# ATLAS BANK
BROOKLYN, NY · FDIC certificate 30783 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**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 | $116.2M | |
| Deposits | $85.3M | |
| Loans and leases | $70.5M | |
| Total equity | $14.8M | |
| Loans / deposits | 81.77% (p76 of band) | 68.03% |
| Liquid assets / assets | 35.25% (p48 of band) | |
| Uninsured deposits / deposits | 9.38% (p35 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.53% (p92 of band) | |
| FHLB advances / assets | 13.53% | |
| Tier 1 leverage | 12.76% (p78 of band) | 10.34% |
| Unrealized securities loss / equity | -7.54% (p10 of band) | -0.15% |
| AOCI / equity | 0.52% (p47 of band) | |
| ROA (annualized) | -0.08% (p9 of band) | 0.74% |
| Net interest margin | 2.98% (p18 of band) | 3.59% |
| Efficiency ratio | 107.41% (p94 of band) | |
| Noncurrent loans | 1.14% (p55 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 90.90% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p7 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 | -3.6% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 | 3 | capital falling, losing money |  |
| 2011-12 | 0 |  | reserve under noncurrent, capital falling, losing money |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 4 | deposits shrinking |  |
| 2013-09 | 4 | capital falling | reserve under noncurrent |
| 2013-12 | 6 | wholesale funding >15%, reserve under noncurrent |  |
| 2014-03 | 4 |  | deposits shrinking, wholesale funding >15% |

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

- 2015-08-12 [Bank of America: These Five Maps Show the Major Global Trends Investors Need to Know - Bloomberg.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNMVlfQmJmeE9mbzFkZmxvVEYxRUZCbWV1Z25FSFlXZVhuUnZYQ1NPYlNrRVJKdDNyUlVZMThwTW9rTjRZOTRoYTY1WGYwZF9yMGluYnowejZsVzZaYkcwT190M2U3RkhqVVlJQ1pjM2J3T1RjcUtfZ0NtNVRQb1FqekRTdjZPT2kxejdOTVczSDV1cUZ0Uk0xUlN1dy1QaG9kYlVDa1BiX1JXa2dWLVVlejhGNDJQSm1jamhmbTN3VGpWajBDWnFqWnJGNVJBcEk?oc=5) · Bloomberg.com
- 2026-07-15 [A cocaine bust in Spain leads all the way to Wall Street - The Japan Times](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUk1kZ1U1MDY3WExtcDNMTGRyaXp3MkY0VEVEWkRseUhTa01LQ25fa05wUWNOaENlQ1gwc3JzNEVRVmI1SmlWMjNBTGlwVGtrRFJWTmkzcFZoZG5jd1hJVFFZQ2NpdTN0QTUyTUp3ZlNMVmk0cnNIQ0V2VnNLNFNNVFR5aGxNQ2x4MVdnSWNmOC1PLWdyaFhSQnR3?oc=5) · The Japan Times
- 2022-09-21 [Israeli executive at Swiss bank suspected of massive fraud - Globes - Israel Business News](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBaMGtQWXNnYjN2aHlOeG03MVg2UnlUc1ZWWGtYSm5SVnJzX3dSdUw3ekxGZHkzV0NhQTU0RWdVWnR3SHdpX2ljSU5JZXd0X1phTDBKZWYxR05HOUtOcGRRNS12QQ?oc=5) · Globes - Israel Business News
- 2018-04-11 [Atlas Acquires stake in Nigerian based Online Sports Betting company - The Kenyan Wallstreet](https://news.google.com/rss/articles/CBMikgFBVV95cUxPcjZoVUQxSlRRSm5hZ19GMzd2eVVYLXk5NnpmVkpoWDNaSXVXYkJGTDF0X0FHUEVpTTlCQTJqMUFpb1dRb1Q2OXRVd3B4WTFVV3NpU01heFd5NF9hMU8zQjJfR0RSWmhrcE5xb3dFZEZTNlZxc3pLVnlfOUpZcURNSkw2WmRNTFl1OTFpa3hCNG9pUQ?oc=5) · The Kenyan Wallstreet
- 2019-07-06 [68,28 million was paid to depositors of Atlas Bank - vijesti.me](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMF9yLWRWSHBmU1gzN3pIZjFLXzc1aERFRjdsQVBKd0tWbUVILU0xZy1sNFF2ZGMwbkQ1SDlwYmhkTkR4YmVTZ2FnQlBzdElRWGFGSkJQd2dXcF9yMGpoay16ZXZBUVdtZmRhM0NzNEQ4UnplY3NhSGNxT1F1a3NZWllFa1pDNm5QeXFiVGVxQnd0a29lWFpmSkNEeGfSAYsBQVVfeXFMUEJYd0lMbEQ4Y3JKazBldV9zNTc1QVEtZ0pZejU0cVl4ZWVXQ05kR0o2b0FWNmU1UTBPdzQtUzhkZHR2UGt3Z1ZEamZUSWRfMlQ3OVpMYkJ1VVBfbGNzNG9URTFtbERmREJFSWNUUzhQX3NIUXF4ZkUxeVJ5YnBSZ1lTVGhLN05aVjlpZw?oc=5) · vijesti.me
- 2020-11-19 [Atlas group: Terić did not make decisions on her own, the responsibility of CBCG managers should also be investigated - vijesti.me](https://news.google.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?oc=5) · vijesti.me
- 2024-05-01 [Knežević is ready to compromise: From affair to proposal for settlement with the state - vijesti.me](https://news.google.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?oc=5) · vijesti.me
- 2019-01-29 [Atlas group: Mugoša does not understand that tax is paid on the commission and not on the total turnover - vijesti.me](https://news.google.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?oc=5) · vijesti.me

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30783 (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/63.json (key "30783", 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