# MERIDIAN BANK
WAYNE, PA · FDIC certificate 57777 · asset band $1-10B · latest filing 2026-06 · live

**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 | $2.59B | |
| Deposits | $2.20B | |
| Loans and leases | $2.23B | |
| Total equity | $249.5M | |
| Loans / deposits | 100.52% (p87 of band) | 87.10% |
| Liquid assets / assets | 10.47% (p7 of band) | |
| Uninsured deposits / deposits | 30.66% (p50 of band) | 30.76% |
| Brokered deposits | 19.05% | |
| Wholesale funding | 23.14% (p92 of band) | |
| FHLB advances / assets | 4.09% | |
| Tier 1 leverage | 9.72% (p30 of band) | 10.50% |
| Unrealized securities loss / equity | -3.77% (p70 of band) | -7.75% |
| AOCI / equity | -0.11% (p65 of band) | |
| ROA (annualized) | 0.76% (p17 of band) | 1.26% |
| Net interest margin | 3.92% (p64 of band) | 3.70% |
| Efficiency ratio | 64.37% (p67 of band) | |
| Noncurrent loans | 3.68% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.80% (p97 of band) | |
| Reserve coverage of noncurrent | 26.15% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 140.39% (p96 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 327 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **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 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2011-09 | 4 |  | liquid assets <10% |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | liquid assets <10% |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 6 | capital falling |  |
| 2013-12 | 5 |  | capital falling |
| 2014-03 | 6 | construction >100% equity |  |
| 2014-06 | 7 | capital falling |  |
| 2014-09 | 5 |  | reserve under noncurrent, capital falling |
| 2014-12 | 5 |  |  |
| 2015-03 | 4 |  | construction >100% equity |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | construction >100% equity |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 | expense ratio p90 | construction >100% equity |
| 2016-06 | 6 | reserve under noncurrent |  |
| 2016-09 | 6 | capital falling | reserve under noncurrent |
| 2016-12 | 5 |  | capital falling |
| 2017-03 | 6 | construction >100% equity |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 7 | capital falling |  |
| 2017-12 | 5 |  | liquid assets <10%, capital falling |
| 2018-03 | 6 | liquid assets <10% |  |
| 2018-06 | 6 | capital falling | construction >100% equity |
| 2018-09 | 6 |  |  |
| 2018-12 | 5 | construction >100% equity | expense ratio p90, capital falling |
| 2019-03 | 6 | expense ratio p90 |  |
| 2019-06 | 7 | capital falling |  |
| 2019-09 | 7 |  |  |
| 2019-12 | 6 |  | capital falling |
| 2020-03 | 6 | uninsured deposits >50%, run vulnerability | liquid assets <10%, expense ratio p90 |
| 2020-06 | 5 | liquid assets <10%, capital falling | construction >100% equity, uninsured deposits >50%, run vulnerability |
| 2020-09 | 6 | uninsured deposits >50%, run vulnerability | liquid assets <10% |
| 2020-12 | 6 | liquid assets <10% | capital falling |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 | capital falling | liquid assets <10% |
| 2021-09 | 5 |  | capital falling |
| 2021-12 | 4 | noncurrent p90, reserve under noncurrent | brokered >10%, wholesale funding >15%, loans exceed deposits |
| 2022-03 | 6 | capital falling, charge-offs p90 |  |
| 2022-06 | 8 | brokered >10%, construction >100% equity |  |
| 2022-09 | 7 | wholesale funding >15% | uninsured deposits >50%, run vulnerability |
| 2022-12 | 7 | loans exceed deposits | charge-offs p90 |
| 2023-03 | 9 | charge-offs p90, uninsured deposits leaving |  |
| 2023-06 | 10 | liquid assets <10% |  |
| 2023-09 | 9 |  | capital falling |
| 2023-12 | 8 |  | liquid assets <10% |
| 2024-03 | 9 | liquid assets <10%, capital falling | uninsured deposits leaving |
| 2024-06 | 9 |  |  |
| 2024-09 | 8 |  | liquid assets <10% |
| 2024-12 | 9 | liquid assets <10% |  |
| 2025-03 | 6 |  | loans exceed deposits, capital falling, liquid assets <10% |
| 2025-06 | 7 | loans exceed deposits |  |
| 2025-09 | 7 |  |  |
| 2025-12 | 7 |  |  |
| 2026-03 | 7 |  |  |
| 2026-06 | 7 |  |  |

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

- 2025-12-30 [PBJ Recognizes Meridian Bank’s Christopher Annas as a 2025 Most Admired CEO - VISTA.Today](https://news.google.com/rss/articles/CBMidkFVX3lxTE9RWG9GWEpUbktHMWpRVi1Wc2JrblVIRmtHOUZWc1paZEx3T2FWMjRlWklhWU9hc1kydGdwMFlYMHlhMmNtZENvb2JaT1lJVldmREpuLVlGaWVmd2FaeDlrMkUxOXZUaFFLd0JsRGF1VGptMEhQaGc?oc=5) · VISTA.Today
- 2026-08-24 [Meridian Helps Longtime Homebuilder Bring Two Major Residential Projects to Life - BUCKSCO.Today](https://news.google.com/rss/articles/CBMiigFBVV95cUxOeVZzM3gtTnFhWUgyRzFZc2tOTE11cFZ2eHdiWkNyRHQ0bjF4YUZsOEZ5NjJzMXRwc0FWZmd4cDExaXV5Yk1vRDRXOUxyX2lUaUdCQXRUMHJneUJsUXFDLVRkeU1Cbm80azFrZnAwWUhMTXgzWDMyalhXcFNNa1JFNTNNcmw5T2lNRHc?oc=5) · BUCKSCO.Today
- 2026-04-23 [George Collier Retires from Meridian Bank Board After 21 Years of Distinguished Service - The Globe and Mail](https://news.google.com/rss/articles/CBMigwJBVV95cUxNcUFrQjM0a2VFRkFXcDEyV0hhRHE4bDNqa1lOMTAwOVptM2RUX3R3WERsdDF5UUh2WEFsdU9JYTQ5V3d4bTZaaFVxX1dQbWFTc0FVZlFHUHJUbjFCODlFeTYwNlpUaS1oQXU1V0x2ZTZqUkZYSTNsUTFnMDMycE5ELXNobkdaTzdCRUFNR1dHcG05QVdiT1RWQjFvSWczWC1zNGl4LWZ2Q09mUUVjWElhSGk2NEpPdE5tdEs2REFaX1ZjTU02S2JaaUtiRjRZS3ZVZ3g1UFIwenB1M1FpWkN0bFg0YU54bUJHcXNTMmkzT3VpNV8zc3lDdlp6aGlST0wzMkRZ?oc=5) · The Globe and Mail
- 2025-12-18 [These banks are issuing the most SBA loans in eastern Pennsylvania - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPLURCdEkxM0xNWVZnbUlTeGljR1VjMjdGSVB5X0E2TF9KN3JHc2QyM2tlR2VkWS1kY3RWbEVGaS1rejdpNUtET0V3ZlpzRTdJdUl6RU5UYWpCRElEejJVQVFmZ05tS0w2dE9SaE93dmgyRmZxNmVKVFVLR3dqYzdwSkhWQkZ4djBPWExicUxLRmtzamE0U2k3dG9n?oc=5) · The Business Journals
- 2026-06-12 [Meridian Bank House of the Week: Bristol Waterfront Home With Delaware River Views Lists for $1.189M - BUCKSCO.Today](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9JWXItRGxyRVVtcVluZkloTWtZUS1vWHBOMzgyX2V2MUlaU05XYk5KbzRxNmZhUnBfcWRiMHc1LXVjN2xNdzkyai14Yjlvc19ROU5PY3M4RTN6Rk90OUE4WmpoY1Y?oc=5) · BUCKSCO.Today
- 2017-03-02 [Meridian Bank in Pa. to buy wealth management firm - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxObTlCOUVFelA2TGdWZDVzLWhkWHFsX1lBV0Y3S1N2VGlxV0pqN2ZOVnNab3BjeHQ2MVBaellMUi1lelY2OU9kUnpKR1BORmRid0gwWExqNUpVNllzTndlNHlXdDZBX0VjakttNHNIbFljelJaWXNITVdLTHNJNF9abGdLRzJhQjVBbWNMYWdR?oc=5) · American Banker
- 2025-04-23 [MIDFLORIDA Credit Union to Acquire Prime Meridian Bank - Tallahassee Reports](https://news.google.com/rss/articles/CBMingFBVV95cUxNNkNfQjg0OEc4SndUTUxWNGNDZVdSbVZoQ1VzVXJCMDBjcmtQSEpaYVJDMF9ySTloWTlQb2VybEZpV1Z4cDRKSVVCMFUzUnJDUnJzcTlISms2azJxb0FldU82bXduVnZDS3hsYVlDQ3RfUTNXVEJKeUI4VG1FT3BINTUzS3RSS29feThGb00yU2NzaEdWTVFHZ3VXM1Zvdw?oc=5) · Tallahassee Reports
- 2024-02-07 [Meridian Bank supports Pennsylvania Veterans Museum - Delco Times](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcXVLSC1mTFR6VDR1NnVIM3VmbV9nVEpvZV9zdVQzSlRzMXFkTVVYTjkzQzNiSzNLZXA4RTFtVHJ6ZkllUERHREc3TlVlaVN5UHgtYkpBTTlwamdBZmxYNFM0RS1ZX2p5dnFhU0xBR3pnMFRBLTA3aHRzWXFLTGt2ZTJERnZnVUowbF9HbG9PYmkxNDNBMDBZ?oc=5) · Delco Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57777 (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/49.json (key "57777", 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