# ACACIA FEDERAL SAVINGS BANK
FALLS CHURCH, VA · FDIC certificate 32266 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $585.7M | |
| Deposits | $456.9M | |
| Loans and leases | $406.8M | |
| Total equity | $122.9M | |
| Loans / deposits | 87.97% (p75 of band) | 77.22% |
| Liquid assets / assets | 28.82% (p49 of band) | |
| Uninsured deposits / deposits | 7.78% (p12 of band) | 17.49% |
| Brokered deposits | 9.33% | |
| Wholesale funding | 10.09% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.47% (p99 of band) | 9.97% |
| Unrealized securities loss / equity | 0.33% (p71 of band) | -0.65% |
| AOCI / equity | 0.03% (p97 of band) | |
| ROA (annualized) | 0.62% (p32 of band) | 0.83% |
| Net interest margin | 1.80% (p2 of band) | 3.56% |
| Efficiency ratio | 84.68% (p85 of band) | |
| Noncurrent loans | 1.50% (p56 of band) | 1.31% |
| Net charge-offs (annualized) | 0.05% (p37 of band) | |
| Reserve coverage of noncurrent | 79.78% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $40,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -31.8% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **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 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 9 | losing money, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 11 | liquid assets <10%, capital falling |  |
| 2012-09 | 7 |  | losing money, charge-offs p90, deposits shrinking, capital falling |
| 2012-12 | 5 | losing money, expense ratio p90 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, liquid assets <10% |
| 2013-03 | 5 | deposits shrinking | losing money |
| 2013-06 | 5 | reserve under noncurrent | brokered >10% |
| 2013-09 | 5 | uninsured deposits leaving | expense ratio p90 |

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

- 2025-06-13 [Best and Worst States for Banking - moneyrates.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPQk0tVElpZW5OekhTZnIyZHlDZFZNbmRLR3dpQmstVkNacnU0MXA5MGhwWlFzSnl0YUFNOXBHOG5ySVp4RnROeVRnX1d0V0FTSTdGNG9EWnI1VXYySG9ZeVdIMXU0MVdIdjZjVHc2ZnNMazUzSVg0WE1TRUlzYUlqb250MU5lUmc?oc=5) · moneyrates.com
- 2016-05-24 [Customers Bank returns to No. 1 on Greater Reading Chamber of Commerce & Industry Top Businesses list - Reading Eagle](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPNG4ydGxMeURtMUdyeFYyVnRnOWJzbG5reC1RcmFnb0x1aXFYZHo1Wk1PRWtvVmFTOWNhRER0X1gyUjJKNm16bE1PWXRDSm51RjQ3ZmpxNFRzNkYyR090aW95Z1ZwVE5NRWJuaFFiR2x5UC1TczdNWHpPYjl2NDJrSkpYbjEweFdYMllDbW1kZUwwcnc4SVFWeEFqRmhuWkJlZTh6c3JVNVFaUFNBTm1VSUx3dldKMllXRy0tNklEd3YtMGVQSlV6dEFMRFozekpWdEw3ekpR?oc=5) · Reading Eagle
- 1995-03-18 [3 DEGREES OF SEPARATION FROM CLINTON - The Washington Post](https://news.google.com/rss/articles/CBMiygFBVV95cUxPNmpjUVpJN2M4aGFyOGI3bWxiQUFhekpqeGp3aTRoN3pJejNvMlpoY2JaU2FwcUFDMHgzTXVmaVJaLWpRZUxvWUxJOE51cUwtYjdjZVBIQnRoOUhSclFZY3ViNVBsbUxrYzhRWUl2Z0VSdGJ6MU0tVGlTY3h3aE5ubW10Z0hQWENNb2tOSVJYaGZCZGFqNWcxVzBEdEl5ZlJjbG42RHIxZnRBYzI1OTFnRjJaTVFobzlEZDNiaHh1UWlTQU9MblNLODhn?oc=5) · The Washington Post
- 2023-01-07 [James Coyne Obituary (1949 - 2023) - Ashland, PA - Republican & Herald - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWnhBaDNDX2RjT3BZdzAzTUI5dDRIRE82NDJSaEl3MUFVelZWT0VzYnU2Zkt2bEJ6VGdRU0VvQ3JWZmQ3akg3djMwRm8zV2RMU2xwLUx3aGFqNXpMQzFJQl9zMDFFaWlmOEpjMVNYYVFOQWV6X1ByeURHVE96V2c5emN5d3NibTdSNy1OSm9R?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32266 (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 "32266", 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