# PITNEY BOWES BANK INC
SALT LAKE CITY, UT · FDIC certificate 34599 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $796.3M | |
| Deposits | $676.4M | |
| Loans and leases | $470.2M | |
| Total equity | $77.4M | |
| Loans / deposits | 68.35% (p22 of band) | 82.04% |
| Liquid assets / assets | 36.29% (p77 of band) | |
| Uninsured deposits / deposits | 32.68% (p74 of band) | 25.97% |
| Brokered deposits | 10.92% | |
| Wholesale funding | 12.50% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.37% (p72 of band) | 10.81% |
| Unrealized securities loss / equity | -41.12% (p7 of band) | -8.10% |
| AOCI / equity | -0.31% (p53 of band) | |
| ROA (annualized) | 5.34% (p99 of band) | 1.28% |
| Net interest margin | 8.09% (p100 of band) | 3.91% |
| Efficiency ratio | 32.04% (p2 of band) | |
| Noncurrent loans | 0.44% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | 0.73% (p98 of band) | |
| Reserve coverage of noncurrent | 382.02% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 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 | -1.1% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **securities losses >30% of equity** (`cap_secloss`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 | reserve under noncurrent | leverage <7%, capital falling |
| 2013-03 | 2 | leverage <7% | reserve under noncurrent |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | leverage <7% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 | capital falling | reserve under noncurrent |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | securities losses >30% of equity |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 2 |  | wholesale funding >15% |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | deposits shrinking, assets shrinking |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 6 | brokered >10%, uninsured deposits leaving |  |
| 2026-03 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-06 | 3 |  |  |

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

- 2021-01-19 [How Can Geographical Areas on CRA exams Work for Branchless banks? - National Community Reinvestment Coalition (NCRC)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWWx1bFU1Y0FRSXo2VFFNelh1QUVlNkZKUDJCSUl6REt2Yy11STl3OFlWaHpyUDRUd3FKMWdTRGpfOGMwTXhsQnRHNTFoT29zN1loY0FPYTIwRFlrWjRlSnVqX21KR1NXWk9lLTF0RWktZ3I5dTQyOWZSZlhLNjVZOXdqSUdDVEJrNXdj?oc=5) · National Community Reinvestment Coalition (NCRC)
- 2009-06-19 [Corporate Lenders Get Hit - wsj.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9QNGl3ZEhYdU9yWjFjZzlYa0E5OVlwOWx5NWRLOG1UQjNOcE9NS2dsbjl3VmFmRkhFa2xaN2VPX1pzNVFodXY3aHl5a3ZEZC1vSGxXX2V2WXNQb29wdVE?oc=5) · wsj.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34599 (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/39.json (key "34599", 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