# NEW YORK COMMERCIAL BANK
WESTBURY, NY · FDIC certificate 32749 · asset band $1-10B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $3.45B | |
| Deposits | $2.80B | |
| Loans and leases | $2.82B | |
| Total equity | $610.7M | |
| Loans / deposits | 99.80% (p78 of band) | 90.76% |
| Liquid assets / assets | 8.41% (p4 of band) | |
| Uninsured deposits / deposits | 61.07% (p96 of band) | 26.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.77% (p14 of band) | |
| FHLB advances / assets | 0.72% | |
| Tier 1 leverage | 12.34% (p84 of band) | 10.18% |
| Unrealized securities loss / equity | -0.73% (p85 of band) | -3.35% |
| AOCI / equity | -0.85% (p69 of band) | |
| ROA (annualized) | 0.36% (p4 of band) | 1.18% |
| Net interest margin | 2.86% (p12 of band) | 3.63% |
| Efficiency ratio | 66.35% (p66 of band) | |
| Noncurrent loans | 1.60% (p90 of band) | 0.48% |
| Net charge-offs (annualized) | 0.45% (p96 of band) | |
| Reserve coverage of noncurrent | 55.69% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 0.44% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 183 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **liquid assets <10%** (`liq_thin`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | assets shrinking |  |
| 2012-09 | 2 | wholesale funding >15% | assets shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling, charge-offs p90 | wholesale funding >15% |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | uninsured deposits >50% |  |
| 2014-03 | 1 |  | uninsured deposits >50% |
| 2014-06 | 3 | uninsured deposits >50%, capital falling |  |
| 2014-09 | 4 | wholesale funding >15% |  |
| 2014-12 | 4 | loans exceed deposits | uninsured deposits >50% |
| 2015-03 | 4 | uninsured deposits >50% | reserve under noncurrent |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | assets shrinking | uninsured deposits >50% |
| 2016-03 | 6 | uninsured deposits >50%, run vulnerability, deposits shrinking |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 5 |  | deposits shrinking |
| 2016-12 | 5 | reserve under noncurrent | wholesale funding >15% |
| 2017-03 | 5 | charge-offs p90 | loans exceed deposits |
| 2017-06 | 6 | noncurrent p90 |  |
| 2017-09 | 7 | losing money |  |
| 2017-12 | 5 |  | assets shrinking, run vulnerability |
| 2018-03 | 5 | run vulnerability | losing money |
| 2018-06 | 6 | assets shrinking |  |
| 2018-09 | 6 | liquid assets <10% | assets shrinking |

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

- 2012-02-27 [SL Green Closes Acquisition of 10 East 53rd Street - SL Green](https://news.google.com/rss/articles/CBMie0FVX3lxTE12eFZYSnQtSFhya25vLW43ZlBJcnBmY3RrQVlyVG9HZTRmN3NJbXd3TnZpcFZ2YW5nSFZjdE9GWmVMRzE4d0o1QVpNTl81N0Y2cWk4SGh6bjItdDZldVZKNEhaRjBGeXFSbE5GaXBRRlQwQU1XMHRuS3BCSQ?oc=5) · SL Green
- 2019-05-19 [‘They Were Conned’: How Reckless Loans Devastated a Generation of Taxi Drivers (Published 2019) - The New York Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxNZVBJc2t0d3hOcTVCWjdTNlpNMzRCdGxST3BBUk1lLXJlNFlSSERzU0xPbk93NnIxOUNrenltdnhVa1VzQ1BxVGZMQ1VoU041NVk3U1dzU3pITERQaEhQT2c5eWZ3bUNwSlc1RlE3Qkx2RVc5bktHV2pSRXNhY3lyeHJQb2M?oc=5) · The New York Times
- 2026-07-28 [Peapack Private appoints Kotronis as senior managing director, commercial real estate - New York Real Estate Journal](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE9sempNR1M5aWg2NTdPaEtoZ2NKdEhnRkxtdnU1T3NuMDhhRGc1OS1GYWoyRWJNWWg0SEh2M1N2MDBDdWc?oc=5) · New York Real Estate Journal
- 2013-11-14 [Police: Lake Ronkonkoma Bank Robbery Suspect Arrested - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYUdMQmx6WVdTekI4RTNJMldvMVdVTGpxUkNUY3NVazVZR2NENDFuSTh1cXQweW9sWVdVT2YtS0wxWUx0WFFCSDZwYjhXaGR1cEpYTWE2TmN6emZsQ09iU085cXR1UWdLV29sUThCZ0FweDJIaHhCaTdBMGFKWnRIczNDbmdhM01nX2N5Y3QxWQ?oc=5) · Patch
- 2023-03-12 [Explaining the Signature Bank Collapse and Crypto Impact - CoinMarketCap](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOF95TWpvMUlNVGNuQnZNZmlkaHRib1dqQVpnQUdZWW50WURGSXN5d1ZtRVFYdDJsUEJPVHA5T0JHbVNZdm1SeTNuM0lLN1phbkdNUG5KQXR5QUIwT3hDY0NPZnZnSHdQYWREbk5Nc2IzUXozQ20wWnUtVjRBQVB5TkNzZHhFNE1jdzVNeHIzRnBHWDN3eU1TM3paYmN5UnM?oc=5) · CoinMarketCap
- 2022-07-21 [Atlantic Bank of NY: Serving Greek Americans for Almost a Century - greekreporter.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPRzdId2hiaWFKVVVGYzNuSXg1WE4wQld0ZzNidXZhZXh3cmo3b2JwMmFHdnh3SHZrTUhNUm05bmlBVktkU1FYSmZqN2pDZnVQWjJFalh1LWpxWVBHUWdyeWNoQW9zNFhfVk1yTlAtbUx3eTBocjMzdUVLNmtLWlRhUQ?oc=5) · greekreporter.com
- 2013-11-14 [Deer Park Man Charged in 4 Bank Robberies - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxONkdKSS1Pbmo5NmVENzhoYk9makpCRGU0Mkp6U3gtVjJCNmxzZEdONXV1WHpUNGduRWZ2aGlhV0gxbGVHVnNzZ2F0OUhXaEkzTWt2NFg1dlNGOUxuOTZ4Mkx6QWZvVmRWbm1YbTFlVjA4emNsNDY4QXdzeTMwUUY5WXJwdFdHbUkzWW41Mm5jMWJVV21t?oc=5) · Patch
- 2018-03-17 [BELGIUM BORROWS TO BOLSTER CONGO (Published 1964) - The New York Times](https://news.google.com/rss/articles/CBMifEFVX3lxTE9SSXk2UGlCWmxoMDRwOG84SkZadE82SHUwcFF5QnFFa1I2SXRtelU3QnVYa2RkNWVBX3Y2N2dLaXN2VmlXdm12cWoyWmZheTBCbjhVYzRqV2pzZWFGX2N6YXRqTm10WDdTWVFUcVZleGM2Vjd3aHVOanhwVVI?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32749 (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/45.json (key "32749", 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