# BANKERS BANK NORTHEAST
GLASTONBURY, CT · FDIC certificate 34858 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $166.3M | |
| Deposits | $144.5M | |
| Loans and leases | $43.9M | |
| Total equity | $16.7M | |
| Loans / deposits | 30.02% (p5 of band) | 75.88% |
| Liquid assets / assets | 70.48% (p95 of band) | |
| Uninsured deposits / deposits | 68.36% (p100 of band) | 15.42% |
| Brokered deposits | 0.80% | |
| Wholesale funding | 3.71% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.94% (p16 of band) | 10.88% |
| Unrealized securities loss / equity | -1.01% (p42 of band) | -0.66% |
| AOCI / equity | -0.03% (p35 of band) | |
| ROA (annualized) | 0.65% (p36 of band) | 0.85% |
| Net interest margin | 2.06% (p3 of band) | 3.74% |
| Efficiency ratio | 88.61% (p87 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 6.43% (p31 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 | 18.6% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **NIM <2.5%** (`earn_nim`)

## 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 | reserve under noncurrent | capital falling |
| 2012-03 | 2 | NIM <2.5% |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 | uninsured deposits >50% | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  | deposits shrinking, assets shrinking |
| 2014-03 | 3 |  |  |
| 2014-06 | 5 | expense ratio p90, assets shrinking |  |
| 2014-09 | 4 |  | assets shrinking |
| 2014-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  | reserve under noncurrent, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 4 | capital falling, expense ratio p90 |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2016-09 | 5 | capital falling | assets shrinking |
| 2016-12 | 3 |  | deposits shrinking, capital falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 2 |  | expense ratio p90, capital falling |
| 2017-12 | 2 |  |  |

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

- 2005-04-29 [Trentacosta Elected As Bankers’ Bank Northeast Director - newtownbee.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQYU5haHBrY1g2Q2g5TTdkdm9TWE4zVlNRRkswWTZZVXBrMzJYS1JveEd6U24zclJQSzM4Sk1hSmVnRGxSQ25mSGNQVFQ2U3RtMjF5UTg5Q0xhWE16QlVnWnFqM2V3dGJVYzVZWHdpa09TR2RsNVF6OHp6X1pmQWJ5UUtfaEhQLTd1R2NOR0FYVFppeTZkQ1E?oc=5) · newtownbee.com
- 2013-09-18 [Peter Sposito going from bank chief to professor - Hartford Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWlVYbGw1bmxrR09DY0IzN080YmdVVVl4Y2NXYVNCejBtYU5TM2hWRGoyTm10Yl93YVhleUhqU0JaZy1sMHAtc1BBUkpnSXBGRG01ODhmRWNjcTY3eDgtN29yVHlWSXFTbk8xb2FLcmM0end2SlVnNUN4RE9nNUlrNWZVclhpZ1VHRk0wWFRjdw?oc=5) · Hartford Business Journal
- 2018-03-18 [Torrington area business briefs, March 18, 2018 - ctinsider.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOd2s0QmtsUXB4RTI5ZHZiRE1kaV9hOXgxSXZneVBLNzI0bXRaQlZaQTBqcXc5OHE3S08xbUw5Z0o0UWIxUUlNcWVfUVY4eW1KdUVBODRWNUk3blpaSTB6eHFhZTlXcWc4dkR3a3p2amNkSnhfb3F1S21GbDBtRVNJazFBSlA1Q1I5SjItblJTNThEN3JXSTJmZzZPaXQzRXdoSU5n?oc=5) · ctinsider.com
- 2022-10-30 [John Manning Obituary (2022) - New Britain, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPenNPMFMwYnhtbTNna3ZOc1pnc1VLUTNWbGJNcTVnX2RlYW9MTnVRTFc1ZWo3a3d2RXVKNVNuZmFJaTNFR3VjcEFCSFdwUXdvMHRRcTlEOEJMVDRycnVwR0RHVjZ3TXhZeldkQVdWVm1zdEFvN1ppdkp2dE1RcHR0TGo3UjlVRzRhUkhvMWZnVXU5c0ZuTkE?oc=5) · legacy.com
- 2011-04-11 [Movers & Shakers - Hartford Business Journal](https://news.google.com/rss/articles/CBMiZkFVX3lxTFA5NkxZdHBKR3JUbUJBTHB0MlRtaEFvVFNiMWVqdnFOUEFsZVFueTBXN05OZVBNY0FYdGhDY19pRktKZGRUZlFBaDcxamZBc3c1TWNObmlCdlRadEQ4b3ZYSmVBcm5TQQ?oc=5) · Hartford Business Journal
- 2021-10-07 [Ralph SHULANSKY Obituary (2013) - Hartford, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPYUF2WGVnd0JaMWFubS1qeUJ3QVIxWHNWOWJkNVlLeE5xdjd1b2pndkJIWlVSbzdZOEpaNEhNXzFHZmRWaGwzdUl4RnRrX3h1YndZR3pOclFhdkpkQjlEZ1NxQmFIZ2wxZm1oVkFpT1FCMVhSRGNLLWhxMkdLRkJlNmUzYnI5UEFCeWl0NEEzMEZ6M1JQU1IycUdR?oc=5) · legacy.com
- 2009-06-16 [Philip Snyder Obituary (2009) - West Hartford, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOOG1CSW9rZ2tmeVNFVnYyVHNlZ0VyNTJEajVBelQwSUl3R0F4Yy13QXhCVTFEdi1IWkZzdDhPZ3hDSTc4Vy00eXdwemVzandzODJ0a3gxQ1FvQUFFdVZLYTVZUzlxLXFKWW1sSDVMQmI3NHN5NjFaNXVsWUoxNnl1LWJwMWVwaG1LbWl5UDlQRlFzVWlrTFdB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34858 (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/42.json (key "34858", 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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