# HILLTOP COMMUNITY BANK
SUMMIT, NJ · FDIC certificate 35235 · asset band <$300M · latest filing 2013-09 · 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 | $165.9M | |
| Deposits | $139.5M | |
| Loans and leases | $104.0M | |
| Total equity | $20.9M | |
| Loans / deposits | 73.09% (p57 of band) | 69.26% |
| Liquid assets / assets | 33.50% (p47 of band) | |
| Uninsured deposits / deposits | 19.35% (p78 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.85% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.72% (p69 of band) | 10.33% |
| Unrealized securities loss / equity | 3.32% (p93 of band) | -0.53% |
| AOCI / equity | -3.21% (p49 of band) | |
| ROA (annualized) | 0.57% (p37 of band) | 0.77% |
| Net interest margin | 3.77% (p59 of band) | 3.62% |
| Efficiency ratio | 81.75% (p68 of band) | |
| Noncurrent loans | 1.07% (p50 of band) | 1.08% |
| Net charge-offs (annualized) | -0.07% (p5 of band) | |
| Reserve coverage of noncurrent | 182.63% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 17.64% (p53 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 | -2.9% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 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
- 2025-11-21 [Kelly joins Schuyler Savings Bank as VP, Commercial Lending - ROI-NJ](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeXpPZlI5b0tqdlUwclJyNldhVmRrV0lBNmVMMFN0SlVVTm5NREZOYlNONlRnZ3VGXzgwQjlXVGRqS04wS1lzWnZ4UnE2QVd2YmdtSU1MM2s0cjFaQjJ3eFFfYmpfbWZIRDJoc05JOTBDS2xMUjhhNVBWUDUzX0FlZjRNWGJHbzRWSW9xSDU5WC1KWG1vNXo4UjhsY2VRdEZVb29v?oc=5) · ROI-NJ
- 2015-03-19 [First quarter Central Jersey promotions, hires - Central New Jersey News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaVh2WlpKN1pjRHFvbGY5TV9HdF81V0MzbHJvOHBXa05BYzRzY2NsdlpodWZ2bDJ2VGQ3anBucG5kT3p3cmo1UVhnT1l3dk5DQ1JrOUUxbURUbDNxeFZnanJ0RTRqYlVOVGNsZ1F1NEtudmVHZGtJUDBGZ2ZrWm9Tbl9wNnBqYmVIZUx0OWtiMmE5bGdmbUNidzJiLWZPa2NTQmJ1VUNqLTc4dUh6c05NTTFfck0zLTEwY2d3?oc=5) · Central New Jersey News
- 2017-01-27 [Roselle Savings Bank CEO retires - NJBIZ](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9aVUhWWDRGazNuUExvd1BZaTczU1NJZGJTSEdCRzFxSFh0QjVIM2MxRVI3bU5BbUI0Q082bndtSW5yRGhrY2JSakJRN2lSV1RMdU50OXZyODBabmRCUTBGSQ?oc=5) · NJBIZ
- 2018-02-04 [Summit's Nancy King Honored at Family and Children's Services' 125th Anniversary Celebration Mar. 1 - TAPinto](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWnBRMVJOOExPRzdoc2puNHJfVHVVT1FGbEFseDJjQUNxcWZ1UVM4eFFDakcxWHQyOG41dU40NGd5U1V2V3ItVEUtUDFIM0VoSzVQam1kUkZ5ajhQMUI1NHJobDh2eDJGbTVPSlQ3ZmxIeXN3SGJkNkxwV1U4c3VZS2lBNDBPUUNHTkI1X2g1N2xtb21pSTduaEJRNjRZR0xSNndpZg?oc=5) · TAPinto
- 2009-07-21 [Joyce Kanter Obituary (2009) - Newark, NJ - NJ.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZnB0b2wtUnNGdW5GRGN4UnlTa2lVOFZDT1hmZVNPNEtod0tsc21YZzBidllwbWYwSUh3alhwTl9TeFNybFBUeEFPQ3FKelBfaVI1dUNDcG1JNG9XUDFlcG1JMjBOMzVHemFheEJiQm15OXdDSjNBS2JWTDhFcXpzb0QwcS03VVhzR2lYdw?oc=5) · NJ.com
- 2019-12-22 [F. Coddington Obituary (2019) - Newark, NJ - NJ.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQYUp1WFJOR1lvSkctY0loQnJQY2JWMVNVXzJkaFg2ajRHQXFOR2dTX2l3WDZCazQzZnFqLVZ0VWdvakxMWEhlbjBBTEluZkVDZ3d4M3dMQl8yT2lFc0stOXA3bzc0emFlQ3RyS3hYdDJVZXYtRDJJd3JDeDFOZmdkdUZaOEk4enRGWFRN?oc=5) · NJ.com
- 2011-04-04 [Gov. Christie names task force to study potential UMDNJ, Rutgers merger - NJ.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9oRm9CR0ZsSnA0MDFhVTlnNjZTZldpQVVHOXcxSjJJQlJpZHF6SlNDbTl3N2ZIMGF1LXM3eWVUeGtTRXJQSkFhRm9FVnRtZEdqR0F1RFRsaFhKeTdXOUgySElHNXdzNWdmU2l2azFGSmJzZkc3?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35235 (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/35.json (key "35235", 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