# GREATER HUDSON BANK
BARDONIA, NY · FDIC certificate 57145 · asset band $300M-1B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $537.9M | |
| Deposits | $413.9M | |
| Loans and leases | $387.3M | |
| Total equity | $55.4M | |
| Loans / deposits | 91.82% (p65 of band) | 86.08% |
| Liquid assets / assets | 25.14% (p59 of band) | |
| Uninsured deposits / deposits | 38.44% (p88 of band) | 22.10% |
| Brokered deposits | 3.65% | |
| Wholesale funding | 15.68% (p87 of band) | |
| FHLB advances / assets | 11.88% | |
| Tier 1 leverage | 10.55% (p51 of band) | 10.52% |
| Unrealized securities loss / equity | -4.62% (p18 of band) | -1.90% |
| AOCI / equity | -1.29% (p39 of band) | |
| ROA (annualized) | -0.30% (p1 of band) | 1.13% |
| Net interest margin | 3.62% (p40 of band) | 3.77% |
| Efficiency ratio | 78.54% (p87 of band) | |
| Noncurrent loans | 3.49% (p97 of band) | 0.49% |
| Net charge-offs (annualized) | 0.53% (p96 of band) | |
| Reserve coverage of noncurrent | 53.74% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 119.70% (p95 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $10,000 (0% of equity) (p88 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | reserve under noncurrent | deposits shrinking |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 3 | construction >100% equity |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2016-06 | 2 |  | noncurrent p90 |
| 2016-09 | 3 | noncurrent p90 |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 | charge-offs p90 | capital falling |
| 2017-09 | 3 |  | construction >100% equity |
| 2017-12 | 3 | uninsured deposits leaving | noncurrent p90 |
| 2018-03 | 3 | capital falling | uninsured deposits leaving |
| 2018-06 | 4 | losing money, construction >100% equity | reserve under noncurrent |
| 2018-09 | 4 |  |  |
| 2018-12 | 7 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |

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

- 2022-09-09 [Greater Hudson Bank to be acquired by New Jersey’s ConnectOne - Westfair Communications](https://news.google.com/rss/articles/CBMipwFBVV95cUxNbHFNaFdCTnNHUEs3a1pQckJseFpRNDFSR1dGZzdSY3NLMlFHLVdwUVZfY2EtU1NKdEJaR1dWLW9CVDl4cGF3NzZjVXdHZ3hST3lxbEpWelJrU0FZWmtiTFVPYUtVUnUwbkFYZmd2MEstQXcxRlR1VXBHWVI0UTVEQTFpOWxWbTZRU1NCVDREb1h4LTJKcWtYTkh6bVdzaHBhWndaVDgwWQ?oc=5) · Westfair Communications
- 2013-01-23 [New V.P.: Shannon Boyle Promoted at Greater Hudson Bank - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZ3FIYUpCVnZ0MXVvVHF1WGFOd1l2SWY5ZV93cW9FamNwak1KdGRLSVVoUDFrLV96UW96cFR5NFlMMTFqX1NSZHJaUUhWaFBSTm45Z2hxV2RmdTRKdENONlkwRndxaGNpN0sxdHV0bXRtTVVZTzhWcGVFa0JVMmppQktaRzI2SDlwVloyaVBqcTdoMmE0NHc?oc=5) · Patch
- 2014-12-16 [Greater Hudson Banks hosts holiday open house - www.warwickadvertiser.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQWDVfN0k5QVBGV1FMRDdtOW9TYVlOSHc5SE4zRnNUV2NZaDRQZ3U2OUlqZ19feTFYWjJvd18tbG5ad2NydnRLY2NhamxFRmFVcHROQ255TzhaNllmbUpoZHJWRGxQSmZ1Z2p1SlhyWGJBbDFRc1RWZjl4WlVWVE1aR3pQY2U4SGE5SmhtcC1KN1NYOG04LWVqTGxXWVl4ZGg5a0VVOEY4T1F3QlFGYl9ad0JMOHVMdXdw?oc=5) · www.warwickadvertiser.com
- 2022-09-08 [Greater Hudson Bank opens fifth location - Westfair Communications](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNmdYcGhfa2R0M2c1V20tNDhRWjZDZ3RDS2U0dFJyeHltVmdZblJzcE5kVUhFYnhROEVqbzd1RGRYaWdNUDUwRkNhTTdTYTU3c0NpYURPMEtQVEZuWXp4TkZLaDVfeU9NeHFvbU9kc0pKT1JmaEJKc1hMeWRUUmdqMGJPV0p0czI5Y0VhTA?oc=5) · Westfair Communications
- 2019-10-30 [NYLIB Announces New President Edward T. Lutz - PR Newswire](https://news.google.com/rss/articles/CBMioAFBVV95cUxNS19GcEh4OFZtZ0pXM3oweHZOdjQ2UjR1cGZzYXltMnI2QmxpQXNvQkJGTXVvWWdvYnRkUGp4aHlPcXlGS1JwbGJEMkl0M0tkYkdFNlc0X2pXb0g1a3NNQVZZVjlDYWNQVlRYQi1XTzFnNTd3MlNtc1lJQ0ZRZUNnU2tlRzR5b2lPSmVvclNjcW5pTnJtYkhGbDk5SkRKLUJv?oc=5) · PR Newswire
- 2014-01-22 [The Westchester Bank Names Eric Wiggins As Chief Credit Officer - PRWeb](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZ1RuV0JZOG5NUGZXY2pnLUlJVEdYdzJrUFllemVyY3VkRENUaFhyTU5oRTk5LVBHR2p6Z2JvZTZLV3ZwRFdGZUkyV3JsTzJvTl9YNHNnaWlvaVVJTjdKOGk4cWpLQmMtaF9sY1VBVWNmWE5EZ1lfbld0V1AwQkhXZ1hjVENCemJVRHJxc3VrbjNaNXRRRTFYcjJyd2VvZ0ttUDZweGVEOFVoZ2RDRG41X2Z3?oc=5) · PRWeb
- 2016-07-04 [Popular pizza shop rises from the ashes - Times Herald-Record](https://news.google.com/rss/articles/CBMingFBVV95cUxObldhV05BNEh2OXJ6UU5kWlEyR0FJb3Nrc2k5ak1LcnFFUzJXMVM5OTl1R3AwZmtxdjBIbWgtc21ZMGRxSDJ6ZnBEd21uTFNVam5RWlRHNDhheF9zaHJOZ0ZCNmljMnZlcndubUx0N2tPNEVXWEFWQU4ySU5WTW1fTlJvT2FQdjhOOEVIcnh0WnFyUURLb2t4ZDFZNEtEZw?oc=5) · Times Herald-Record
- 2018-11-08 [Michael D'Alessio, White Plains developer, pleads guilty to investor fraud, faces prison - Lohud](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNVEctMVpOQnpEQXNZNEhkenV3NU9GZXQzX1hFNjRkdFV5S28wcnZ2YlNKSGswcjlvdVBOdVhPUWl6ZjM4cUFXTjF1UC0xNXNPVHhPczJWWWtHMnpWa1lxRFAyTGx3MmZwZjJvVWhNYkJwY0V4Y3dZVXI3MDhnRG52VWVUVm1maWhQdS12aDJjU1YxekF0eVloaGNYNGZEUFpLTlFjSjA2NWRLbmFtaloteHZxM3N3bm5id3g1ckFmQWRMMHNIME16TjhmQjZBNlBaSUlycnRXUURJWjk4eU9zanZ3?oc=5) · Lohud

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57145 (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/57.json (key "57145", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide