# DOLLAR BANK FSB
PITTSBURGH, PA · FDIC certificate 32245 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $12.70B | |
| Deposits | $10.01B | |
| Loans and leases | $9.91B | |
| Total equity | $1.31B | |
| Loans / deposits | 97.99% (p87 of band) | 85.78% |
| Liquid assets / assets | 16.95% (p25 of band) | |
| Uninsured deposits / deposits | 28.83% (p27 of band) | 38.39% |
| Brokered deposits | 2.02% | |
| Wholesale funding | 11.23% (p68 of band) | |
| FHLB advances / assets | 8.92% | |
| Tier 1 leverage | 11.05% (p74 of band) | 10.17% |
| Unrealized securities loss / equity | -12.41% (p26 of band) | -7.43% |
| AOCI / equity | -0.61% (p31 of band) | |
| ROA (annualized) | 0.61% (p14 of band) | 1.24% |
| Net interest margin | 3.23% (p32 of band) | 3.57% |
| Efficiency ratio | 72.71% (p92 of band) | |
| Noncurrent loans | 0.72% (p56 of band) | 0.66% |
| Net charge-offs (annualized) | 0.07% (p47 of band) | |
| Reserve coverage of noncurrent | 134.84% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 46.32% (p72 of band) | |
| Auto loans | $9.6M (0.10% of loans; DQ 2.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 1501 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 3 | loans exceed deposits |  |
| 2012-09 | 1 |  | capital falling, reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent | loans exceed deposits |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | expense ratio p90 |  |
| 2017-06 | 2 | capital falling | expense ratio p90 |
| 2017-09 | 2 | wholesale funding >15% | capital falling |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | wholesale funding >15% |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | capital falling | wholesale funding >15% |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | reserve under noncurrent |
| 2022-06 | 0 |  | expense ratio p90 |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | reserve under noncurrent |  |
| 2023-09 | 4 | capital falling, securities losses >30% of equity |  |
| 2023-12 | 1 |  | reserve under noncurrent, capital falling, securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | capital falling, reserve under noncurrent |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 1 |  | reserve under noncurrent |

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

- 2026-08-13 [Court Finds Financial Institution Tax Constitutional, Denies Refund - Court News Ohio (.gov)](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1xY3N0bmJQcTRyazBKQmRtS2RoYkVDX1ZtMnZGMUZ4VHE3TTBwZGIyQXQzR0ZSTGJWTjNFWXlNcGllbE5PYnNYRlJtMXgyWjhsRElnTUk4TVF0YlZ2Uk9iQVhFQ1lzZTQ?oc=5) · Court News Ohio (.gov)
- 2022-05-31 [Dollar Bank, Pa. Customer Dispute Duty To Flag $4.3M Scam - Law360](https://news.google.com/rss/articles/CBMimgFBVV95cUxQenFfTnYtM1pIMDhIQmV4cXFlVWUwOEJQZWxTbnNjbGZrd1NJalR6eWpuRXpYT2E2MVhKZV9wZFl5aW8zUTZZbzFmUVZPMm4wSkhOV3FWSlpGX3FJN0tCNE9VQmlTRGlKbWxocGJTdl9ySERjNVNpNXhnMjRQS0lSZ1Rqd0Exam0tV1lfdGxoSGNsUVZmRHRuM3BB0gFWQVVfeXFMTTQ5M0ZFSUo2Y2RQUEZxN1JKQ3Nqcnl4X1lseWVrTHNUREg3VWw0UjJtQUd6WHNmdl85aVhOX1NIejN2VWpuTEtLOWtfWGZsdXZMQWgwMVE?oc=5) · Law360
- 2025-05-02 [Dollar Bank class action alleges bank failed to protect private info inherited in merger - Top Class Actions](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPVWFBbllaZE15VWZkelpVd0RFcVJyekljbHhoQUlGcHFXTVZ6QXZRU0pwVHlRVDRnc2FYR3NPeDhJVm14WHpWZHlPbUtxd3A1SFdORWpwMW15azNieTlLMVY4MjFmdnBoVG50RFVKakVTWWY3Q1A4NjJEUmhBeUhCZVNRX1VybFdkR1pRdmZnTnBxbUpjbDY4ZC1DUXk5Zkk3RFFxUFFqVzk5Q1p0TnNPVlJ5Z3NTM2cxbjJ4a1Q0eHhHM2NLdU96MGg5Q0VCU0Z5Z09IeWRqbldjRXZYWk1aMGRzcmI?oc=5) · Top Class Actions
- 2024-12-18 [PNC is once again the dominant player on 2024 banks list - Pittsburgh Business Times - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQUFlEVENMSDBBYlRya2dyaXVCMmtsaHIzUmdLTXk5ZWZYYmJyQmNLOUxuQXlHbXphdjA5bXBNcWpmSGJpUHBQT1FOaDIxODNOUlg3dFFnaVZ4aVRnbVRITF9jb05ZcTdRUU00MFB0cndqSjh4SG1zdEVjU2JPSUx0RkhWZzZCZw?oc=5) · The Business Journals
- 2023-11-14 [Dollar Bank class action claims data breach affected 13K+ current, former customers - Top Class Actions](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPVVFrS3hZQkhrWVVKYk9wNUN0VERGZEoyejhWTXpYOXo3NjdVRk05Rmt3ejBqYmxibHk2d1lUMlhYSGUzR29LV2JwN280UTNWSl9oU0M1dzY3WHRIQXRGaWY3dVZQTHhlUUZVejJMWnFJQ3l4cGNTVXd6UEpKWnNUY1Z1Q09mcHpvZVN0aXJqZWU5Zy1GUkMxT3dmZjFpOVFGTGFXVUhYMWQ5QTgxNXBKNEVqdlB2M0JEN0ZORkxtWEJEWDFGVnVtelo3amMxZjNDQjdkbWxZNVBxUHMtUGlSSU4xejg?oc=5) · Top Class Actions
- 2025-04-08 [Best Banks and Credit Unions in Pennsylvania 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb3FrcHROSHpxSl9DSnI5Nk1vNFpIOXlxV1liN3FuU05SZ245cmRERTRDQ0RYbGlUMldiclhKcUhIZEZSOF9BSkhuSTNsbVYyR09vS0ZqMWZZLWxIdTZXSzlFdmVhVzBtbnpfQ1JaRFNoWlFJZzA1YnpOekRYckxoY0hxdVJ3YXk5WVJId3RxRkZHOFRH?oc=5) · Newsweek Rankings
- 2022-04-29 [Sheriff Sale: Beaver County - Beaver County Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxPRHZsN2FqU2NBeW1hMjVCdUJYV3NhRUdlNUszN2h6QTlnSUc3WG51cDRmSFRSdWlsT1I3OXd1d25SRmxOMHJDaVJZcllqb1FFTTRJajlOMElfVndJWnFHY0l3bGFRVi1UajRkMG5OVXhXN0ZYQzRZNnlLMWNMM3EweHhtZWFzT2p2MkFsdDdQcE9XN0JSdlh6Sk1aY25ObENuZmg3bjlKZXFwZU1S?oc=5) · Beaver County Times
- 2021-01-05 [2021 People to Know in Banking - The Business Journals](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRzVCNktGREhUVzFyOF8yNEdPNm9OVTZvUGtNVUdfeC01bkVfQ2dEZTlDSzdwb21xUU5ibXdRWDh4dnNKSXZlNlJvQkZ4QXpQXzFDTXZaQ1RwWU9SdzkxM21rTTlENHNJR2s5YkRFdUVTbHhZQjJYQURQcG9TSDR4enp3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32245 (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/53.json (key "32245", 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