# NEW ENGLAND BANK
ENFIELD, CT · FDIC certificate 35378 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $729.0M | |
| Deposits | $586.4M | |
| Loans and leases | $561.2M | |
| Total equity | $75.0M | |
| Loans / deposits | 94.74% (p87 of band) | 75.94% |
| Liquid assets / assets | 17.04% (p16 of band) | |
| Uninsured deposits / deposits | 11.27% (p43 of band) | 12.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.72% (p63 of band) | |
| FHLB advances / assets | 4.39% | |
| Tier 1 leverage | 7.98% (p12 of band) | 9.72% |
| Unrealized securities loss / equity | 1.33% (p21 of band) | 4.38% |
| AOCI / equity | -0.14% (p14 of band) | |
| ROA (annualized) | 0.69% (p39 of band) | 0.85% |
| Net interest margin | 3.43% (p34 of band) | 3.69% |
| Efficiency ratio | 66.32% (p44 of band) | |
| Noncurrent loans | 2.25% (p60 of band) | 1.75% |
| Net charge-offs (annualized) | 0.20% (p53 of band) | |
| Reserve coverage of noncurrent | 44.36% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 61.45% (p77 of band) | |
| Auto loans | $282,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 132 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |

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

- 2026-09-09 [‘Route 91 bandit’ sentenced for bank robbery spree involving 7 Connecticut banks - WTNH.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPQ0RIX1pQZnZfNW1yN3JXRFpVdUhiODNMQnpmRHFxbERSNm5qNTBMMGJkc0NjYUhzeVAyYmlDVFBjSlBpTGNNWlFpWEd6T25iUjAtc19Ed1Y1bnM4NDBDMG9DS2xPVUtHNTBEcEtrRGJWVS1fMDFHeU5iTDR3aFZ0LWphazNQcWFlS3B4OG1QM2t4bTBLYWFGLUhtNDZJU21pUC1FZUZBTWwzV0FFYzJtS0JSaE1DeTUwSUN1VFdR0gG-AUFVX3lxTE9DREhfWlBmdl81bXI3cldEWlV1SGI4M0xCemZEcXFsRFI2bmo1MEwwYmRzQ2NhSHN5UDJiaUNUUGNKUGlMY01aUWlYR3pPbmJSMC1zX0R3VjVuczg0MEMwb0NLbE9VS0c1MERwS2tEYlZVLV8wMUd5TmJMNHdoVnQtamFrM1BxYWVLcHg4bVAza3htMEthYUYtSG00NklTbWlQLUVlRkFNbDNXQUVjMm1LQlJoTUN5NTBJQ3VUV1E?oc=5) · WTNH.com
- 2026-09-09 ['Route 91 Bandit' gets more than 7 years for CT bank robberies - New Haven Register](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeUwtRFRmd1ZUSWw3YU9HQmdsTDMtZjBXcEVYekRJcjFkZ2M1akxOaDdEaEY1M0pfakc5X1hFRjNJanprTFNZNEVMY1NwT2c2ZnVaTk83dG9oLUx0aXJyd3pUSUl5S1N1YjBPRDlIaFliRnQ2QXc4WF9vUWZEOVIzdjdoSHJZNlJrMmpiMUhTdzZsZXRMb0J0aUl5bHc?oc=5) · New Haven Register
- 2026-08-18 [Woman sentenced in multimillion-dollar bank fraud scheme that targeted Connecticut, other states - ctinsider.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZnZxcV9ZNnplZXVYbHE3YmVWS2gyTTJtSDhzME1RNW8xbzhvajRlT0dZamdXYU5lbnAwU2l2RkMxYUcwOWtRTE5iOGxGMElhRzVYMFFtOWtMWDRETFhTUFFGYXpHOEFnRWxxWFg5WUZLeWNUaUJFTnBCN2hwdV9NMUJnazd0QVJEd0d3NDNWenZqSFJua1BFRGM4SG0zYXQwdnM0UA?oc=5) · ctinsider.com
- 2026-07-21 [New Jersey woman accused in identity theft scheme at Connecticut TD Banks - ctpost.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQS3BWNVF0YmFydGthcWNqRGRNQ1NfaVMxS1BUbHlwWmo3ZTI2NTVMM3dUWUpRekdlSmlZYnZfYm15eDZqVzhNaG1reGhTcTJUUk9IRGhsbkEwN21DbExNZ1g0anVDcGYtYVRGdk1CR0pGMWx2ci1INFdzY2JWUkhiYjZEbkI1b2t2RWM2c0JqYw?oc=5) · ctpost.com
- 2025-04-30 [Wayback Wednesday: Old Banks In Northern Connecticut, And What's There Now - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxPU0lvRU8yWVRQN0RVc1NVTzRoX0NOQy13N2RVNXlhRFBxRi1YUEs2YXQ3Rkk4Z19lV0dDVkp0NnpHUmZKNjJEU3dhSFVPdFhvd08yYVRiU1RfWTdnenVnSS1TUGFsUWlZSkxxX04xR2dRUnQ5dndwS0ZxRExkaWVhVGIzNEZIRjV4eWRfVVUwVWp3WVBrVUI4S25hRng?oc=5) · Patch
- 2025-07-26 [6 men charged in fraud scheme that targeted banks in CT, MA and RI, prosecutors say - ctinsider.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPYU5yZWlZNnVrWW9YaUNsQ01JVzIzX0ttRjJaN1RLUjRpVi1uX1NQTnc5SnJYbUV0dklmUDVPN2oxUVgySnVmMC1neWlMYXFhVmFqVzN4YzBLV0pwSUs4aG5VblE0N2pWZjh4LWlXY1M1akNPOU1lZmxNU2xqdXd3WTZOQnpYZm5EWTBXbS1TTVJtNEdK?oc=5) · ctinsider.com
- 2023-03-16 [CT has seen a handful of its own bank collapses through the years - ctinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRkZsXzYzS0R6SW9reVV0cGJMMVpEcE1pQ2pxSUJRMk1FX3F4RHJ5aXRheGlpMGhGQVpiMWJVZzR0cXl4c0JWT01uRHBTNDJVZFh5VUpzaTA3a2h1VERUUklMTXFwckpXZDBKUExWc0ZCek8wcEhjZHhzZEZ5c05qYkJiZkRaX2tDRFBrMEFEMTRlSXFjNDNIal8tQldiakJWRVE?oc=5) · ctinsider.com
- 2022-12-01 ['Route 91 Bandit' accused of 14 New England bank robberies caught in CT, officials say - ctinsider.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQYWNUVUcwVXJCb2ZMLS1zWWFrbUFSQTg3WWhfeWQ2WEJ2cE5HeWhKMzNMU2pQanlzOHkwSC1uU0NZeVpIeEhLcmlSeURqM2dsdy1vbWhqaTduOGg1TkVxdjIwcGdRSWV1WXdhSEdYY1dpVmJIdzRUYXR4TkVhQjZyMHVXR3BSV2pPblF1VUd0dlRmWHBJUFh6Tg?oc=5) · ctinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35378 (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/50.json (key "35378", 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