# BUCKS COUNTY BANK
DOYLESTOWN, PA · FDIC certificate 57804 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $212.3M | |
| Deposits | $159.5M | |
| Loans and leases | $183.3M | |
| Total equity | $22.3M | |
| Loans / deposits | 113.72% (p97 of band) | 75.51% |
| Liquid assets / assets | 11.37% (p8 of band) | |
| Uninsured deposits / deposits | 27.97% (p88 of band) | 14.70% |
| Brokered deposits | 11.71% | |
| Wholesale funding | 25.84% (p98 of band) | |
| FHLB advances / assets | 14.13% | |
| Tier 1 leverage | 10.51% (p43 of band) | 10.91% |
| Unrealized securities loss / equity | 0.11% (p50 of band) | 0.10% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.39% (p18 of band) | 0.87% |
| Net interest margin | 3.85% (p61 of band) | 3.67% |
| Efficiency ratio | 81.38% (p76 of band) | |
| Noncurrent loans | 1.02% (p64 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p51 of band) | |
| Reserve coverage of noncurrent | 99.79% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 26.35% (p63 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $52,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 3 | reserve under noncurrent | charge-offs p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 6 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 |  | assets shrinking |
| 2012-09 | 6 | assets shrinking |  |
| 2012-12 | 5 |  | brokered >10% |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 6 | loans exceed deposits, brokered >10% |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 4 |  | deposits shrinking, assets shrinking |
| 2014-06 | 5 | charge-offs p90 |  |
| 2014-09 | 5 | capital falling | charge-offs p90 |
| 2014-12 | 4 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2015-03 | 3 |  | charge-offs p90 |
| 2015-06 | 5 | liquid assets <10%, reserve under noncurrent |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 | capital falling, charge-offs p90 | liquid assets <10%, reserve under noncurrent |
| 2016-06 | 5 | liquid assets <10% | capital falling |
| 2016-09 | 5 | reserve under noncurrent | liquid assets <10% |
| 2016-12 | 5 | liquid assets <10% | charge-offs p90 |
| 2017-03 | 5 |  |  |
| 2017-06 | 4 |  | liquid assets <10% |

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

- 2026-05-13 [Bucks County bank announces long-term succession plan - WFMZ.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxOOWFRR2RnLTNTVGthQjgyVzFDUVU5b21zX24yVjRJZmR1VWFyTVZrZlZ2elhBOW1zYVkzV3BCNmJhbVExTFlsUVhNUjlEbTlrelFwaXJkdnZrUFNldTcwU0lxV1U2bEFJaEhWX2R3VmFUOVJyXzdnVXRWQi05d2NMeHVrcEVGZmYzUXVTdzRidnV4dWxtVzEyT1JsYldWWHBfUzFuVlU4M2FPZVB4ODJTZ3AtVlA2WHhkTmt4M3pIemJxYmFuZk00S0Ita21GZw?oc=5) · WFMZ.com
- 2025-12-18 [Bucks County bank among several branches to close in early 2026 - PhillyBurbs](https://news.google.com/rss/articles/CBMisgFBVV95cUxPNTMtTjJtbnpJY0ZnR3ZEVVU5Z3NfNFF3V19hM1UwcEVwMXlaSnMwNWdQOW03NF9TYWZFYU1DcFVvd3JHZHNXRlJDS1c0RmNFVDlDamFOeVlSNWltN3c4azlOR2owYWU1dHVPWlZRUlMtZFpEd08xcTdfQ2c0YkZuc0M1eGZjbXdUSEZaOUVzb28zd2hyUG5XeU5lY3VXdlRSOHY1amJEUTJoSjZmVGZ0dW9B?oc=5) · PhillyBurbs
- 2017-03-29 [First Bank to buy Bucks County Bank in Pennsylvania - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxPWHVpeVJLWXNCUm9EaHd1b3ZFczZLaXhFLTBOb0JvamdVQmJzNnFxWENwMFhvWUNsUzZSZUF3aDZlZ2daSkFmWk9aZzAwQWYwUW51RzVUN3BXWTlyY1R5cURseDQ5SnM4LU5TUGVwLUFvNGR1Y1JsRU12UUJlVTZWZ21rb3VoU1RTR1RiNGlvaWE?oc=5) · American Banker
- 2023-11-25 [Blair Rush - delval.edu](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE9USTU4ODJUSW5fV1dtTzVYdHhLRDZ2a2IzOW5haHhjejRNUHhGeHB2N01EZi05WkliX180NWl2WnlfeGc?oc=5) · delval.edu
- 2017-09-18 [First Bank Completes Acquisition of Bucks County Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVnBvVXlQSm5kXy10ZzVlYklCQ2thNUVSVTlaRzhMV283UDMxUXMyWWpia20xU2NNN3lfQmhuSGFoT3lHalMtZWxwaWZLYS1GYjhaUXk3Zi1GTndQQm1lSW01aGVWV25ubUNvM25jRk9aOXN5SklxYmt3LWFaaGJEMVVkX3VSR0x2UG94eWJ3TzJ0ZXk0dVB3Sk1XVkZZdFl6UzRaLWt6bE1DRFBxT3N0b1psRm5UT3p3X0FYUHVUWDBvRjg?oc=5) · GlobeNewswire
- 2017-09-18 [New Jersey’s First Bank completes acquisition of Doylestown-based Bucks County Bank - thereporteronline](https://news.google.com/rss/articles/CBMixwFBVV95cUxPUWIzU1RwaUd3OEJoNUFXQkZSRV9EVVJwR1RTM1k2LWhoOFdGZmxzWF9HY2cyc0Jfc2N2RXJzM0RKRE9CNnBOS0dsbGhITXh6UDBXSkpxYjN2UnU3NVZqUmwtWE55YmNlNGg0TzJVMVVKbW1RSEpldXN6TlE2cUdXRGdyYm1XTlM0cElUZklOYmMxdTF5eUFyUm5lSEYzbU43ZUM3NVpMZ20yVGlzSGU4bEdZYVRJMTBfdzZhbndfU2hfd0VMSHA4?oc=5) · thereporteronline
- 2019-12-19 [Central Pa.'s Citizens & Northern agrees to buy another Bucks County bank for $77M - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQUjdsaURjY2hrckRZSzBQWUFZOUFyZ2ZqRXdmaVU2NDhwaXhLdFJIZWRnNU41eWRFd1pTa2k0anF0NnhmaTRoUDM1MENEVVdEZkd6S094VU5YWmtEZEhrYVNOOHF4cFBXamt3TWwzaWxCMW5ZNHJBdk1ydUlEalhwalRXXzM1c0l2MFBYUGtIVnJNXzNxbl9kVWV4ZC02MWEzOW84RENrTG1aQQ?oc=5) · The Business Journals
- 2017-03-29 [Hamilton-based First Bank buying Bucks County Bank, companies announce - NJ.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNaUdWOXFDdUVfWmFXS0RwS0hBNjVfaEFTd2pYUTRzdml4Tjd2YVhTc19zQncxUVNlblhMaGdOampjbFdHSU1YNjR4Tm5wZm12bllCX1Vta09waHNaNWJuR3VMTVNEc2lpS29hMkZTSE5TWWxZbFJnTmE4TXk5RGU0Mk5POUhmaHlhUi1lQXhaempWclk?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57804 (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/12.json (key "57804", 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