# SELECT BANK
EGG HARBOR CITY, NJ · FDIC certificate 35512 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $131.0M | |
| Deposits | $120.1M | |
| Loans and leases | $85.6M | |
| Total equity | $10.8M | |
| Loans / deposits | 70.54% (p47 of band) | 71.80% |
| Liquid assets / assets | 32.66% (p50 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.25% (p19 of band) | 9.80% |
| Unrealized securities loss / equity | -63.22% (p2 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.53% (p40 of band) | 0.68% |
| Net interest margin | 3.28% (p20 of band) | 3.84% |
| Efficiency ratio | 72.19% (p46 of band) | |
| Noncurrent loans | 0.29% (p20 of band) | 1.53% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 373.39% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 32.05% (p64 of band) | |
| Auto loans | $131,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 30 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |

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

- 2012-11-26 [Harbor Springs-based bank completes its merger with bank in downtown Grand Rapids - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOakVGa0xhRGlZUzN1Q3pJVUpDbk9FakVwVS1ON3NBdjE1RExWMjM1TUpHaFJsWmZ0dnFERVFUaWNlelJGQWthOHZTSkF5ZExXNTM4TmxTdHdsV1JnRlhOb2ZvX1haSVgxRURvTUF4MTJPWjBYckxlTjBjS2lLVTZscDlNY0puX3hBZkVkV0l5NFY?oc=5) · MLive.com
- 2025-01-08 [Bank of America CD Rates: Pros, Cons, and Current Rates - businessinsider.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPVndTSDBtLUozajhRcDdPSzlNZWxUUWl2WE9mRTk2MU1UeDhRNWNMU2FmeW5aTFdTV2NHaXZlWWNwV21FLXp5Vk9VXzN1Y2NHb1JRbDRmQzREUi1wTUl5bWdZZUpuZHdkWjNYU3BMRjZpLXNuX1hyMFNzRU5oSzh0cU1sZVlVYllL?oc=5) · businessinsider.com
- 2021-11-01 [Transfer Money From Apple, Zelle, Venmo, and PayPal To Your Bank Account - CompareRemit](https://news.google.com/rss/articles/CBMipgFBVV95cUxOM2l5SjZfVlJDV3hDM21Rd040QjJURHpMazRRX29YMjY3Z0pJdHhzYXhOQlg0Y28xOVFRQklpblVpaHAwVmJ1WEQ3ZUd4NWNoUTZjOExZYzhteW1JN2hzREsxMmFoOXFlYmFfNzBneThGNFhzelhqODU4U3kwQlhpSW9XZXpuSHBvRUZDVWNQT21KT2pEd2prWDZtc1NfMjQ0V1IydnJ3?oc=5) · CompareRemit
- 2009-08-25 [Sun National Names Gleason to Head Commercial Banking Relati... - Cape May County Herald](https://news.google.com/rss/articles/CBMilwJBVV95cUxQWkw5MHo3eUljbF9ITnJYeUlCN1ZpX2Q5MjZXVzFxWDVKX21JREdWaEg0QjJnc2dYeU5qeF94czJITWVTZEdVb0xqSFpUSmpadVdFTHdlQnJieENGM29WZktuM3hyWk8tWXRTdG5VZElvUGZqVVpmOWhpQUZhWVNhY2FRb3c2ekpVMTJaTFNLNnktZ0FKZ3liOC0wUTR1RW5tSzI0cEl5OU1CS250NWZabm5vTXNET2RGMGNhUl90VURJRmxicm84SU1JdjJBVy15OFg4Q1FuMVJhVzdJTEh6c0dZSDdEcXRBWGVMS0pfclhCTF9qT3F5Q01nay1sVTFyM1N3RDZSV2ZWUDlhdURtZVJTdDk1Tlk?oc=5) · Cape May County Herald
- 2025-08-22 [Bank of America HELOC review 2025 - CNBC](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9FVEZhZWJxblRmRHM4SDRrNU9MaGZlTTB3LWtZUWs3aHdwb1dER3FLQmt5ZkQ1VVo1Rk9vS1dvejhPU25uX0xwZEowY3RZZC1PVk1kcGxrUFpqelI1Y1RNMlRmcjhMU3pf0gFuQVVfeXFMTXFGX2NLOG0tZ3B0NDdhQVNUMVRSajc2QzZrTVZ1bThGUkU2ajV5UEF4NGl4NmpiTjBZVXhDTlFycXFCemJxNDlUX04ya1A0WUNza3pJczBvWS1ZZy03T01TdFRxX1lkbElqdXhQTnc?oc=5) · CNBC
- 2026-03-08 [Best Poker Rooms that Accept Bank Transfers - Legal US Poker Sites](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1hZGF2YmMtUTBDdF9KUmRzYnVuOFQ3bXBGTGhQVVpIVVItY3hhLW5La1c0emxub1JLRXVwbTNBb0RqZUlEcjhNVEZiRVJjeVZZVkRtTmx4U3VWWVhaZXc0c0ozZUczMm0y?oc=5) · Legal US Poker Sites
- 2021-10-15 [Terence Watson Obituary (2006) - Atlantic City, NJ - The Press of Atlantic City - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOQWtRVFNCRVRvYzBjR3dKaXZmNFRWUGwzWG5hSjM5T1lINzhLdWx6YjJBNW04LTM0QUh1Nld5QzVMemtHQjkxY1pOcGFmenp5Y1FOOG92SFdvcEFsNjgtUm9icjQxZkE0OV9YTGtzMUVUQVpzZzZDdHhfaWNYVUxmTGxtdTRmYVpVSEFfRXJibzU1Z256RkpMbElMUDJ6Zw?oc=5) · legacy.com
- 2017-09-10 [Baker’s Bank - newyorker.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1BZkNqSkZlVDNUMDJ2TUN6MTRKNnY1MklZVjFnWFhfN3ZIaEUwYUxla0htYS1XZjc0NTFaZ1FhX0ZiUUk2ckJBMzl6RU0zR2tnOGFMYmUxb0FpYTVSS2pIWUtiRUpmb1JJ?oc=5) · newyorker.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35512 (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/56.json (key "35512", 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