# BANK OF OSWEGO
LAKE OSWEGO, OR · FDIC certificate 57877 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $57.0M | |
| Deposits | $48.8M | |
| Loans and leases | $42.0M | |
| Total equity | $7.5M | |
| Loans / deposits | 83.23% (p66 of band) | 74.58% |
| Liquid assets / assets | 25.25% (p36 of band) | |
| Uninsured deposits / deposits | 16.30% (p59 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.64% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.05% (p77 of band) | 10.79% |
| Unrealized securities loss / equity | -0.56% (p2 of band) | 2.02% |
| AOCI / equity | -0.97% (p1 of band) | |
| ROA (annualized) | -2.57% (p1 of band) | 0.86% |
| Net interest margin | 4.11% (p75 of band) | 3.65% |
| Efficiency ratio | 171.87% (p99 of band) | |
| Noncurrent loans | 0.01% (p14 of band) | 0.67% |
| Net charge-offs (annualized) | -0.04% (p10 of band) | |
| Reserve coverage of noncurrent | 45600.00% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 14.61% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -27.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 0 |  | leverage <7% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 5 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 6 | losing money |  |
| 2012-12 | 8 | capital falling, noncurrent p90 |  |
| 2013-03 | 4 |  | charge-offs p90, uninsured deposits leaving, losing money, capital falling |
| 2013-06 | 7 | losing money, expense ratio p90, charge-offs p90 |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 8 | capital falling |  |
| 2014-03 | 6 |  | charge-offs p90, capital falling |
| 2014-06 | 6 |  |  |
| 2014-09 | 5 |  | reserve under noncurrent |
| 2014-12 | 3 |  | noncurrent p90, losing money |
| 2015-03 | 4 | losing money |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | uninsured deposits leaving |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |

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

- 2026-07-11 [NBT Bank, “$ Tip for the teller?” - Oswego County Today](https://news.google.com/rss/articles/CBMikgFBVV95cUxNS3ZIbHJPa3BEckV6Zm8tOTl3ZnlpUnZTakNlVkUzUEExMDRfQUhCWUpaalVmcGVnTEFGeTBXMGJTekpqTGRNWnEyTUc0ZHNzRFNSMXJMaTZrMm1OMDRvRjhybEFSUFZEU05MWklwVE14cUlqWExoX3BTWnd3T0loWU04TzZLRWNrZElWZW54N3ZwZw?oc=5) · Oswego County Today
- 2015-04-26 [Bank of Oswego's bid to outsmart the recession brings in the feds - OregonLive.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBaYnlicXUzYmJSRElqSE1KcjNWdUdjbkJmLTZGMHByREVqV0k5UnVKLU1SR0V1c3pVNjk0VkgtUXpsSjZrRW9MUHdEOHJOVjEtUUdpSFo0SWlmRVhpZU9MSw?oc=5) · OregonLive.com
- 2021-10-29 [Appeals court overturns Bank of Oswego fraud convictions - The Portland Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxOa2Z6S1F3U0tZZHo3WHFqV1FfaXZyMVlaXzVuOHpmOGM0WXM1allkaVk1V2xUMTVxUnBWZ0RVUnFnM0JrOUI4OExnV05LNlhLTFlFaTdQVUtKdS1wcExLZVVQWlJ3SlpIYk52WlN3RC1lQUZLQmhLMHBwR0RjcDZkTTBMUlBzbW14UnV3b1VLRGlWSmlXMjZjRTV6Ukk?oc=5) · The Portland Tribune
- 2016-08-18 [The Bank of Oswego is now ‘HomeStreet’ - Lake Oswego Review](https://news.google.com/rss/articles/CBMigwFBVV95cUxPM3Z3R2Jiczhna3BHeE56S3RiYWFQdjRCZnBsNDJnTDNEQ1dFYnNYbS1MbFlCOGRfTmstdzhyVEtrNTNydUpUTFRLUHQxZFdHakF2VFQ0UDI1RXRTQUZhbGFCZVNyZjhmWm1NOFRvLXoya1VnQ19uWHNGZEg0SHV0bFFrSQ?oc=5) · Lake Oswego Review
- 2018-06-13 [Ex-Bank of Oswego executives sentenced for fraud - KOIN.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNY1ZyZUVMZ2VjUDY1bmxxeTNaUTJPcEh1Q1gzTUVXcXo0NTF2Sk4wWkl6VDN0blZpZVJ5aUtFQ1dLYVA4NW1ub3hreGVFSDJJdmotOUg4WHhMNGNESERPZF9FZEE3MTc1MHEwdUxySXEzeVNGd2JwblVwby01aUJUN9IBhgFBVV95cUxOZHdqNTlwTzIyTGJmaUVBUlB5c3VTZWpFbEplNTZpNFZjOUJ6aTFia1pMLVBFM3JSUDVrX1JPYzZkZnl1aVdBUWRRSzNrWWhEV3hidXM2SVY3M2g0QjhCSjZRc004VjhpalhaNlBUallCZmJKT1BsMVRNU3VnSjNoTEdNb2gxUQ?oc=5) · KOIN.com
- 2016-05-11 [Beleaguered Bank of Oswego sold to Seattle partner - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNN052YjN6M2VfN1hyVFpkSEQ5ME4zRTRvREVjU0l5bF9ucnR1ZDA0cnBIQnNnUkF4aGpEa3BRdDQydVpFajZDTjBleE15M19TTFpENERTUDVIUzF5OHViLXN5RkJ5SU9lUU1oc21SYkJWOWk5aHpJWFBtNV9TSjFnRS0xWHZYQzdxbnJIWmN6T3c0dXItUkJlQTBFNm0zclAwM2FyVmYybw?oc=5) · The Business Journals
- 2021-10-08 [Appeals court throws out conviction of former Bank of Oswego executives - OregonLive.com](https://news.google.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?oc=5) · OregonLive.com
- 2019-05-13 [Body found on bank of Oswego River in city of Oswego - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57877 (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/21.json (key "57877", 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