# INSURBANC
FARMINGTON, CT · FDIC certificate 57020 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $178.4M | |
| Deposits | $146.0M | |
| Loans and leases | $88.0M | |
| Total equity | $21.0M | |
| Loans / deposits | 59.68% (p37 of band) | 66.54% |
| Liquid assets / assets | 49.77% (p74 of band) | |
| Uninsured deposits / deposits | 46.76% (p98 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.72% (p74 of band) | |
| FHLB advances / assets | 5.72% | |
| Tier 1 leverage | 11.72% (p72 of band) | 10.04% |
| Unrealized securities loss / equity | 0.62% (p28 of band) | 2.48% |
| AOCI / equity | 0.05% (p89 of band) | |
| ROA (annualized) | 0.37% (p26 of band) | 0.72% |
| Net interest margin | 2.73% (p13 of band) | 3.55% |
| Efficiency ratio | 81.18% (p64 of band) | |
| Noncurrent loans | 1.00% (p45 of band) | 1.19% |
| Net charge-offs (annualized) | 0.07% (p69 of band) | |
| Reserve coverage of noncurrent | 91.71% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 14.78% (p50 of band) | |
| Auto loans | $18,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 18 | |

## 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 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |

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

- 2013-04-22 [W.R. Berkley Corp. Divests, Connecticut Bank Acquires InsurBanc - Insurance Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNVjV1RWc5MWZpUFZLckkxbGhiLWdZc1BLLUJ5R1AxN3RCakN3UzNwM1FRU2lhUDllR2VjOTVDVG5IbV9HUVB5U2czblA0NVRuRXZWaTYxWGM5RTJlbHBVRjZYQUVmRndyWHVKdGtfX0w4OW9MbFhlLXBPN296YUFOMFExRQ?oc=5) · Insurance Journal
- 2026-08-24 [CT community bank names new CEO - Hartford Business Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE54UkVfblN1ME4tVlBaNENyZ3QtendVb3RIMkdhdkxaMUNmcmZOTlB5ZWYwanRNS3hqNDU0SmNkNFJJTm1GSnY5SlBuOEdXWVBJamtQbXhidDlZOWU0TmZhQlRYQlZRRXpHWkthT1ZnMHc4QTNZcWlOdA?oc=5) · Hartford Business Journal
- 2013-04-08 [InsurBanc Joins Connecticut Community Bank; CEO Says Its Mission Remains Same - Insurance Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE80VXZ0T0hneDJhYS1RUWt4ZXJLNWZHNW45QkIwMzRacVZhek56V2NIekRZRkg4N0tkMlhhS3pjTl9DZVk4YksyckxtbnZjTVA4WElFQ2hwRjRidzdaQTBEXy1jZ05Xbm9CMkxVQmVDbzU0eW5GUGdV?oc=5) · Insurance Journal
- 2018-05-22 [Why selling your agency might be the worst financial mistake you can make - Insurance Business](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPUFVGdUpCbjFoOVpiUHZQUHdIOVNLS2FGZXgtTUZCZGRhWWxlMVg3Z0FNU3FyN2UxOXpSSkRQdlI1NHJEd1hkTDZ3b2hrR0RNZTlvWVVJQ21aYXhWN2tsT1ZqUmdlNlNDMlM2dXVSSG5CU3pna0VIU0htMFlYVjMzRGZxdGpSRHh1b0dWckJOeGxGQnI1MlZYZU9qeDRVc3JrM29rRm51X21VTndMaVBLaHNwSEhxVy1KYUc3c2Q4RUU2ZF9SQUY5MlliV0c3V2xMU3NBbFpfMnZrQUk?oc=5) · Insurance Business
- 2014-07-29 [Re Results Blot W.R. Berkley’s Otherwise Soaring Financials - carriermanagement.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFA2bWpjaG03NDVpczhfQ2YxSGNGTXBkeDNkV0hLWUtTZk96RnFWX0p4NWZWVGUzdWJKdkVpeTh5SW1ObnJqZmg2TFNKRm03dk9nU3VMUkpYQmx4alpxR0lvQ1hUaG9hQ2pnWXVjVA?oc=5) · carriermanagement.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57020 (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/60.json (key "57020", 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