# BEACON FEDERAL
EAST SYRACUSE, NY · FDIC certificate 35329 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 7 (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 | $911.1M | |
| Deposits | $637.0M | |
| Loans and leases | $702.1M | |
| Total equity | $111.6M | |
| Loans / deposits | 108.37% (p97 of band) | 75.94% |
| Liquid assets / assets | 18.47% (p20 of band) | |
| Uninsured deposits / deposits | 15.76% (p65 of band) | 12.76% |
| Brokered deposits | 8.66% | |
| Wholesale funding | 25.86% (p96 of band) | |
| FHLB advances / assets | 8.06% | |
| Tier 1 leverage | 12.27% (p85 of band) | 9.72% |
| Unrealized securities loss / equity | 3.68% (p44 of band) | 4.38% |
| AOCI / equity | 1.75% (p80 of band) | |
| ROA (annualized) | 0.49% (p25 of band) | 0.85% |
| Net interest margin | 2.95% (p13 of band) | 3.69% |
| Efficiency ratio | 67.95% (p49 of band) | |
| Noncurrent loans | 4.17% (p82 of band) | 1.75% |
| Net charge-offs (annualized) | 1.27% (p94 of band) | |
| Reserve coverage of noncurrent | 40.27% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 11.05% (p21 of band) | |
| Auto loans | $151.8M (21.62% of loans; DQ 1.70%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -13.1% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, securities losses >30% of equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | reserve under noncurrent |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | charge-offs p90 | securities losses >30% of equity |
| 2012-06 | 4 |  |  |
| 2012-09 | 7 | auto book souring, deposits shrinking, assets shrinking |  |

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

- 2026-01-21 [Berkshire Bank is now Beacon Bank: What customers need to know about the transition - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNTFAxOWtRVkgxNVdaNFc3OG9lTElCWnJqU01Fb19XRXRNSUVpdkhmdnZPNkNIejNrQWNBdkIxdktsaHVhRlVrN1ZWTlFWQTl0Q0tJdzhoT3JnY1Y3c0k2elJVSVdJbmVjR1ZLRklWVU1jQzhQUWs4OV83OG5tdHJXQ3F4UHNLQjJDeG54Uy14NGlhTWNNUGtOSEoyS3NudjZBZGlWUHNGNHI3RWp6THRIY0N0aEJpbnpKLW9kc1AxUGEtVnp4ZnZqcDktbVZUakI1SHNPWA?oc=5) · The Berkshire Eagle
- 2018-04-23 [Berkshire Bank welcomes five senior managers - Vermont Business Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxORXNubFlZaVprdE1aZGJldi1tRmdQVFg0V1oyLV9ldFF3WjczVE5uN29qUXpjT1RQa3RYLTFlOF90TTNwc1I3cVhXS0tKQ0hOUENPU3FWdG04SnVJb3lPQVNOY0pQMnFSQ1J1QWpnalNnLW9ocmM4S0VCWnpYMlU2SFlSNktDZw?oc=5) · Vermont Business Magazine
- 2024-01-21 [Obituary for G. Muriel (Craw) Finger - Seamon-Wilsey Funeral Home, Inc.](https://news.google.com/rss/articles/CBMicEFVX3lxTE5uTDVHVzN3dmZ6dGJCUGhhWHg1RlBJd2FrTWpzTVMzVGdEMUNBNF95a3NLamlGdEswcHQ2elhjTzhoS2d6cXJJeTFHSzI5SUZOX1BWeVg2eWRDazZvMUFBRmRWMk5Cbk0xYXk5bVdsQlM?oc=5) · Seamon-Wilsey Funeral Home, Inc.
- 2025-03-17 [Kenneth A. Stagnari Joins Peapack Private Bank & Trust - newmediawire.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOG5TSHF1QWM1WEpfbmxTb21JajNZMFpNb2NReGJoczVTYlBXX1NmSDFPN092M3BwVFBxOXZhUi1RbVl1bUVHQ0RMS2sxSXJ0UkdzR1lrWVJQT2Q1aVlKVWhGNlpIQ2VxRkpPYW9VSEZjYTlib1FyUEV0clRNb3dJRzZPWV9TeWpZSkRScy1HN0VuZndWNXk2SQ?oc=5) · newmediawire.com
- 2015-07-10 [Citizens Tri-County bank to buy McMinnville bank - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxOVnlCTzN0S0FNN3NOd01VSmJNclpacldUUHNwZHhyRUtJc3hoXzRydE1Sc21hS2VweGQtZkJmLUdReG83OW02Ump1M0RXVVN0RmZfdkNWTTJlRU80ajlSZ0F3NjlfVkJSTUdaak5TSEtNdjBpRHpmZ1pEemhUeVF6SEl3MXhOZDI2dmlkdFF2eGtSY1hxSHcyNTNR?oc=5) · Chattanooga Times Free Press
- 2024-12-07 [Ross Prossner Obituary (1948 - 2024) - Cazenovia, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYUxSVENDOWFGbUV3bEc4b2lVTGc2Vy0zMlh4ck03TmlfWkViT2wyZWlrdHdLZDJONTAzWnhabE1yaVowX2ljbG5MZF9QR0RjRXptYnM2c1IycXZkcTEyR2RKN0JWTjlhNXN2RHlEd0ZYQmxrUlJ1clFPcF9ZNGNvR25Sdm80YUVNUUJNYS1PR1Q4eVU?oc=5) · Syracuse.com
- 2008-04-09 [Three suspects arrested in bank robbery - WSTM](https://news.google.com/rss/articles/CBMifkFVX3lxTFBIc1hQeE9YSXh0dG1OWmt2VDhVcl9hbi1LdmdNdEJ1bEkyYUVJTlNnVUE2Y0EtTFhuY3g1cTNEWElVZV8yWHlqMGNtSE1GSHNPSWdJV2I0bUpvM3Nna1A3Y2k0b0FUN2pBaVNXTlZYcFgxeVBIdlZpckw3TGhUdw?oc=5) · WSTM
- 2008-04-08 [2 bank robberies occur in 2 hours in Marcy, Utica - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMijAFBVV95cUxONHlJdlZRTXg2YW5zcElzRFc5cWJWN0lVcWNUQnJrZVJUVjFKWURCNUY5cWV6b2NaRkJQVnR1aUVCam45eE9JQTNPUFZ4eFY4d2F0RUI0TTFoZ3pYUTRjZUNIMm4tVTFOTE0zREYtTHEwOVhORUFLSHBodzNzcmI2Z0czYWh4OG9OYWlndA?oc=5) · Utica Observer Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35329 (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 "35329", 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