# ALLEGIANCE COMMUNITY BANK
SOUTH ORANGE, NJ · FDIC certificate 35265 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $130.6M | |
| Deposits | $108.7M | |
| Loans and leases | $87.3M | |
| Total equity | $7.6M | |
| Loans / deposits | 79.41% (p68 of band) | 71.39% |
| Liquid assets / assets | 31.04% (p45 of band) | |
| Uninsured deposits / deposits | 25.86% (p96 of band) | 8.02% |
| Brokered deposits | 4.90% | |
| Wholesale funding | 15.62% (p91 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.47% (p3 of band) | 9.99% |
| Unrealized securities loss / equity | 3.46% (p48 of band) | 3.72% |
| AOCI / equity | 1.94% (p54 of band) | |
| ROA (annualized) | 0.48% (p36 of band) | 0.72% |
| Net interest margin | 3.39% (p23 of band) | 3.86% |
| Efficiency ratio | 85.63% (p75 of band) | |
| Noncurrent loans | 4.85% (p85 of band) | 1.48% |
| Net charge-offs (annualized) | 0.57% (p81 of band) | |
| Reserve coverage of noncurrent | 22.71% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 29.40% (p63 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 | – | |
| Employees | 23 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, leverage <7%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 4 | capital falling |  |

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

- 2023-12-29 [Michael Shriner named CEO of New Jersey's BCB Community Bancorp - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUnhDY3AyMWh5emVfUnd0bjIzWEFvQmFxWmxiRUxfeXRBeng2U0ZpZWtoaWRKSnNycDBLbWVzeEFkVXBsUGliNXdKcHZwRUhqM1M5LUFGalZvWk9BNE1nYlJiRmZmRmltSWxFbGQwRDVSRXNaT0MtaTN1U0FRN2t6THRVbTNyOUY0aC1NNkxwOXpDTk5zcUc0aVlqNmxTR2s?oc=5) · American Banker
- 2020-11-02 [BCB Bank celebrates 20th anniversary - ROI-NJ](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYTlxNmEtN2JFSnFzRXpueDhENWNGYjBFMnRZUnBtUUI3SGpsc19yd2RjanB2cTRkY2FSa2VBbklNWkpxYlJXYVpJMHhfNGpheTl2Q0YtZklMVk9PTEtWT0UzM3N1NUtlRkNzNExuZndGZzNzTDNkWG15M0d2YWZ1aW8xZnBiZw?oc=5) · ROI-NJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35265 (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/1.json (key "35265", 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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