# SYRINGA BANK
BOISE, ID · FDIC certificate 34296 · asset band <$300M · latest filing 2013-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $153.4M | |
| Deposits | $145.8M | |
| Loans and leases | $119.8M | |
| Total equity | $3.1M | |
| Loans / deposits | 79.41% (p69 of band) | 69.26% |
| Liquid assets / assets | 20.98% (p19 of band) | |
| Uninsured deposits / deposits | 7.16% (p24 of band) | 12.49% |
| Brokered deposits | 2.59% | |
| Wholesale funding | 5.20% (p68 of band) | |
| FHLB advances / assets | 2.61% | |
| Tier 1 leverage | 2.02% (p0 of band) | 10.29% |
| Unrealized securities loss / equity | 2.39% (p93 of band) | -1.01% |
| AOCI / equity | -7.95% (p26 of band) | |
| ROA (annualized) | -1.50% (p3 of band) | 0.76% |
| Net interest margin | 3.70% (p54 of band) | 3.63% |
| Efficiency ratio | 133.05% (p98 of band) | |
| Noncurrent loans | 3.29% (p85 of band) | 0.94% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 102.03% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 61.16% (p86 of band) | |
| Auto loans | $446,000 (0.37% of loans; DQ 1.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 | leverage <5% |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 9 | capital falling, deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 9 |  |  |
| 2012-09 | 9 |  |  |
| 2012-12 | 9 |  |  |
| 2013-03 | 9 |  |  |
| 2013-06 | 9 |  |  |
| 2013-09 | 9 |  |  |
| 2013-12 | 8 |  | reserve under noncurrent |

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

- 2025-12-08 [Claudia Shakenis Obituary (1948 - 2025) - Boise, ID - Idaho Statesman - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQR0ZPOGF1N18tTlBpMzN4NUkwQ1hlNUlOM2N1NmRGVjBFZlBuOHNScXRnaEMzaHhtbzVXN1lxLWJuTVQ0T1lGb055VHRHeGItRTViVFIyeEJFdzhjR1Q3U3gxeWY3alBTWEdSbEpVUTd3WTlWZVdVcm5IWHZhNXJmMWhnMTgwcVJnZ0pocU1RSzlXUUx2YTMteXBR?oc=5) · legacy.com
- 2006-07-25 [Bryce Lawatch Obituary (2006) - Boise, ID - Idaho Statesman - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcUM0cE5Qd09BS0FpdGI1NWFKRHFvQ2NzOWJzLXN1MmZOTGZiZ3FYaWpNNXZSTUlEWk1UV0duRGQ3OHBXM1BiWHVaUnh1V3hrZWJTZHVrRnRzZ2tyYVQ3Z2duTjctUVg5anV6NXgySmY5dkVHNjB2c1FBSUZIZzRyTl9nTTBoRlM1VVhMWFcxdklKVDgtd2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34296 (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/56.json (key "34296", 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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