# SADDLE RIVER VALLEY BANK
NEW YORK, NY · FDIC certificate 57936 · asset band <$300M · latest filing 2013-12 · 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 | $259,000 | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $259,000 | |
| Loans / deposits | 0.00% (p1 of band) | 69.26% |
| Liquid assets / assets | 98.46% (p100 of band) | |
| Uninsured deposits / deposits | – | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 100.00% (p100 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | -138.19% (p0 of band) | 0.76% |
| Net interest margin | 0.14% (p1 of band) | 3.63% |
| Efficiency ratio | 112475.00% (p100 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 1 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 4 |  | reserve under noncurrent |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | NIM <2.5% |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |

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

- 2013-10-10 [Lakeland Bank appoints new officers - www.advertisernewssouth.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQWRuclJQb0hqRnMzTHRVdXB2bHJ5d2p6ZTdNLW9zdnB6Znk2OXJmV1BfekdxMUxtOXZRTG5FNFNOR1I0ck03SFlMLTJUQW1JdURjYnFyRm5NRTltQTdqa1VsQ3dYeUtadFFMckZBaDNseGc5bzJFc2tmdHIzR28tQklSaUo2VEZrVGd3YmtGcWU4R0tSSlNMY2dTTkRPOVIxYUpsQTJsLVlUYll1WlE?oc=5) · www.advertisernewssouth.com
- 2016-09-08 [9/11 and Patriot Act changed the way you bank - Asbury Park Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxPZ0JNb3FnVS11MC1KMW1nUjhQUWtHcENVaHU3QXlKMVFVTC11aE54OFA0eDdUbXBhYTdSM0FobFRlcFlQWlBnVVhhWFY0YVExT1JVN1FhZ00xZjRBSFpKSHRrMWh4S0NPS3Z3NXBHUm1SdDVtcWxqOUhJN2Q0Q1l4RUI1TmJYRE15dldKVzg2bzloZEoycEZhWllEcw?oc=5) · Asbury Park Press
- 2012-02-22 [Robert McNerney elected to board at Sussex Bank - www.advertisernewssouth.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQT3hEdHk0WldRelIzT29vLWQ5aEFpVXVKbmR1OUhONndod2k3bVhkUm5fbVI5d2FTaEROUWhCTmhFb2NtSWxkWjFfMGJIZnJicEJaNWMxS0VRV0VHelNQT04tekdvTDVDRUdIUUF3OG56SHoxQ0c1cmh4U0dmWFAwbm8xQV9Sek5RWW1TV1ltbE9GcHdIdnVnOEhLUUlHTEVyc2MtbU1qZEZZdENKOU1j?oc=5) · www.advertisernewssouth.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57936 (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/16.json (key "57936", 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