# SKYLANDS COMMUNITY BANK
CHESTER, NJ · FDIC certificate 33141 · asset band $1-10B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $1.35B | |
| Deposits | $1.11B | |
| Loans and leases | $922.0M | |
| Total equity | $179.9M | |
| Loans / deposits | 80.44% (p55 of band) | 78.45% |
| Liquid assets / assets | 24.90% (p38 of band) | |
| Uninsured deposits / deposits | 21.74% (p63 of band) | 17.60% |
| Brokered deposits | 0.91% | |
| Wholesale funding | 4.28% (p26 of band) | |
| FHLB advances / assets | 0.74% | |
| Tier 1 leverage | 8.10% (p19 of band) | 9.43% |
| Unrealized securities loss / equity | 4.04% (p50 of band) | 4.11% |
| AOCI / equity | 1.86% (p58 of band) | |
| ROA (annualized) | -0.04% (p11 of band) | 0.76% |
| Net interest margin | 4.16% (p78 of band) | 3.68% |
| Efficiency ratio | 53.33% (p22 of band) | |
| Noncurrent loans | 2.99% (p60 of band) | 2.39% |
| Net charge-offs (annualized) | 0.83% (p74 of band) | |
| Reserve coverage of noncurrent | 98.85% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 23.02% (p35 of band) | |
| Auto loans | $12.3M (1.33% of loans; DQ 3.97%, NCO 0.00%) | |
| Loans to nondepository financials | $35,000 (0% of equity) (p80 of band) | |
| Deposits YoY | – | |
| Employees | 197 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | losing money |  |

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

- 2011-08-04 [The Bank will be getting a new name under Fulton Financial merger of its two New Jersey bank groups - NJ.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1zT0gxbFFGMzBsVk15eFhMZVdMYy1XMTg4NGRPb0ROanc0Um9PVFUxLUxLaHJvU2NZOWtKazBFVTB4dVJ0eW1EYm10cjdkQmoyYVRJdDRteVZqaTlBQnFtNXQwZ2txSkx5dnZXRERtVHJOeThMZm0w?oc=5) · NJ.com
- 2016-04-22 [Kathryn Rosa joins Highlands State Bank as senior V.P. - Bergen Record](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNYlFSRmdhSFdZSlhjVTFOMWpBRGQ5TGpQd2pBYXZkZE1wLXBCOFV3QWhvVE94U2F2M2dDMGRSa3dsOWY0MXowZEViZTBwQWNTMzh0X1pxbG9DUWpaYlhZS3VIbDl5RzBtNDJfdFFUX096aWlZUE5IdkhSendkS1FjQTkxWDlZRGVUQW1IU2hEZUI0X3F4Y3hULWdJbWQ5UENKNnFuSmxQYkZOSlZPVVEtQTB5bGhGV2c0amtN?oc=5) · Bergen Record
- 2022-04-06 [Edward George Poolas Obituary - Morris County NJ News | Daily Record](https://news.google.com/rss/articles/CBMiXEFVX3lxTE00QjhGOWFLUVV4YTV1bUhhZUhBQVRwcko4Rlg2TjVOZkZia3daSmRXYlk4NW5WOUEwRE9wdnhIakFCY3FBSHEzSzBWdEJPbkJpUVp5WFdmWno0Sk1t?oc=5) · Morris County NJ News | Daily Record
- 2013-06-26 [James Cochran Obituary (2013) - 83, Hackettstown, NJ - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQWUFfeDd1ZEZYYkNCT3RNY3dId2dwZHhlRzJMZWs3NTJFVTdXYXY3eFF3T29JVklSUVQzZEFra1hNWVQ4cDhHNXdNTnJjM0xaNUdvQ2N4VmowN0diTHFnOTRwVlZmWXQzejB6emxlOG1GblJpOG9iTFVxMHFYb0ZLYXE5NmgxaVBYa2I3MnN2QloycGdScHFYRw?oc=5) · Lehighvalleylive.com
- 2020-04-08 [Norman Baron - New Jersey Jewish News](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBfcnNnTF9xUXVpdmp0dm5oVThjY0taX2lORzltVFRaVWkxWUd4NmlqVEZFbVlwTC1EQ0dUMnNFVjFCaWFZWldKc0EtZTFxMmRROTQ1ejc5NEo4ZUdaVmxob2N30gFnQVVfeXFMUHMwTm02LUU4V1I3MHpnTFpKT0RrTUtUXzBLMnV3dy1OQlRkZGJkbUxvYUpEX3lkUllDOXRkdUpOUXdVb1dlLXhtdGVvQVBlNUJybDQxWFhtQmtFUlJaeFFnbWVMeHYybw?oc=5) · New Jersey Jewish News
- 2010-09-12 [Q&A with Lake Hopatcong Rotary Club's New President - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxPSWY5R2d3MWtCZXBicmZVdE9McHVtX0QwczdvLWhUVEVyOHVUZUFFU2wwTDJ0ZmVwMllnOFpqMjg2c01fWWNoN0g5LW02MWU0dkZrNU5VMW1JNXFlYlpoMVExMWpLMEp3dy03b0ctdzg5NnlWY1pOSE9uN3B3OWFLRFY5Unl2Y0dmakU5TTI2U1g4NndQMms1NUhCYw?oc=5) · Patch
- 2011-01-26 [Roxbury bank robbery suspect waives extradition, held at Morris County jail - NJ.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5oZnU1LWJkZUVkTU8yM21ZeWNIMWEtZWJ4dk1CMXp6MkRxZHFjdVJOcHZTWEJDN2tBTjhRektyUWlCYTNNNGNoZlhKdHRSbUp1Mm9jamh6YWh2ZnhEel9GaUlqSTM5MmNKb015cDVacHFFMkpmZEE?oc=5) · NJ.com
- 2011-01-14 [Randolph man charged with robbing Roxbury bank is arrested in North Carolina - NJ.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5idElPZnFEY24wVkhWazktN29fckxMQW5QcHMtQVl6WUJ1Q3JuUG56SnpxSFZDa2ZKT2w0amM1Zy1kSEhqZkRodmFXSlU3V0p3c2ZudnFleURkWThzb04tWFltSWg0bUhsLUJNRUdsc3gxay1UUFE?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33141 (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 "33141", 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