# NORTH PENN BANK
SCRANTON, PA · FDIC certificate 31188 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $164.6M | |
| Deposits | $137.8M | |
| Loans and leases | $122.2M | |
| Total equity | $18.1M | |
| Loans / deposits | 87.50% (p83 of band) | 70.88% |
| Liquid assets / assets | 20.86% (p20 of band) | |
| Uninsured deposits / deposits | 10.39% (p63 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.34% (p59 of band) | |
| FHLB advances / assets | 4.34% | |
| Tier 1 leverage | 10.81% (p65 of band) | 9.71% |
| Unrealized securities loss / equity | 2.18% (p66 of band) | 0.79% |
| AOCI / equity | 0.81% (p81 of band) | |
| ROA (annualized) | 0.56% (p43 of band) | 0.66% |
| Net interest margin | 3.57% (p37 of band) | 3.79% |
| Efficiency ratio | 73.32% (p48 of band) | |
| Noncurrent loans | 1.53% (p50 of band) | 1.53% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 84.04% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 1.32% (p18 of band) | |
| Auto loans | $2.0M (1.63% of loans; DQ 5.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 38 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |

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

- 2024-10-28 [Evelyn Lewis Obituary - Scranton, PA - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMie0FVX3lxTFBvdndleFdicjAwZ0s2MnhhbVNJTmlkYWZyaElRMGNjM05JU0hDS0xkUDdTSWdvd2hJeFlIMTk4WWlFUEZBNHBiNzBtdktJei1CV1FzeEFITGp1aFktZlc3N1o0bXljcjF3U2NHazZ3bF9FZjZhdjdrSkJLaw?oc=5) · Scranton Times-Tribune
- 2010-05-23 [Matthew J. Lamont - The Standard-Speaker](https://news.google.com/rss/articles/CBMibEFVX3lxTFB3TmlNZkplaHlKX1VjWkZXcEZva05mdW5ZTlVMRXRVX1U2akxWQi1LYTRZSG5zZ0dPSDVRVjhOZ2RkYW9Kc1lTMTNHUUVfNFlPaVU3ZlpveUs0ZXZVNW92NERKTlRpVk13T0R4Qg?oc=5) · The Standard-Speaker
- 2025-04-25 [Betty Jane Steinmetz - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPVEdGdU40SGMxN0NtU01BRG5lUzN0RVFpWnFlbC1ZSmhzbmNyZTRheVMwZWN3bFBEUE5vN25WSHRjYl96Q1FwRGpocGxDNVBWWTlRS2l0NWVzTk5jUmd2OV9nc3p2ZWxsRFlwa05Fb2xLVkxmTFdGOXZ6Mm9wZktodUpUaVpxM1Z2dWZz?oc=5) · Scranton Times-Tribune
- 2025-04-27 [Gordon Florey Obituary - Scranton, PA - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTE96c0ZNc1JIYzEwLWJvNGFLY3FVTFJzT2VXdUhEcEV4aC1YVURKN3dVbldiaWg5R0x2WFZDY1VaUm5va0xscDVSN3hCWC04VElPaUFOV1hxZU1JdEFENkFtTFkwSno4OHZGMjE1WDBLUUxfTmREWDdZN05EM0o?oc=5) · Scranton Times-Tribune
- 2011-10-31 [Convicted bank robber charged with Moosic robbery - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxPcTNUSWFNeVZnZXNYbHAtSDBya3Y2bUxsWGZRbmN3ZktRVmVBYnFEUGRQQ2s4SUFXQ1daTGdVLTBZZnRZeUpKQTdaTVZreGZOczAzY1lZYTZYQmxEdWhaSjhibVJraExjeVdQdEszNGRrMjRZUzdiTnFJcXFJTVhJTjZua3oxWkI0V09WcnU4ZHNBQ01faGxWZ2Jn?oc=5) · Scranton Times-Tribune
- 2016-04-22 [1990s: Development and fiscal decline - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMFF4SzNXYnVfQXBsWEtER3NEWHAwN1NEeFFULV9weTZkZkVWMlRHcmtCREVWcElKcEZVZ0JkVHJuMElaaWdHdVppcTZOVDlmeFM1NHBIMUZBLW5OVXI2eFhsMWV6aVBPN1loLW1STE45dEtWelJMZUZGQmN4VXNxMmtYNGI5VFlP?oc=5) · Scranton Times-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31188 (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/20.json (key "31188", 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