# HARVEST COMMUNITY BANK
PENNSVILLE, NJ · FDIC certificate 34951 · asset band <$300M · latest filing 2016-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $124.2M | |
| Deposits | $122.2M | |
| Loans and leases | $98.8M | |
| Total equity | $1.7M | |
| Loans / deposits | 77.92% (p56 of band) | 74.46% |
| Liquid assets / assets | 18.90% (p22 of band) | |
| Uninsured deposits / deposits | 2.30% (p3 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.44% (p0 of band) | 10.76% |
| Unrealized securities loss / equity | -6.68% (p9 of band) | -0.86% |
| AOCI / equity | 1.61% (p99 of band) | |
| ROA (annualized) | -1.30% (p2 of band) | 0.85% |
| Net interest margin | 3.09% (p20 of band) | 3.68% |
| Efficiency ratio | 143.41% (p99 of band) | |
| Noncurrent loans | 18.17% (p100 of band) | 0.62% |
| Net charge-offs (annualized) | 0.27% (p89 of band) | |
| Reserve coverage of noncurrent | 19.80% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 554.06% (p100 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 | -9.5% | |
| Employees | 32 | |

## 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`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | construction >100% equity |
| 2011-09 | 2 |  |  |
| 2011-12 | 5 | leverage <7%, losing money, charge-offs p90 |  |
| 2012-03 | 5 | uninsured deposits leaving | losing money |
| 2012-06 | 4 |  | charge-offs p90 |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | leverage <7% |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 4 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2014-12 | 11 | leverage <7%, leverage <5%, capital falling, charge-offs p90, construction >100% equity, uninsured deposits leaving |  |
| 2015-03 | 9 |  | capital falling, uninsured deposits leaving |
| 2015-06 | 12 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 13 | capital falling |  |
| 2015-12 | 12 |  | capital falling |
| 2016-03 | 11 |  | charge-offs p90 |
| 2016-06 | 12 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2016-09 | 12 | uninsured deposits leaving | charge-offs p90 |
| 2016-12 | 12 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2019-11-17 [N.J.'s only black-owned community bank was closed by the feds. Here’s why. - NJ.com](https://news.google.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?oc=5) · NJ.com
- 2023-03-28 [First Citizens Bank Acquires Silicon Valley Bank's US Business - FF News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTzU5Wi1LNTZTTWdQd2FQR2ljd19GNEl0MnRIZGxMaFdqcDV3V2M1VTZaWkRFbFl6S19YaWZzaFpoSDNRUDJfOGE1NEdYUEpnRWxqWERZOTlGWWJGYzl5NDJqcG5jVFM1ZE5SVFloVkhtOFZLTDg5V2Uzc1dfd19mNWJ1bmRSRWlXbjVteUZB?oc=5) · FF News
- 2023-03-27 [First Citizens Bank in rescue deal for Silicon Valley Bank - fintechmagazine.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOeENQNm9OVEN0dTIwcExxMkZ6SGpLNE9iV1duT1RIUzFwU3ZJbkM0VW5OMXIwYTJlWERJRmpLNlZYanZNaTRlUFVkRWhCbUdJbllXMTZXY0lrOF9PdXEwMkVXY24ySk83VGdPcktIdnNDOEpYYllpN0VUSVJlaDlrRFc1NGg0QWk5M2VkelNZODdxTTR3UWZVUzZCZw?oc=5) · fintechmagazine.com
- 2023-03-13 [Bank Failures Under Donald Trump Compared to Joe Biden - Newsweek](https://news.google.com/rss/articles/CBMijAFBVV95cUxPakVfdnJTTThVTUZyY21oSHlyVlFnSFBxM3czWnlLN3NOQ21QNHF1MkRmejBQTGpUdDQxd085dlV6dXRkWWNqeFJwcTRZUnc3bkkzQjhfaXBWamt0TlJGZUtfN2NuamVGeUV3dHlZenFLb3lQMXlVMjk1OVRNR3BuSlZ0cXRmTXlDYU5hLQ?oc=5) · Newsweek
- 2023-03-13 [Is It True That 15 Banks Failed During Trump's Presidency? - Snopes](https://news.google.com/rss/articles/CBMid0FVX3lxTE52LVB0OVc0TS1zN0NDWGZaeXdIME9LaS00YmpSNmx5NHAxWDBkNlZBWWQzUFVnWFpjUlNOYzdwSFRaYU9ZNEw2U1NaOHJCYjlnR2xEaFZ2OFBaTDFMQ1hlSE9rai02YUxOb193Tl9ZZEp5QXR1b2g4?oc=5) · Snopes
- 2012-03-01 [Pennsville Township Police continue to search for suspect who robbed Harvest Community Bank - NJ.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNS0ZiSUhEdFVMM0ctOHVVMjZIcDliTDFqWFlQczI1dFdWS2JxWWtnbDZHV1JuTnhlU0dicnJoMW5Da1hkQU9uNG9UQWhtMllNVzV3eW14UFFPSi1zemJoTTZhRjlGcEdwazhCdC1ud0p6Z20yV0lBWUc0alBZV3N0ZA?oc=5) · NJ.com
- 2011-07-26 [Bank seizes Centerton Country Club, puts new operators in charge of banquet, restaurant facilities - NJ.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE0tVlQwV2RlWDZNdENVMTBQYWl4cWhIWjdveEFUUmpKWkRfNG12MmRzY3FwWERNR0l4YVdGQW9PZURpX1JmSXlDUklIQ25abEVSdkRVNlZKRnJLUW1jVlFJZGphYWc4ODR0c25VVWN1dzNSdGpGMnc?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34951 (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/7.json (key "34951", 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