# PUBLIC SAVINGS BANK
HUNTINGDON VALLE, PA · FDIC certificate 34130 · asset band <$300M · latest filing 2011-06 · FAILED

**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 | $46.8M | |
| Deposits | $45.8M | |
| Loans and leases | $37.1M | |
| Total equity | $721,000 | |
| Loans / deposits | 79.03% (p65 of band) | 71.80% |
| Liquid assets / assets | 14.03% (p7 of band) | |
| Uninsured deposits / deposits | 1.24% (p8 of band) | 7.92% |
| Brokered deposits | 3.08% | |
| Wholesale funding | 3.08% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.39% (p0 of band) | 9.80% |
| Unrealized securities loss / equity | -1.25% (p6 of band) | 2.62% |
| AOCI / equity | 0.69% (p41 of band) | |
| ROA (annualized) | -3.11% (p3 of band) | 0.68% |
| Net interest margin | 5.66% (p98 of band) | 3.84% |
| Efficiency ratio | 119.03% (p95 of band) | |
| Noncurrent loans | 9.39% (p95 of band) | 1.53% |
| Net charge-offs (annualized) | 0.61% (p82 of band) | |
| Reserve coverage of noncurrent | 26.41% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 98.20% (p92 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 29 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2013-05-22 [Failures That Couldn't Wait for Friday - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxQV1B0dU9YUTgwNGh5ekZZWGgxYUlRVEtaa1lMNlJLUVpNN1hZZ0hXeWpjamZVaUlLbldZUDlheDhOTW5xRWxUZFhsbXFvRGFXYmdBZVY2SF9PMy12b2pPaklQTUNtdkdzNXJpMkxDLWFMakozMXZEcGtJbWNCQ1NTS0ZsUjY?oc=5) · American Banker
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2024-03-21 [PDIC sets deadline for claims of defunct public savings bank - Philstar.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPdEpncUQ3VXNzZ1FKeTVJTVNRX2lVN2dVYWZGc29odk1IQlZnZlBXWUM3eEl1Mno0RUZiRTk4cFkxMTJFX0YxMG44QWI4RGJuRGM2c3ZKYlR0d0tqNHEtSi1RQWNsVlVvdjZXdkQzdGZYYjVRYTk3Tl9XQ0VERGVVZHdiTUQwUVpGYWFKS2UyMFhXSmRRTEVKYnF1UlNjNFlwOE5mempXUGhVVGljM3l5RC12S1A1UGtZMXNPVy1vV1bSAccBQVVfeXFMTWlZbTVxWTdaaHNaTHZNSXBHdmlaMUtiajlhXzVBdHJDczVjWnZXenN4cWVNYnBUeks2ZW93di0yZ1VrS2dJVktGUUw3TndpZnhmUFpCQ2xwVGdYanBGRi1HT0pEMDF1NzY2M3VWTEVqbXNhM041SXBiU2NYY2VLRmgyUFlwYVZYTkNQS0hPVi1Jalg3REFEZE9COURORFl3VzZ1Y0VBckJuZEZ2SUFjbmpMNjlmb25aWW5vQkpRaFpxZ0N5VV9NRQ?oc=5) · Philstar.com
- 2022-04-03 [BSP closes Cebu thrift bank - Philstar.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTW1yNVFxeGhpV0tNUkdHTHNNRi10VFdJNGFGRGh1TGJlS2xCbU4tb3psbVdVQkZES3BCV1FSTm9ITUc3VzRsbW5DbEp2Z0h5bUhsUHIwdld0NzIzR0dpOEg2aS1NU21naE1rU1VmZzFCX0U2RHpJTkE4aXh5bG1qZWR3MEZHVHfSAY4BQVVfeXFMT1l5QjJ4LTlpa0FaazNBcGJ0RUxhSXQ0eFIxOVM0Y1l2SWpVRmlkdlBPNDNyMVN5UmtUTVRtRmhfRUZteVpHTnpyNkJNTUNuYjVsUkkyeG14bmU5SzNiUUwyY3ZaYjVJZzBoclJicFJQRUpxc0ZDZkM1M0tvNXJBTVBtdFUwaTg1eUxJQVV2QQ?oc=5) · Philstar.com
- 2008-02-10 [Region VII had most bank robberies in 07 - Philstar.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZnRPN0p1Q0w4QXR4N2M1WFpodXJWa1JpemxHRXhIdXlwUTI5aHpVZk1Mc1g5ZUVIcU5lN2puLVFrdEUtMUZLSW00cE5ROTlnLUh5WEdXNERzZ1ozVHNvVUt4RHJZZnVWX2xMWncxNFFuSUxkSnlESnFyb1VxUm5ReTBaZ1ZxRnkzbC1iOUFKMVYyWUnSAZoBQVVfeXFMUC0xd29tY0o2dTVVU0x4dW8zOEVNbW5YTm56WTJUeTBEM0tPdG13NjhCRlk3MmMyMTNCTkFsUXBWOFJ4akV1RzFrdXp2Vlp0ZnluVndwdi1Yb1ltU3lrU0hqR3JaMEViQnYxQV9OTVRGWDRiNVNIWmJXWF8yMXpDeWZBeHJrSTBSTmhXdjJWYWt2MjE1SUVxRDE0dw?oc=5) · Philstar.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34130 (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/18.json (key "34130", 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