# CATSKILL HUDSON BANK
MONTICELLO, NY · FDIC certificate 33859 · asset band $300M-1B · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $525.7M | |
| Deposits | $448.6M | |
| Loans and leases | $424.6M | |
| Total equity | $38.4M | |
| Loans / deposits | 94.19% (p80 of band) | 81.16% |
| Liquid assets / assets | 14.57% (p15 of band) | |
| Uninsured deposits / deposits | 28.11% (p60 of band) | 25.64% |
| Brokered deposits | 18.56% | |
| Wholesale funding | 25.22% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.50% (p2 of band) | 10.35% |
| Unrealized securities loss / equity | -6.83% (p73 of band) | -15.76% |
| AOCI / equity | 1.08% (p70 of band) | |
| ROA (annualized) | -0.41% (p2 of band) | 0.97% |
| Net interest margin | 2.17% (p5 of band) | 3.42% |
| Efficiency ratio | 126.28% (p99 of band) | |
| Noncurrent loans | 0.16% (p37 of band) | 0.31% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 297.57% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 45.54% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -15.1% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | brokered >10% |  |
| 2012-03 | 0 |  | reserve under noncurrent, brokered >10% |
| 2012-06 | 2 | brokered >10%, uninsured deposits leaving |  |
| 2012-09 | 0 |  | brokered >10%, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2014-03 | 2 |  | AOCI drag >20% of equity |
| 2014-06 | 5 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-09 | 3 |  | deposits shrinking, assets shrinking |
| 2014-12 | 5 | leverage <7%, capital falling |  |
| 2015-03 | 3 |  | leverage <7%, capital falling |
| 2015-06 | 2 |  | noncurrent p90 |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 2 | leverage <7% |  |
| 2016-03 | 0 |  | charge-offs p90, leverage <7% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 1 | capital falling | expense ratio p90 |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | expense ratio p90 |  |
| 2019-12 | 1 | capital falling | expense ratio p90 |
| 2020-03 | 1 | expense ratio p90 | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | leverage <7% |  |
| 2021-03 | 3 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  | leverage <7%, charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | leverage <7% | expense ratio p90 |
| 2022-03 | 1 | expense ratio p90 | leverage <7% |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | capital falling, losing money, NIM <2.5% |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 5 | deposits shrinking, assets shrinking |  |
| 2024-12 | 7 | brokered >10%, wholesale funding >15% |  |

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

- 2024-01-11 [NY credit union eyes 1st whole-bank purchase of 2024 - Banking Dive](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOOERZSTNKUzlyanFpRDJrMlZzdVZ6aGZDMEhadExJOUlVMTFLLVNqSWJTeVJwSHJkYjBWbWpkN0Y3ZVF3RTJUekoyY21xNVNwbUd4V09BcWVYQlJIeXdSdGluTnhKbC1LNFJ4TWs0YXR3NmJUWU85OW13cFUwdm9OV2FqdnVDc2FjeGxfb184amhOY1JKNUtvNnZBWl9RSmVObnhlWnltUDFCUHY1NVhDZXlZQ3N1clEzMUdV?oc=5) · Banking Dive
- 2024-01-10 [The year's first credit union purchase of a bank is a big one - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxQcm01WDhWSHNKN1NSOEl6RmQzZXpHU2tzR2NmdlNyazhqVFFUV2UwZEc4bEFpb0RreFNWakN1TDBDZWt6ME1RS1lJNWJLczBVQWtEa2JJRE5sTGwtTl9CLWc3ckt0aWU2SnBXbXhYUXZYNXh4NnQzbWdnel9Eb3ZMSjJaT0ItYWFWRDlUUmp3dFVnZTF0ZmhCN2p3UmRQU0NOVDNHZ2xpSGZ1ZHRNRHc?oc=5) · American Banker
- 2024-01-17 [HVCU is to Acquire Catskill Hudson Bank - Hudson Valley Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV3FGYzVyUXFfa3Zzcl9zMjFpZDJZdVpMRE4xZndMZjRBOHBNaTgtREFxQ2pBempVSkVWZTdqR3ZDVkhZYVFEcE1XdUdoN0FjeHREbUFoTHlrcjFhVjk3TWZHNHItWmFLTW9vNE00VTRaLTZwb2ZlaVRETnFHdTN2LUxmQkE1RHdC?oc=5) · Hudson Valley Press
- 2024-01-22 [Hudson Valley Credit Union to Acquire Catskill Hudson Bank - Hudson Valley Magazine](https://news.google.com/rss/articles/CBMifEFVX3lxTE5KdFhQbUgzWGpCcjRJb1dPYjE4dFR6RTlHRnQtVThiaFVVTWtkbnN0bFF2a2lqRU9iODZsWktpbVhCdXc4RGU2M1hDenlNSU42bF9NY245UkxiVTh0NGpJalZxcXNNZXdLeVZVM0hTRXNuWEJKSEZVT0NsN1PSAYQBQVVfeXFMUF9VSFJpeHZlc25RUXBLTVB6ZXdJa2IzQWFvbEEtX0ZLVWRTOVJVa0EtdkRmS0FhUzUtQXFzd0hzdFB5YVF2NXBLWjNMU1VCbHo0dWtYWi1ERzExSl9PZGk0RjRXZ3FPczk5MlBPN2wxblR6b0FONFgwSnNqMTY1dUJuNDQz?oc=5) · Hudson Valley Magazine
- 2025-01-30 [Hudson Valley Credit Union to complete acquisition of bank, a first for New York - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPZlJYZVc1SlJhQmhHOTdFQTJ4WnZwdlF6YWstLXVaNGRfQW51OXA4cjVqMTB3R1M2Qk03dEtxeTQ3SG5NUTRmQXVzV3RnQWxwekdGY3lnbjlaTjFNNndST0tMX0xCMEx1dFdGRGVRZ2ZKTEd4OXJkQVZ4ZWN4UVRTODU3ODliUFYzNjZVYjNjR3dLY1NKVzNZeTRPTQ?oc=5) · The Business Journals
- 2024-01-16 [Hudson Valley Credit Union Agrees To Acquire Catskill Hudson Bank; $1.8 Million In NYS Grants to Support 27 Nonprofits Protecting Land & Recreation; Briefs - RCBJ -](https://news.google.com/rss/articles/CBMihwJBVV95cUxQSjJmUjNyczBzUHdVdnczNTFwaUVUb08yN0lZbUdRb0JuWk9GTzNLMU02RHA3YjhsSkFqaUdydGlkU1BYc0VBTWY3ZG40Z0E1MFU2RVVfUW80U2hNU2dOWHNjYXBZX1VpX2hTRnZIYXJTbjNkR3pZQVR3YzVJOFZncm5fVEprWUdnMERVSHM1bW51c012NVpyNlJDejlyOW9KS1EyR1lEN2NPVndKQk9yZEVkYkFsVldUVW1lVl9UbldSbkRBdWVKeVVPREdib0pYcGtYS0NiejVjLVZKc1BhVWZ6cGpHZ0ZBcS1OQW5zYnk3Z3FSNGVRbGNTZnd3dzJJdklPZHg1TQ?oc=5) · RCBJ -
- 2024-01-11 [Popular Credit Union Acquires 11 New York Bank Branches - hudsonvalleycountry.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQkFhdU1BQkVVNDhNWFUxRFN3TzJ3cm5BQkNmcGswLXlueG1ZRUp6M1hpQkZhZXJuQTVrdmE2UHNuWFNkNzFBSk9rbVBfcmdpUGJaV0o4QUpWckk2dE1QUm85YU1ITXVoT2NlM2xTd1B5NGotTndHeTRGVTN1TFJtTEZFMHluRFdqMXRmTnkxTFZSWFE?oc=5) · hudsonvalleycountry.com
- 2024-01-15 [Hudson Valley Credit Union acquires Catskill Hudson Bank - Times Union](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUFRGbnJBUTM2NnRQd3o1MmdwZkZoN2pjLURTdktzd2E1V1FLTEhLUldrbTRlNk1XRE13Ty1jc3RUamVfLW9oOTZjRDJwT2ZuRDRzSUlINWtOa2p0OXF0UHdBeWVjaDFpVjNrSzBfdVY4eHJGd0dQU0hfM2VIZVh4bFhVT1R6aHhMTDNPU2p2b2RONDQ?oc=5) · Times Union

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33859 (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/3.json (key "33859", 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