# ROEBLING BANK
ROEBLING, NJ · FDIC certificate 31419 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $148.6M | |
| Deposits | $129.3M | |
| Loans and leases | $103.0M | |
| Total equity | $14.6M | |
| Loans / deposits | 78.70% (p70 of band) | 68.67% |
| Liquid assets / assets | 27.72% (p33 of band) | |
| Uninsured deposits / deposits | 6.47% (p23 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.10% (p53 of band) | |
| FHLB advances / assets | 2.02% | |
| Tier 1 leverage | 9.57% (p39 of band) | 10.18% |
| Unrealized securities loss / equity | 1.20% (p78 of band) | -0.21% |
| AOCI / equity | -4.60% (p35 of band) | |
| ROA (annualized) | 0.24% (p17 of band) | 0.77% |
| Net interest margin | 3.23% (p31 of band) | 3.59% |
| Efficiency ratio | 90.13% (p82 of band) | |
| Noncurrent loans | 1.28% (p53 of band) | 1.13% |
| Net charge-offs (annualized) | -0.10% (p4 of band) | |
| Reserve coverage of noncurrent | 91.97% | |
| 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 | -6.0% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | expense ratio p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 1 |  | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2013-09-12 [Florence police arrest 2 in Roebling Bank heist - burlingtoncountytimes.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZTFHR0lMaXoxa2EyN3VZdnVEMDJoYW8zcElwUmk1b3pjNlppS0ZXVHBtamdvTXd3bElGQzBNajNrekZfNDlVMFlrRlNPUHZqakQ2UEpfU2Z3X1VqVE9wQU9HNFd1aTU1Y282UllZdE9wODBPTkh4RktleVhtQlBKTlVGdFh0SlVoUE9HSGp4cU5LRlg0UTE3Y1VZR2EwM2JtczdIaGVYb0YzZw?oc=5) · burlingtoncountytimes.com
- 2014-10-27 [3rd Fed becomes National Penn on Monday morning - PhillyBurbs](https://news.google.com/rss/articles/CBMirAFBVV95cUxOSGNXRlZvV2FTOWEyUmpKc19QOGF4ZnlFN2I4UFNZZkljaUhLLWdPQVc2MDc2aURZcU5XYnJwbnVwakppUlM4aWhvTEZKclFPYm1DelVfandoYUlpOHhXaEYwejRBZ29adGZ2VENrN2VzeFNoWGdHZWo3VE16NnVTMnkwd0dpUnF0UGh5cmppalFtelBBUk9ZVEZiQ3duVW9RS2k0Y0NNSDlYTzVT?oc=5) · PhillyBurbs
- 2009-07-31 [Robert Davis Obituary (2009) - Trenton, NJ - The Times of Trenton - NJ.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMGduVTVmVGVYWVNQRXZld0VOeXBBdXJzSUZWeS1pUU9ZVTM1NnItVmt5WWY2MVpUNkxSMEJBUlllcUU3T09Ubnp4TXJlQmhsV0otZGhnRzV6aWFzV0N6VzBSNVlIbFkya0c3cURua1N1TDNROEhqMUtMZXN0VEpaNEtvOGRqbVRC?oc=5) · NJ.com
- 2013-08-13 [James Robbins Obituary (2013) - New Egypt, NJ - Tilghman Funeral Home - New Egypt - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcWpQeUZqRTZYNmNLeXI4RHpST0ZhSFQwMExiYmx1MFZCb0gxal92N2hXRzlVYllBUmZpQ2tVSE5pcUhBQ3E2SHR5NzVSTEtrU083UERmbnJaNjU5bWVLMEtibzgtX3pNVnBvMmYzVEtGUFh1WnpXOFFwRVdWS3A2TzFVa1ZWa0l5UTUzbDEzWFp1YnB3MlE?oc=5) · The Columbian Recent Obituaries
- 2005-07-27 [Margie Meredith Obituary (2005) - Trenton, NJ - The Times of Trenton - NJ.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZUVva1dna3NpNXRkbmkycXlyaGhzMldFaEFhNHVLUUhqV0lRY2QtU1ZGME8wc2x5RFZrMl80ZUxWYW1JbFlyeWVEZkJBcGo1eFM1a0ZLdXJVRE9XVHd1UkxpYVNkbVlhajBSdXZIRENNRGFLWDdVcERLU0ZQVXplWnlZQU1nZnBVcy1hVw?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31419 (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/59.json (key "31419", 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