# PRIME BANK
ORANGE, CT · FDIC certificate 32836 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $64.3M | |
| Deposits | $48.0M | |
| Loans and leases | $23.2M | |
| Total equity | $8.5M | |
| Loans / deposits | 47.45% (p14 of band) | 75.02% |
| Liquid assets / assets | 58.96% (p89 of band) | |
| Uninsured deposits / deposits | 19.15% (p66 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.82% (p87 of band) | |
| FHLB advances / assets | 11.82% | |
| Tier 1 leverage | 15.01% (p84 of band) | 11.04% |
| Unrealized securities loss / equity | -24.27% (p1 of band) | -2.21% |
| AOCI / equity | -13.22% (p0 of band) | |
| ROA (annualized) | -0.21% (p4 of band) | 0.95% |
| Net interest margin | 2.95% (p13 of band) | 3.73% |
| Efficiency ratio | 64.32% (p33 of band) | |
| Noncurrent loans | 3.23% (p92 of band) | 0.60% |
| Net charge-offs (annualized) | -0.07% (p6 of band) | |
| Reserve coverage of noncurrent | 51.00% | |
| Real estate % of loans | 34% | |
| Construction % of loans | 4.38% (p26 of band) | |
| Auto loans | $943,000 (4.07% of loans; DQ 2.86%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -16.7% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent | uninsured deposits leaving |
| 2013-12 | 4 |  |  |
| 2014-03 | 1 |  | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 4 | charge-offs p90, deposits shrinking |  |
| 2015-12 | 5 | assets shrinking |  |
| 2016-03 | 3 |  | charge-offs p90, assets shrinking |
| 2016-06 | 2 | capital falling, NIM <2.5% | reserve under noncurrent, noncurrent p90, deposits shrinking |
| 2016-09 | 2 | reserve under noncurrent | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2017-06 | 6 | noncurrent p90, charge-offs p90, assets shrinking |  |
| 2017-09 | 4 |  | reserve under noncurrent, noncurrent p90 |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | losing money, noncurrent p90, reserve under noncurrent | charge-offs p90 |

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

- 2026-09-05 [Prime Bank joins Tk10,000cr agricultural refinance scheme - The Business Standard](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTEE5NTJNb05JLWhySnpJMmFYam5jdmU1YVFzUUlpeGQ3N3lzcmFjWWZZS3N2RUhBeG40TENHWk9uRGtCeWNod01ONWx4R3RSODlkSGNyeTQ4MElRaFRTRzlpYmdBRFlEZkp3Y2tzVkVlZGpYWDdlUmlVY2dsNWk2bmZnTW93YUpESVNyMlVWSF82dnFrMXR4YmF2VmJ4bHM3cW1DSzN6eGJiaW_SAbABQVVfeXFMTUZfX2JLTVVRd3VOOFVnaWhHdzJ4MlpfWlVRNHRabFRIRFJGM0xXakNWTnNYYXBwaGY4OFBYRGR4LU1yZ21KRzhsMDFWaXh4cnRoZlRCbGRCUnJfYVB0TmNKMFlJZVFKNEF4dWlDWjJZblpDXzRJZS1PbzhCcHRnZm55d25VOUZYUUVJbXQxTHVkbGNfMHgtQlBjRTV6VFA1N0QyZGxNa1pKTW8xcDMzMTM?oc=5) · The Business Standard
- 2026-09-07 [Edward Maloney Obituary (2026) - Branford, CT - New Haven Register - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPcy1rQWlZcklEaXZVRE0tTDlvWGxRaFpncVFwMmlyTXBMYVRGV3FSdlhabXJhbGxYVXRHdjNLUEs3bWtnNnJSazM5cm5WOHJyMGROejRSejcwUEdMWnlGdGJHN1NfSEJseGw3amdHT0kzcWh0VS1JcUVEZGRSMFktcXNfU1BtWUF2UnJlU0QwcHNUZw?oc=5) · legacy.com
- 2026-06-21 [Taibur Rahman Profile - Cricket Player Bangladesh | Stats, Records, Video - Cricinfo](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE84Q1g2M2l4QzhaaTM2WmFBRXBTVjdsTHpnYUlmVEEwZWJBQjlocG9BZDJ2VUVsbENiQk5WT0V5cGFrRW1pOFdHV01ZaGg5VFZ4R1JMS00wdFBnbXVXUGFnU1NTVWE2QWc?oc=5) · Cricinfo
- 2018-05-11 [Patriot Bank completes acquisition of Orange-based bank - Stamford Advocate](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZnZHZWdNM0MwaUFuZ0hOVXFjNVp3dUt0andiR18tbW95aFlWQjFKejRoUTJzUVhkT28ydUZVZGpjekpjSDN2NGQteWE3TGZUdTE5LUZaT3lobXhhd1RQc1hSeGY5aEY0UE52dG5BRFJuWnZQN0xBM2pUQkEzUzBZazhzLW5LZEJGaDFJVUhXTklxUVMzbmtfNlZKaEpVd284OWc?oc=5) · Stamford Advocate
- 2024-05-06 [Stamford-headquartered Patriot Bank closes branch in Orange, CT - ctinsider.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUzM4M1VVWmNub1lSWmpSOUQzaHU4YmN4ZFctckw0T0lqT0FET1FOWi1CWGxuVkRRSi1yZlE3bVcxMnYyN3VUTlJvUmNmZnBjTlZxT01tOWtacXhYTDBHdTZjOVJWNm5STkh2WE9zVEpWV0ZXOTRIWHNzdVJxb2tpa1BzdjQzLXk4d3R6eFI5X1dKeUVGQXc?oc=5) · ctinsider.com
- 2020-05-03 [TFCU to acquire Prime Bank of Edmond - The Oklahoman](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRWxnV0hvRHk0OFVCeFFhSDFNdnlnRnFkbnRQRTdyN3lsWkNNZEhBTmllOHVEYU5LeEExMFV2T3VsVHZPZnZXbFdNSlBySTR2bUxYZHNCbVhZVk9xNWVuem8xNnJ4aTZ6anlYenRJMDdidDl3aDE3Q2h4amExdHNQZXZtUElUMFlnNWtqR3NhTEs4VHgxbFVBWDhTbUhYQm9zTm5SRDN6alc4U2tFYnc?oc=5) · The Oklahoman
- 2026-06-21 [Rubel Mia Profile - Cricket Player Bangladesh | Stats, Records, Video - Cricinfo](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBlRzlYRjduSkhmR01wS0tCekRZWktGS21KV3d1bEp0TzdYWXdpTkNzaktKdDRqNmt3VjZ1bDJQWVBLcWRabktzRW84RzFmOUQzdF9MWFV0Rk5VUmpiTWVXVkFR?oc=5) · Cricinfo
- 2021-11-15 [Why this Connecticut community bank is merging with a fintech - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxPNGY1UU9RUkZtSmhCYUdqZE95WkZtT052YWVnUG10NFo5QTRuYW1SaFR3YU9tcC0xU1lsbV9TVmZwamEtRVhucEpacjU0ajM1UjV3RDRSR1Fsa2VqWXloQy1BVWlBb2Y4TzJWWE1zaE9aQWZ5Q0JBZmFyT0F3NXpuZVJuWlFFLXBjang1TVk3NTVyMWJYTkhCeXdCUFVPUQ?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32836 (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/4.json (key "32836", 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