# SHORE COMMUNITY BANK
TOMS RIVER, NJ · FDIC certificate 34253 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $285.7M | |
| Deposits | $249.9M | |
| Loans and leases | $210.5M | |
| Total equity | $33.0M | |
| Loans / deposits | 83.18% (p61 of band) | 77.79% |
| Liquid assets / assets | 21.65% (p29 of band) | |
| Uninsured deposits / deposits | 16.80% (p54 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.36% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.54% (p50 of band) | 11.56% |
| Unrealized securities loss / equity | 1.10% (p57 of band) | 0.80% |
| AOCI / equity | 0.53% (p25 of band) | |
| ROA (annualized) | 1.10% (p53 of band) | 1.05% |
| Net interest margin | 4.02% (p61 of band) | 3.84% |
| Efficiency ratio | 59.55% (p24 of band) | |
| Noncurrent loans | 1.03% (p67 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p16 of band) | |
| Reserve coverage of noncurrent | 118.37% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 54.89% (p83 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 | -0.6% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 2 | noncurrent p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | noncurrent p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  | assets shrinking |
| 2015-06 | 1 |  | deposits shrinking |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 0 |  | uninsured deposits leaving, capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |

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

- 2019-06-25 [1st Constitution Bank to acquire Shore Community Bank for $53.1M - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWG13RklvdC1TTHhCMy1ONU5qaDNPWVJtNWk4ZHUtSklWU1ZId2czM3RvSGhSX1R2OFBOa2ttdS1adk9hbUZQR1VlRUlXbDVzVGFmOWFOMHB0am5sRVVmenFiQUs0RWFFWDZ2Nld4cWE4dHZIREtFNlVWaDhBRloxd19iOEU4eVprRkdudk9mNTg3Z2NTOXpXZHZCLWx4TFpsd3ZJQzRBU0RFZw?oc=5) · ROI-NJ
- 2024-09-04 [Obituary for Jennifer A. Colon - Timothy E. Ryan Home For Funerals](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBSSGxscl9oRjZCOEg3N0tnVGFtYnRjSHJRYnllWW94ZlR1SWM2MEtPaTFTQVM0QUFZTkJPU1hZYkxmbm1fQm94QURvSy1ORGMyaHFIRmc2ZlB2ZmNVQnN1VE5rVi1EQQ?oc=5) · Timothy E. Ryan Home For Funerals
- 2011-10-04 [Shore Area Banks Say They Won't Charge for Debit Cards - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWlBqVWRlUlE5dkx6UWZGdTZSZlBaeXc3U0JoVmF2N1hxTl9NUUtubVltUENWS281WkFSTlZRTDJZU3dIRmVOR3dsS2lkcGNmd0NQUjhnMzU0S0ZNMkdvcFhQNVFxN1FKcWdJVm1qZTBoS1JGSGw2dkVYcV9iMkp6U0s3elJ4VXB0NDY5cjM2WnZKbWk5TUhLY0tILWU1V01fQ09oeA?oc=5) · Patch
- 2019-11-26 [1ST Constitution Bancorp Announces Election of Raymond R. Ciccone, CPA as Director - GlobeNewswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQOUctWnh3cHJ0NzdObHRYOFNiUHcxRnlYci1SekRDbmpnSm01ZkJyUWpuOE5fcU9rTVhTckExclkzZ19jUlQzNGRvSnZTSEJnbXNXaURpWS1jT0F2UHAyTDQzSHlFVVFzRzRZMzE5T2l4QkdwMGR2M0MxSWZOSGUtcEtOcHk5V1FqYUYwdlUxSFJaVS05TzJBbWZOUjE1bFA0RDlZUTRRSVJFSnF3SURMOTJDSFFDZnh6YnVPSzRZOHItOW5DWnJGWjJmM0lONV90emxwY1pSa21mblBGbkNKNUtiam1aVGc?oc=5) · GlobeNewswire
- 2020-05-05 [Walter Robert Darr Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQdWx2T3RiYXY1TDFaWGVjSmNwRHZaMEl4a0l6OVpjU0hjZDAzMzhlVWhfOFZpX0ZSOVRCUnhPSVFiYVFPQU9ILUlwZDdlZDVxNDVBWnl1TEVlN1dNN3pmVFM5REk0VXNqQjk3TUMxb0w5cmlkSjF5eExFWm5RRlhqcDVuLVFjQWFRbXZndVZZVHNEM2ZrbE1IazNTTldOSEZiLVBFcVBBbDRhRXBTeUhOSl9NSGJrc3ludGRJekJPaENRWDhLMkVwNWhZZkxJUEM0eC00S20yZkpfVjFydk9UdDlHY29Tc1NrNFg4WTV2aFE4dw?oc=5) · 24-7 Press Release Newswire
- 2016-02-05 [Shore banks make money; why are they nervous? - Asbury Park Press](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVGIzWU9DdDR2VzduaXZwNTFJZ2RFMi1KVHJ2TmFPYW04THdyZVBYT1FTRENmM0pncFdwaVdEUlpONTNzQUdLazdUX3RiVWtHeVRTLUEtSXNpRjlsdklBUnhoeDJoRWZEeW1PRG1oVk1yUVNTYzg5d1pUanZDcm5tZy1ZakhLZWdtSWdfQUZ6Vk5ONUFYUXlONXdYcWxYWHgxT0ZB?oc=5) · Asbury Park Press
- 2014-11-19 [Earl Sutton Obituary (2014) - 84, Little Egg Harbor, NJ - Asbury Park Press - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRXNzSHJyOFZYYkJ3Y1dsR3VWQ1BOX1FnWFJCMm5zOFQwQlpreUd6NllLYW1BUk5SbzF2TWhwZTZzY3A5RE50LUpjZFR0QTZRb3dPcGJSRTdmODlncVlrUW0tc09hZTZvc3ZUSjgwa0h2UThReFMxam8tUTJYMk5SUFl3SjY?oc=5) · legacy.com
- 2023-01-30 [New Jersey lost a third of its banks in the last 10 years. What's that doing to customers? - Asbury Park Press](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQMWJuOGZTSzRkejVVTjlCTWpOMU1PTlJWYXJiTXg3X0RReW52RmFTbTE4ZzAycEI4M2h5V1ZoQ2N1YmtJVG5rTkNuZXQtZ3h4UG5KN3R5Mng1UUQ0NVVZUzNOR18xTWh2SXprLWpaZUpsamJ1OF9KNmtSLWhEWXhETjFOWHB6TWQ0Wi1LZUFrTDJMNEJUSm55c3NDZHN4RXVvSi1uTXF3TkFLaHUtc3Q1V2ZsVGxiZzNla0M4VDFXNDdKYUh5SU8taEFPeWtkY3M3b0RHR05xOA?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34253 (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/13.json (key "34253", 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