# CONNECTONE BANK
ENGLEWOOD CLIFFS, NJ · FDIC certificate 57919 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $14.40B | |
| Deposits | $11.80B | |
| Loans and leases | $11.87B | |
| Total equity | $1.77B | |
| Loans / deposits | 99.43% (p89 of band) | 85.78% |
| Liquid assets / assets | 10.78% (p4 of band) | |
| Uninsured deposits / deposits | 46.70% (p73 of band) | 38.39% |
| Brokered deposits | 7.00% | |
| Wholesale funding | 11.98% (p71 of band) | |
| FHLB advances / assets | 4.97% | |
| Tier 1 leverage | 10.81% (p69 of band) | 10.17% |
| Unrealized securities loss / equity | -4.35% (p69 of band) | -7.43% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.24% (p51 of band) | 1.24% |
| Net interest margin | 3.55% (p46 of band) | 3.57% |
| Efficiency ratio | 43.75% (p21 of band) | |
| Noncurrent loans | 0.68% (p53 of band) | 0.66% |
| Net charge-offs (annualized) | 0.39% (p88 of band) | |
| Reserve coverage of noncurrent | 173.33% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 48.48% (p77 of band) | |
| Auto loans | $91,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $83.4M (5% of equity) (p43 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 761 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 3 | liquid assets <10%, capital falling |  |
| 2011-12 | 2 |  | liquid assets <10% |
| 2012-03 | 2 | liquid assets <10% | capital falling |
| 2012-06 | 1 |  | liquid assets <10% |
| 2012-09 | 3 | liquid assets <10%, capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 4 | wholesale funding >15%, capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | construction >100% equity |  |
| 2014-09 | 3 | brokered >10% | loans exceed deposits, liquid assets <10%, construction >100% equity |
| 2014-12 | 3 | loans exceed deposits | capital falling |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | construction >100% equity |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 7 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2017-03 | 5 |  | construction >100% equity, charge-offs p90 |
| 2017-06 | 4 |  | noncurrent p90 |
| 2017-09 | 5 | capital falling |  |
| 2017-12 | 6 | construction >100% equity |  |
| 2018-03 | 5 | charge-offs p90 | capital falling, construction >100% equity |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 | capital falling | charge-offs p90 |
| 2019-09 | 5 | construction >100% equity | capital falling |
| 2019-12 | 5 | liquid assets <10% | construction >100% equity |
| 2020-03 | 4 |  | liquid assets <10% |
| 2020-06 | 5 | capital falling |  |
| 2020-09 | 5 | liquid assets <10% | capital falling |
| 2020-12 | 1 |  | wholesale funding >15%, brokered >10%, reserve under noncurrent, liquid assets <10% |
| 2021-03 | 3 | brokered >10%, liquid assets <10% |  |
| 2021-06 | 2 |  | liquid assets <10% |
| 2021-09 | 2 | reserve under noncurrent | loans exceed deposits |
| 2021-12 | 3 | loans exceed deposits, uninsured deposits >50%, run vulnerability | brokered >10%, reserve under noncurrent |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | wholesale funding >15% |  |
| 2022-09 | 5 | brokered >10% |  |
| 2022-12 | 7 | liquid assets <10%, capital falling |  |
| 2023-03 | 7 | charge-offs p90 | liquid assets <10% |
| 2023-06 | 6 | liquid assets <10% | capital falling, charge-offs p90 |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 7 | capital falling |  |
| 2024-06 | 6 |  | capital falling |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 1 | uninsured deposits leaving | loans exceed deposits, uninsured deposits >50%, run vulnerability, wholesale funding >15%, brokered >10%, liquid assets <10% |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | loans exceed deposits |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 0 |  | uninsured deposits leaving, loans exceed deposits |

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

- 2026-07-30 [ConnectOne Bank Review: Savings, Checking and CDs - NerdWallet](https://news.google.com/rss/articles/CBMiakFVX3lxTE9RUTVrUXNQSFk0d0xlUHh5MkZPTHNRck91SUNGaGdTdWpNVXNjQWE0YlFQODE5R29KbGhtV0U5NXVqdjJxU181bmRuWlN0N0VTMEl1OWNvUHVqVmJLaEZnZXlTNlpNUmlZbFE?oc=5) · NerdWallet
- 2026-04-10 [Can a Bank Account Funded 16 Days Before a Bankruptcy Filing Establish Venue? A New Jersey Bankruptcy Court Says Yes - jdsupra.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOc2RGWUNqWEtkREduQmZ2RkN6VkVPUnBtM2dzc1NXeUxEajFDMXZwZWJqbkVTMUphSE1ZZ0ktM1Fnd2FiRlpOUXlaMmRCNXZfY0stcmdfd1kzSW5GRzNrd2FZczcxY3ZwMC1VNUtjNkpUWmhLZU5vU0RhM2ZfTXl1UU5n?oc=5) · jdsupra.com
- 2024-12-17 [ConnectOne CEO could weigh more deals in warming M&A climate - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxPYi1lNW5RckVocVRLeTVLY2xnZS1EZGF0VHo0NXo5V0Y1SUlJWTRIZVNUVnZNN3l4OVc0dWNzek1yallnOHpjdzJGRURqZmFrSk9VNHlBS08yUHlMYnNyZXZSdk9rWGVJU3pDOEZPUW1weEZPTHdKMUlKWHJwdFlYRW1zRXJYN3BtYW92eVlUTkc2LWZEcmRWTU5JMTAyRk5ILVlF?oc=5) · Banking Dive
- 2025-06-02 [ConnectOne completes deal for Long Island bank - ROI-NJ](https://news.google.com/rss/articles/CBMikwFBVV95cUxOZ0UwRkVuaVctRUo3VTZ1UW9ydVUtVm1KNnJZaHRwckc5TmtvYWhFNzR4a3FibC1raWVTUFFydXhZT1pMRkRzQjlSVGtCQVVlLVRPT2E2MFBoQU1qMjh2RnFVd1ozSGRqcWFyTjJOUTROeDVrWHIxdFo1NmllVnpOYlZzUkp5anNjMkN0dkZTVEh4TlU?oc=5) · ROI-NJ
- 2022-05-01 [Frank Sorrentino III Of ConnectOne Bank On The Future Of Money and Banking | by David Liu | Authority Magazine - Medium](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQYUN0ZWczdlVHbW9jNWE5SzhMU1l5YjNBR1ozVjIxQWJtQ2FxM3h2R3BrR1UtMU4tY3MzX2NPOVJibllEek5tam9TaElZR25tYTdMWGpBX2liMW8xSHJPd0Q2VGRqUE9tM0lQNXpEREJaRmVLcDgzVUIyYVZpSkNIZ1l4b3pyT2o3YllWS0EyN2VBLUFrblNaOXZwWVBSNnRES3ZTTVNrTmRXWVlhM2h2X1EtaWxTN0l0emp5N2ZVUWZ4NGc?oc=5) · Medium
- 2025-05-08 [FDIC approves ConnectOne, Long Island bank merger - NJBIZ](https://news.google.com/rss/articles/CBMia0FVX3lxTE1yWUt1VVppN2VxRGkxSDBQX3NwNlF3ZTRfdENpUndEQVNDMmtjOF9Bd3hUYVRVdXFQWEY3LXh6UXB1ODViQmlMejM5ZU5HbFBFbEhzYUg1bEZUbXNTU2RGRDFVNFBVbTYzSUhR?oc=5) · NJBIZ
- 2025-09-10 [The Most Powerful Women in Banking NEXT No.14, Ali Mattera, ConnectOne Bank - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZUkxWkg2dkpHSi1hYzZaN05vZThOTjc1YUFWZFgyRGlidjVNMTA4eUVOM1VUdF9BaDZQWHkwZldEX3ZwTks3YjRjb0FEX0xDb3h3TlFQdWlNLWtiZzVwcVlFZlVWbDE3T0JLUG5rUGotM2VDM2JQMTFGSUk4Qlo1NGNZem5KZw?oc=5) · American Banker
- 2018-05-01 [NJ’s ConnectOne Bank expands on LI - Long Island Business News](https://news.google.com/rss/articles/CBMib0FVX3lxTE1vR2pKaG1ScmhTNFZKYUhEekpfYWlpU1RrT0NvZHBNV0NoZjlMN2ZfY2swaWtQUUs4S3E3bW9wU3FyVEt5aFRfNy1yenpXS09ZNUJYU0Q2OHdOTlZIb0kzM19mQTlVSnZMbFZrMEdZcw?oc=5) · Long Island Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57919 (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 "57919", 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