# PASCACK COMMUNITY BANK
WALDWICK, NJ · FDIC certificate 57215 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $390.8M | |
| Deposits | $297.3M | |
| Loans and leases | $321.9M | |
| Total equity | $36.0M | |
| Loans / deposits | 106.87% (p93 of band) | 82.78% |
| Liquid assets / assets | 11.38% (p10 of band) | |
| Uninsured deposits / deposits | 24.24% (p65 of band) | 20.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.56% (p81 of band) | |
| FHLB advances / assets | 14.33% | |
| Tier 1 leverage | 9.07% (p23 of band) | 10.05% |
| Unrealized securities loss / equity | -0.01% (p32 of band) | 0.46% |
| AOCI / equity | 0.00% (p72 of band) | |
| ROA (annualized) | 0.37% (p11 of band) | 0.91% |
| Net interest margin | 3.86% (p67 of band) | 3.59% |
| Efficiency ratio | 81.49% (p83 of band) | |
| Noncurrent loans | 0.77% (p54 of band) | 0.71% |
| Net charge-offs (annualized) | 0.08% (p66 of band) | |
| Reserve coverage of noncurrent | 168.26% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 3.26% (p6 of band) | |
| Auto loans | $9,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 1 |  |  |
| 2012-12 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | deposits shrinking |  |
| 2014-06 | 2 | assets shrinking |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | liquid assets <10% |  |
| 2015-03 | 1 | loans exceed deposits | deposits shrinking, assets shrinking, liquid assets <10% |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |

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

- 2019-01-16 [25. Bruce Meisel - NJBIZ](https://news.google.com/rss/articles/CBMiSkFVX3lxTE9FS0VjZTh5VjFzSi0xQ2xWRGRhWTBvMi1UcHlZLVlmMTMyMHJaWDY3clg5SWtLM1RqZ1E5Q0V2R1JISjByUXBZU2hn?oc=5) · NJBIZ
- 2016-05-26 [Local residents promoted at Lakeland Bank - Bergen Record](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQjd5elFUbDlIellLQ0JJMzVWZFUwOG50dTZrOGJVQlVsYklxZUdyZ3J2WFF3N3lSRC11SW5HalgxekJHUmpraWM4OXB3OVVJTzIzajJWYmZVUkxiS2FNaTJnaDU4YWdkV052WU9QVUFlVkg1VjBfb2xYVTlaR0MwQjZhVDNVTVZaRk5sZ1d0UXhkSHpQdFhzekt1ZHdnb21wUXNnVDFSTGJ3QXQt?oc=5) · Bergen Record
- 2017-12-06 [Robert Zawitkowski Obituary - Westwood, NJ - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNc2J5dWZGQ2N5OTB0WGRjem5Td1pmX3lqLUNaT25tcVpTd2E0ZjZBdkVfVjNrUU1JTDNXLXhzWHNSWUdCc0tweXlIX0EyMXA5RHRkQVNWT1JfN1VXVWJuakp2YTUtWU5RdmpYZ2l0ejM5YkJXeDFHZElRU1RVLUtZNURpTDhSNmp4?oc=5) · Dignity Memorial
- 2013-11-18 [Where Can I Donate Food to the Needy? - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPeXRHSVVHdFdWTVQ4bU5yOU54ZF9GaWlmRVpSci1fUHRKcW1QTUZpOTc3Uk5qQ1ZXejNnQXQ0OUVDSURGMng4blRyRVFmZXJQd1VtUjJuei1qT2hiQmFRYmhvVmdMNXYtVlF2eGFGODMwWm9wUVN3Q09BNHZ0ZjNhUU52a1N0RzB0?oc=5) · Patch
- 2013-09-16 [Stanley Marcus Obituary (2013) - Fort Lee, NJ - The Record/Herald News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTVRTY0tRY2pQUmpwNFZrQmN1N2ZVY2EwLUdsenF2SGI5X0tINHlpb3p0bE9jWDczYVBqNl9objFTSVpGQkQ0ODNaSXo3eUV2ckk3ZWhITFlfU1dFS0VYc2hhWkRBNmVqdmRZVDZtb2RYME5kT1JFYkRmUEdSQVBUUzA1SXNpWi1oaWVKa0thTWtYMW8?oc=5) · legacy.com
- 2016-04-28 [oritani-bank-hires-dumont-resident-as-senior-commercial-banker - Bergen Record](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQd2RKZnVfZGdtamNING1OQ29qWGNidk1xT2JBYVlHbHlPc0dhWHZqUWRjdU12a001OUhWWGo1V3l3X05CeWNfN2tkNU5LNVh6Zm5OX19rOXdzM0xBMjFwc0pFM2RaT1E3TmdHbzFRVTRLVDNTQ09WVjZFUjFMTUJmcmlUYXJKMmdTMmMyTDNwakdhbmE2Nm5RLWdKWGRDdVpJaU1LemhKLVZEbXFZRV9lNzhVZHdONkFJcnlRbWtxdVdBSXpnc3lyY2VHSzM5TXZncUhOWjNR?oc=5) · Bergen Record
- 2022-12-05 [Rita Cordova Obituary - Westwood, NJ - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQYWdzYXcyUU1BMFR5N2ZuaVQ1U3lRZVBCeHJsZ1RNSkxIdzlCOXJuS2J1aHZidXVYTlJlZUpSeC0tOURfVzNadFpQRk4zbk9ReE8wdmVpLXBJbnRxUEdDeXBMZFhFQl96bFFxaFppS1ZON19wWnlHekRfbTljMkpGaHNn?oc=5) · Dignity Memorial
- 2013-01-08 [Objector Comes Forward Against Westwood 7-Eleven Plan - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUnhtU2FzWWllWDJvcFlpekNocVdiX3I0cG16Y2dMT2JwQ3pQeU5jS0s4bnkwMGdoMm1iTktqME5Vbm1tTERCWWx6bGVTcW4tXzBvOGtoamxVcDc1TVAtUXhWOXEwUHFaUkI3Vy02N2MtOS1jdmZKU2xMbW5GVDZDa3JkTFBaMUdKY19CVG1tYzFOYnVLNEZUUWNJbE4yYlpxVFFJ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57215 (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/63.json (key "57215", 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