2MtSVo0Y0FBZHZuaWpxZldvT3p0MWNoTUNjU01XSTJRTmNRTnpDRDcycg?oc=5) · GlobeNewswire
- 2011-06-29 [Activist Seidman Moves On Savings Institute Bank - institutionalinvestor.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOWWFIWW1NRGF0MFpZb3h4dHN6VXVkYjNzS2tEdGlPTVdfaENGM0hEYUpRQ3d2Q3FUaTJLZ1A5WmdCUzFwUGJvU3U3YlBNVDEwN3E2bFNBcXJkbERKd2R6bFA4enU5UGZmYU5xVXFYTzhLUzY5OFU0REc2SzZmWFIyQzZLdlo0U1ZMM3JpREFkc3R4Q1E5dkpxdDE5YkFTZm9yaEs5bV9jLXlGbWwzVW96aWI5ZG1nbjlqcEw1ZklSSzJsOFVo?oc=5) · institutionalinvestor.com
- 2011-11-16 [Facemyer named to South Jersey Healthcare trustees board - NJ.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBzVUI4LXNwdUVtWThBQUY1OGtreGdKZHVObFJMZWp0ajU1OHV6OHZPc1BfQV9ETWx6SlVPN2dmb0VhMDFsOFAwUF9hekxSYS13TE9YNFV0bXJvODh3Qm5fWHV5cHZJVWRvZl9MMGlpTS1xcVBxWktQX2wzeVJqQQ?oc=5) · NJ.com
- 2021-10-06 [Jaelise Rodriguez Obituary (2013) - Vineland, NJ - The Daily Journal - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTWk4NjlwNU14ekxHYzF1czdYTFBORTJDaFZPVzJOLUY5VFh6eXZsMTZnRzh6cFlfZVlybWRPbmlJZWNzc0o1akVqemxzOVYwTUNNVU92QkVsZVlRVlNhWmJEalROb2dvT2cxeDI3dmlXd1R4SVhWc2NSa1ZGcmFjYmcxQUxqeGtGbEhEcklRcHRBeUtnMUFETG5oamY?oc=5) · Legacy obituary
- 2016-04-20 [FRANK HANKINS Obituary (2016) - Bridgeton, NJ - South Jersey Times - NJ.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeXY4QTVlRFU5TEJIbmhFX1NTRUVjRE03QVVTSUZKQi1aMkhFTkdWSENfbWRyeEwySl95Q0VVSGdHOUU0MHZtX1ZDMHRyZng0THdneXVRLUFQX1Z1UlJQNWFEX1B1MXdRYnVnMEJRcXI5UldXWkpsZ3I1MG5ET3dsdFhWSTRQZ0lMT2Vqa3hZaV9YNm54aUE?oc=5) · NJ.com
- 2008-05-16 [Jason Williams Obituary (2008) - Jersey City, NJ - South Jersey Times - NJ.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZFp5UUdQRlVlSWJ6UEh3WGtDd3lRMEFnUno2U2hnRHhOMGs0NkZtbVBxb3pRNXRSMExQdjQxcXNlbzJTN3RUYTc2OHJSRGFxN0NkYlFmWndwcXQ0d3hzT3NoV1RQR0lNYUpMTXJhT09iX0VNQkNfSUJVeU1Xb1FvcHR4LTVOamduY08zXzZFTmwtN3BwUC1F?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30218 (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 "30218", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide