# LIBERTY BELL BANK
MARLTON, NJ · FDIC certificate 57524 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $152.5M | |
| Deposits | $141.4M | |
| Loans and leases | $124.8M | |
| Total equity | $10.0M | |
| Loans / deposits | 87.44% (p71 of band) | 75.88% |
| Liquid assets / assets | 15.49% (p15 of band) | |
| Uninsured deposits / deposits | 14.77% (p47 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.53% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.80% (p1 of band) | 10.88% |
| Unrealized securities loss / equity | -1.21% (p38 of band) | -0.66% |
| AOCI / equity | 0.41% (p69 of band) | |
| ROA (annualized) | 0.18% (p12 of band) | 0.85% |
| Net interest margin | 4.04% (p69 of band) | 3.74% |
| Efficiency ratio | 88.50% (p87 of band) | |
| Noncurrent loans | 1.59% (p78 of band) | 0.56% |
| Net charge-offs (annualized) | 0.32% (p91 of band) | |
| Reserve coverage of noncurrent | 60.79% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 143.41% (p98 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **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 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 5 | losing money, expense ratio p90, noncurrent p90 |  |
| 2012-09 | 7 | leverage <7%, charge-offs p90 |  |
| 2012-12 | 6 |  | noncurrent p90 |
| 2013-03 | 2 |  | capital falling, losing money, expense ratio p90, charge-offs p90 |
| 2013-06 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2013-09 | 7 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2013-12 | 10 | leverage <5%, AOCI drag >20% of equity |  |
| 2014-03 | 7 |  | charge-offs p90, deposits shrinking, AOCI drag >20% of equity |
| 2014-06 | 7 | noncurrent p90, deposits shrinking, uninsured deposits leaving | leverage <7%, leverage <5% |
| 2014-09 | 8 | charge-offs p90 |  |
| 2014-12 | 9 | leverage <7%, capital falling, construction >100% equity | noncurrent p90, uninsured deposits leaving |
| 2015-03 | 6 |  | losing money, assets shrinking, charge-offs p90 |
| 2015-06 | 5 | assets shrinking | deposits shrinking, capital falling |
| 2015-09 | 3 |  | construction >100% equity, assets shrinking |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | construction >100% equity |  |
| 2016-12 | 5 | uninsured deposits leaving |  |
| 2017-03 | 6 | capital falling, charge-offs p90 | expense ratio p90 |
| 2017-06 | 4 |  | uninsured deposits leaving, capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |

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

- 2026-04-17 [Cherry Hill police raid home after man found shot at Liberty Bell Bank Plaza shopping center - 6abc Philadelphia](https://news.google.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?oc=5) · 6abc Philadelphia
- 2026-04-17 [Man arrested, charged in Cherry Hill shooting that injured 61-year-old man - NBC10 Philadelphia](https://news.google.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?oc=5) · NBC10 Philadelphia
- 2026-04-16 [Man found shot in vehicle at Liberty Bell Shopping Center in Cherry Hill, NJ - 6abc Philadelphia](https://news.google.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?oc=5) · 6abc Philadelphia
- 2021-08-12 [Liberty Bell Bank Names Liz Thomas to Advisory Board - Insider NJ](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSWhnV19BdEMxSVFxSndidUdCa05WdmtmLXFkdmxBTFpOdk9ZVktxbGdKeUxVUEZ0NnBtWXZWNGk1ZEwxWjA3dkZ1MTZqTVl2d0hvQkdVN1FtMFVuVk15LXU5OERhS2RrcVlMa3dmaW1vUjNlVzlfWjFxTkdWRTlHbDZVaXV1U3JVcXJyc043UWxxeW94?oc=5) · Insider NJ
- 2022-11-04 [$74K Stolen At Gunpoint From Moorestown Bank, Police Seek Suspect - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxOaENqX3VGaEttaU15LUgxZ2lLc1dxb0NkeE5RVWJqMzB5NHRqNk9hTkFOcG5ralcyYV9HQnpRY2Y3Q1dYaXdRRHVsb25EdUMzRDBvT1U1d0pRbmwteHMwMG43SHFCY3U3REdYTUNOZDhEOGVFYWkzVlBfV1ZyUzdtWmc0QmRWRWRkUmxoMUJMLTZENlRyemFqWW9mUQ?oc=5) · Patch
- 2013-07-31 [Check-kiting scheme deepens Liberty Bell Bank's earnings loss - burlingtoncountytimes.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxObm9fWFpZMzA5eUtkT3F1dm1EX0lDTUZqUzRZZ0c5Z19aNWtwdFAyMjVLbFg2NTlKQkVqYmc2V2JQZkdNdDRfUG1vVlhranIzS21nbk1iRTRyX3NCSG5FRFpDMkwtb1pmcEZDU1VpdjFlRjctR2Nib1FBbU9WZjMza3NqTmpHWkRXM0hpTHp6U29makVnYm04T0YyUVI5VWdELVRwV0w4NFRtMWJhRlRncElEQk0?oc=5) · burlingtoncountytimes.com
- 2026-04-16 [Cherry Hill police probe shooting at Liberty Bell Plaza parking lot - Courier-Post](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOUTM4cEszcnFQYkRmS1Z5T0FJREFHVVFBaDdOOFJGRWJMMXgtUnFTRE9WNjFCTVluWl9VZ1NXZ0RZUkVkc1NKZFNmaUpQWWprbUtWU0RqSXloZW14c0dLQUhmNlRzamtWT3Y3NlhVdS1ZcklBbUhLSGo3b1l3LXBaN2pKR2NsWF9sQXV1NWlScjFESk9mSEY4aGRRNU1OajQ5U0sySWJmdE5jTmJ1aFF3cVlzMnBBelBnbnY5QWhic1Vnbk85MHM4Nk5YNy12dkJVNGFiYlJnUQ?oc=5) · Courier-Post
- 2026-04-28 [Man charged in township shooting - South Jersey Media](https://news.google.com/rss/articles/CBMikwFBVV95cUxPU28tVjktUW5OdVNnN2Q1VDVRZmxWdmVmVDY2WmpMaWNlSHdhc0pPOTU3QTFzRFA0QmxoZUhkWVo2eFd2NUJBdUgwcEs3amtId2pOcG1HMGdHRmlhWkxnUHo4aWJ4b0tDb3dKSkpNY0NhV1ZGQkdkYURab2RkWVRhdi1XbFJqb2lYcy1lOGkwZml4dWc?oc=5) · South Jersey Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57524 (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/52.json (key "57524", 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