# CROWN BANK
ELIZABETH, NJ · FDIC certificate 34259 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $614.3M | |
| Deposits | $428.3M | |
| Loans and leases | $524.4M | |
| Total equity | $164.1M | |
| Loans / deposits | 121.36% (p99 of band) | 82.04% |
| Liquid assets / assets | 7.31% (p2 of band) | |
| Uninsured deposits / deposits | 38.36% (p85 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.99% (p41 of band) | |
| FHLB advances / assets | 0.18% | |
| Tier 1 leverage | 26.11% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | -0.42% (p91 of band) | -8.10% |
| AOCI / equity | -0.03% (p71 of band) | |
| ROA (annualized) | 2.33% (p93 of band) | 1.28% |
| Net interest margin | 4.88% (p91 of band) | 3.91% |
| Efficiency ratio | 44.89% (p10 of band) | |
| Noncurrent loans | 5.77% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 15.30% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 40.84% (p48 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 | -10.4% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 4 | loans exceed deposits |  |
| 2012-09 | 3 |  | loans exceed deposits |
| 2012-12 | 4 | charge-offs p90 |  |
| 2013-03 | 2 |  | construction >100% equity, charge-offs p90 |
| 2013-06 | 3 | construction >100% equity |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking |  |
| 2013-12 | 6 | charge-offs p90 |  |
| 2014-03 | 7 | uninsured deposits leaving |  |
| 2014-06 | 6 |  | construction >100% equity |
| 2014-09 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2014-12 | 5 | uninsured deposits leaving |  |
| 2015-03 | 2 |  | deposits shrinking, charge-offs p90, uninsured deposits leaving |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | deposits shrinking |  |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | assets shrinking |
| 2019-06 | 2 |  | deposits shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | deposits shrinking |  |
| 2020-06 | 4 | loans exceed deposits, uninsured deposits leaving | deposits shrinking |
| 2020-09 | 3 |  | uninsured deposits leaving |
| 2020-12 | 4 | deposits shrinking |  |
| 2021-03 | 3 |  | deposits shrinking |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | loans exceed deposits |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | loans exceed deposits |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 6 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2023-03 | 5 |  | assets shrinking |
| 2023-06 | 6 | assets shrinking |  |
| 2023-09 | 5 |  | assets shrinking |
| 2023-12 | 4 |  | deposits shrinking |
| 2024-03 | 5 | wholesale funding >15% |  |
| 2024-06 | 5 | capital falling | liquid assets <10% |
| 2024-09 | 6 | brokered >10%, liquid assets <10% | capital falling |
| 2024-12 | 4 |  | wholesale funding >15%, liquid assets <10% |
| 2025-03 | 3 |  | brokered >10% |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | deposits shrinking |  |
| 2026-06 | 6 | liquid assets <10%, assets shrinking |  |

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

- 2025-10-01 [Former Bank Building Will Not Become New Police HQ, Ocean City Mayor Says - Patch](https://news.google.com/rss/articles/CBMisAFBVV95cUxPS1BGc0ZNdDVGS2Qya0ZQWHYzM18xdFNnOW9sdFNsblhKcFBYWDRqc0F4Q1VuXzNDZ3g2ODhyei1SYmEzdVNuSWluOGNJT1l1X3R0aFI3YXNCUEszS254NEJqanJCdDJ1QVRZUzlsSFBXdlpPbktNOTVUV1JjSjdoenpTZEZsT2NIN1pFRGlKMkF2QWwyUWUwM0V0OHl2MlpOU3Brd2ZrSHBublVuUzR3MQ?oc=5) · Patch
- 2020-02-17 [Court Rejects Coverage for Phishing Loss Under Financial Institutions Bond, Calls for More Briefing on Computer Systems Fraud Coverage Issue - Hinshaw & Culbertson LLP](https://news.google.com/rss/articles/CBMirwJBVV95cUxPcEhXZm1CblJzMFlzNHFINUxkem55MGtVcThPYXR5RW1MampHb19xNnhRMldxeHRIdnhoTkw5RUxaTWl6X0haQ0pBWDZfenZPMldKRVRxemJzeGltMTN1V2pfLUdmN1V3eDVlRVc5Rm1Ka3Nwd2JQVkFEZ2NaaFhuOG5la3FhWER4dnZkTUFJTm1JM2VtWkxldkcwWG9ES0FRSHROaGRFbXBac0Rfd2hRUkJEVmNEV3lwZVNBYmNENFFPZlAtcWQ5SEUzbGR5QzZuME5WeDVTaUNKRW0tQ3NsXzZDVmRERGdUYU52elJ0RmtxLTlNMEZaek5GRlFFaXpvRXlZdngyalIwNUZsTjRFTmFmSWtSRHNrdFBWYWRoYzhTbHd5alE0cmY4Q1BuTGs?oc=5) · Hinshaw &amp; Culbertson LLP
- 2021-02-22 [Crown Bank (NJ) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMie0FVX3lxTE9OWXpYMkhuZWJlbWNGbDVBN0RxNmxPekxwUk5KZHF0WmVLNVdlWU91NkRzdTRWbzNuUkFjc0xseW9YeGNKbmhXU0YzTWRpMUg0RnMwOUU0S2xYTUpQLWw3RFkyUWJOYW9KTVJvRzRveWtoWk9iMkhRZU1VQQ?oc=5) · SmartAsset
- 2025-09-23 [Ocean City To Buy Iconic Downtown Building For New Police HQ - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaW5BbnhIVk9wYmFlbTB1RmFEcEQyaFZMSm1FY21lNjZlZUo5M21nbzBlOXVycXhQbTVLOW96S0NrVmN3RG9nOW5LYm1ETW9hcS1aRlpDZHVhTGFaY3Y1WWhYeWFPODRQbVZpTmowYUgtSjNYcGl2WTVURFJRX0lmU1JINjllUEtzcDZxZW5XeGxqWHBXTk5R?oc=5) · Patch
- 2023-01-20 [Crown Bank Building Sold to Ocean City Investor - OCNJ Daily](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0JpZ3pDVlpHSFkxOXRqY1VMRkVVcExQWUM2VVRVMkx6eTZyV0ZQbmhuOWJoS1FZbV84Y1BKNmwxdkZfVDlOTnZUQ1JETXdCOUl2WFZEeDVTNDJVNmEzdTlvQ3VhdFFlSTBSSThjaUpLYy1ZSUJGcjc1TWtvb3BNajBMUVpEU2M4emZz?oc=5) · OCNJ Daily
- 2023-01-23 [Luxury hotel brand Icona outbid for historic Jersey Shore bank building in $6.6M deal - NJ.com](https://news.google.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?oc=5) · NJ.com
- 2014-08-20 [Ostiens to Give Lecture on Crown Bank Building - Patch](https://news.google.com/rss/articles/CBMihgFBVV95cUxPUjVMV2M2SUdsZnBac0ZqcThOd1paaVNjbDNPb3FMak9tNVdtMVVVellvWjJ5N1pMajVKcVZuTjhFdHQ0V1FuSU9lWnlPR2VMbHEtUVFieVBpYW1LbWMxdENTV3hyd1FrQ3BmS1pMSmhnNDRtZWt6eDRKdS04VEpQOHV1VWZjZw?oc=5) · Patch
- 2023-01-24 [Ocean City Investor Gets Two More Local Properties - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNemdodFpJRFRuS2tnSzNxQTNGV3FoRmhKblJnRGlWb0NTejJSU1JGajQ1WnNoTnNnZTRnUlZlUHB0QWJ2NEZpYWRXeHRtUURTQ19ISlhXdVJ1MnlzcHVsLVlNa0k2NzVkQXNJV3VqY0QtR3RfSWtyN2x3Nkx5bHN0S1kydVZOdFc1MmJOT2NKaWtYNjg?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34259 (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/19.json (key "34259", 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