# SOMERSET HILLS BANK
BERNARDSVILLE, NJ · FDIC certificate 34720 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $355.5M | |
| Deposits | $308.1M | |
| Loans and leases | $247.6M | |
| Total equity | $40.8M | |
| Loans / deposits | 79.33% (p61 of band) | 74.76% |
| Liquid assets / assets | 26.32% (p37 of band) | |
| Uninsured deposits / deposits | 28.56% (p82 of band) | 16.74% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.55% (p26 of band) | |
| FHLB advances / assets | 1.55% | |
| Tier 1 leverage | 11.22% (p76 of band) | 9.77% |
| Unrealized securities loss / equity | 1.81% (p37 of band) | 2.98% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 0.47% (p24 of band) | 0.80% |
| Net interest margin | 3.29% (p35 of band) | 3.52% |
| Efficiency ratio | 76.51% (p67 of band) | |
| Noncurrent loans | 0.47% (p18 of band) | 1.55% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 274.70% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 8.52% (p18 of band) | |
| Auto loans | $84,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

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

- 2013-06-05 [Hoboken's Haven Savings Bank to buy Hilltop Community Bank in $27m merger - NJ.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFB2WlBid1VUTlpSMkdFYkZiVU9ZSUxSazJuMEpoZ240N0VZSlBMQlZSSmhpd2VuZ0RLblk1V3ZXRWVRMTVteUliQWItSUpxdW90N0p0bjFUQ3lCd1lfcm04c2xTR1RmLWViR1Q1THhNQlFtbmExMkp5VDRvNA?oc=5) · NJ.com
- 2019-01-16 [10. Edward B. Deutsch - NJBIZ](https://news.google.com/rss/articles/CBMiT0FVX3lxTE1Pd1ZDX244SGNFZUJUNWxEbTF0ZTJzVS1FU25mbmhvc1Y4Vm1nYWkzSUtaVndFQ0h0QThlREVSb3Fhenh4RmZseUhSazA1TWc?oc=5) · NJBIZ
- 2016-02-19 [Lakeland Bank comes to Shore, buys Harmony - Asbury Park Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxPc2Zia1FCNTFaNWl5Q3JPVVFfelZhSjZBeThpcGhYd0VXMXJCWEJMN1dyaGY0QXZfNEQ4TndGaHBZNjZMeVNXOGVhY2FDSWotU2labFBKcXVsdG1MS2hzOFpSb2Y1ZFZBOFJ3MG5iYW1Hc3dyTkVUX25aUEt2Z2NmM0FuUnpiektTMXRnUGc4c3JWUQ?oc=5) · Asbury Park Press
- 2014-07-20 [People In Business, July 20 - New Jersey Herald](https://news.google.com/rss/articles/CBMikwFBVV95cUxPNWNuZmVWYWJQVV9sTE9DN0JyeDJaeERqTWlwODl1RHFlQmhrV1ZXLTBRY19DYnRUdlFaVm92UjZPWmhBcEhxWFRQeWNHLXZ2X01hVVJjNXAzZFFWeHE2cVdFWFcxWmZmemcxZVBtU1NpbkVXQnBDN0pDX0J6a3FPY2NsVzlzVktCMmNYLXNFam9qNEU?oc=5) · New Jersey Herald
- 2025-09-03 [Long Valley residents, John and Joanne Harrington, to Receive “Making a Difference Award” at Tri-County Scholarship Fund 44th Annual Awards Dinner - TAPinto](https://news.google.com/rss/articles/CBMinAJBVV95cUxOemV1RTlVby0xd0NxSkhrR0N3Wnlrd1E4MHRkdlVLVGFJZUxtanpwZVNCUmZaTTRlZXZZSnNTLUhoR1VabmM0bGw1VVFHTUE0WXBMRlhxSFdGTXBWaHA0SUp2Ri1LQVhNLTdWbHQtV1pxUGFEV0Z3b1BZLXhKam13dkk2bHZCMXEwX0p6Sm1oZ21GRF9NTnhNX2NIU2JFUFhpSU1FcHpTSGNXY1dITlhMY25YaEZ2aHJpaEJoVDVLcnJzX0ExWDJzYWUyRTdBWG5ZRnlEeGhZT1VGNFhPMnpvTDE0OEo5U2NPcDVER1VrMWdPOFItWVNKbzY1Sld2Y2JzMHNLWU9mM3pKZEpkYXpsVlZUQXhzS2dCYk5HMw?oc=5) · TAPinto
- 2012-10-26 [5th Grade Pumpkin Fundraiser - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQXc5MFU5WEZ6NURGLTdPd1dpQ3ZwOVcxZDZSVWlvak9nWEdDOE5oa1RBaEVOWVQwZ3dTNUlNN2dFSG0tVjJWUGpPaGczcHdwS0FtT0FkSEh5bkRXbExLWE1WOFh2NnREOUgwTDJ2TUxPcHBxQXcxdWpoNDEtU0VvWVNKU0lrNjhsWHFkRA?oc=5) · Patch
- 2012-04-14 [Denise Miele Obituary (2012) - Newark, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMnRtQ3NqSW1RUTlYZFM5VkpHaWQ4ZlphSFpDelFXQW5BTjhvYW5OdjVLbUhWeTVEUDFBZUJiMDlKRTN5SlFvbHNWeWxJZEVkQnlzX3l1RXp3V2lYTzdRMmJyX2o0c2JiODZCQTd0eXdpR2ZhMUNVVnJDU3k4VGtETDBicVVEanF2dEJQTw?oc=5) · obits.nj.com
- 2021-10-02 [Gerard Riker Obituary (2009) - Nutley, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNaDQ3WjZOR1ZDdUJTZC1DbUF1dzYtU1FBQnhudUxjOGVOZnBmRE5PQ19SNmloZmxSdnhQQ1BXTUI0Y0JDMU54dm8xbFBaVWozQ2kwMHhtVlhlelZ3WHlZdDBheDNINlo2dk8xaW9WZHZiT0hSMkF5WllvcnZrbFdhNkxVa0FDcW9ReVJSbQ?oc=5) · obits.nj.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34720 (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/32.json (key "34720", 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