# LUSITANIA SAVINGS BANK
NEWARK, NJ · FDIC certificate 34058 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $418.1M | |
| Deposits | $353.5M | |
| Loans and leases | $228.7M | |
| Total equity | $60.0M | |
| Loans / deposits | 63.95% (p17 of band) | 82.04% |
| Liquid assets / assets | 40.48% (p83 of band) | |
| Uninsured deposits / deposits | 7.33% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.97% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | -14.12% (p34 of band) | -8.10% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 0.48% (p11 of band) | 1.28% |
| Net interest margin | 2.42% (p3 of band) | 3.91% |
| Efficiency ratio | 72.59% (p79 of band) | |
| Noncurrent loans | 0.19% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 625.47% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.13% (p3 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 | 6.7% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent | securities losses >30% of equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 1 | capital falling | charge-offs p90 |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 | capital falling | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 | securities losses >30% of equity | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | securities losses >30% of equity |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 3 | securities losses >30% of equity, deposits shrinking |  |
| 2023-12 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

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

- 2025-04-10 [Lusitania Savings Bank’s Jorge Gomes named second vice chair of NJBankers board - ROI-NJ](https://news.google.com/rss/articles/CBMivgFBVV95cUxOT3VDMlRlcWlOQ2RMNmhjQjhUdGN6d1pyc3p5RVRYMkw2U2pYLWMtc3J1R0RsMFMzdUM5X1YzOEdRMGhCaDVES05yekppbW9UOERjaDkxNE0tRlM4blY4VFhXa3FtcXlwNDJsUlphc0hISERsNXNCWk5odWVLNFFFQ29kTGphUTByZ1JwZFVrTUZqTkRYc1VXN3QtWWZPZzd6WWZBZDFaclQ3QVIzamdvdDlwa3MzMktqTkV2Y2J3?oc=5) · ROI-NJ
- 2026-03-06 [NJBIZ unveils 2026 Leaders in Finance honorees - NJBIZ](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1MVlNVd0dXbG14UzA0Q0FqWTZIbTRPT1g1UzBmZVZVa0dGcmpaN1RHT3Z1d0VGUVY2dUZzYWtWZGtsRGgzMjN2d2lfdjBfcHp0TFdKcENIQ096RUQ4R05TcjVhbUdEek1E?oc=5) · NJBIZ
- 2026-09-09 [NJBankers installs new officers on its board of directors for 2026-27 - ROI-NJ](https://news.google.com/rss/articles/CBMisgFBVV95cUxOQnZuX0NnUUhyVkhENmVKVEp5VXpfV2tvbkhZWlJqdm45dzF0QjBUNmdJLU44TmpMSER2UGhzMHo0ZGNWZWZ1UXdwWGZZZHhfR0RvbGZfMTJqR2FqWDk1LVlYSmJmSjVWWXdSQzlBTmkxWHJBeGlNc0lzWG9FMWhKZmJCXzBOT1JsSmx2WDNGMDRwcDFUMzdySHJaelVyTl9tTTdWRkJ3cm94MmJGUzQzcWR3?oc=5) · ROI-NJ
- 2013-09-12 [Clark Bank Robber Nabbed After Months-Long Spree, U.S. Attorney Says - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQRVZLSkhIQWFpdTctZVJ1VFc4Mmh5TEUwcVZISi1QdHRWYTI5V0JrZm5abUVOR0FuWG9fTUt1QkRUWEZnakd0VVJtM0FONE85Q29iZU43Y2dOYlIxbHBzOTVBU1BNNU9YMkRWUk55cVp0RWQ0YmlkOXVYYmtPZGFkYW9qRThqc3QyTnBQYzZlS1UtN2JPWm1MejdGQTh5aEdj?oc=5) · Patch
- 2013-09-14 [Saddle Brook special police officer charged in boyfriend’s NJ bank robbery spree - DailyVoice.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNajdwS3JlZnpfSjMteTFyT2N5RlFRa0ZJZjc2UExobEJob2ZLcV83OFdsTXRzd2s3aFNFcWd1MzJsS01fM0RITXJFT2ZPVFNlRG5zT1R1UzUzNzV6djAwRThkWXJ0RkVTRDhpSl9QSURRQVpWSjZ2TGMycThoa0t4aGJGR3B2Zk5WZ0RQb291ZmQ4UmoxTER6RjFna0k1c0Z4M0RRcTNYN0luMlBNYkEwMQ?oc=5) · DailyVoice.com
- 2025-07-01 [NJBankers installs new officers to its board of directors - ROI-NJ](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQk1rSUFEVldRaFJ6SXhwdGszcnJVenZ1ZTdWYVlwMjNQMGZzYWxOaG9qWlJ6ZmtqRVI0TkVUYzVxOWhxY3hHenRhMXJMNFpQQ2Y5M2xEUW84X1g3VURLdGRlVU9vX2xxdFFKWHZyTnVMM1RRUUs5d2YzLUdWUDd6UDA1OGREWDlfamN4Q0xBa0hOYmpueURCdU9RODFsVlJNZUE?oc=5) · ROI-NJ
- 2021-06-15 [Magyar Bank CEO Fitzgerald named new chair of NJ Bankers - ROI-NJ](https://news.google.com/rss/articles/CBMioAFBVV95cUxNc1dwbzJfMTNSOWJlU2xQT2xXT0d1OTFEanR5c2hxelpiRnBJRzJaUWkzbC1HYXNUS1pMTTVWVU11M2lnRFJFZzIxM2p5bU05ZDdmUlcxT1FZVlJKVXJpQl9rWklIbHhEb2dSYjNLckZSVDN0X0FEb3JXajdkdzA2SmdBRVZ3dV9aWkxqWld1ZzZVSGNXQ0UtcHcxZHExYk42?oc=5) · ROI-NJ
- 2023-05-03 [Your guide to New Jersey’s Leading Bankers - ROI-NJ](https://news.google.com/rss/articles/CBMijAFBVV95cUxPb2pQbkxsNUhnZUJ3T3FXaEVqYTNtR0g2eUhSYzJaa01fcXU0YzNNQjRBSl9KNGljYVlSZG15R2lGakQ2NWQ3bmxQVlduMVBXanJleGNHaGtValNHbEFlc283ZVZFd0IzYmU5cmotSlJXcVl2QmI2YXJNZllQMm1xanBUYnBSRjJnSHpmQQ?oc=5) · ROI-NJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34058 (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 "34058", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide