# INDUS AMERICAN BANK
EDISON, NJ · FDIC certificate 57983 · asset band <$300M · latest filing 2018-03 · 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 | $223.5M | |
| Deposits | $180.0M | |
| Loans and leases | $191.9M | |
| Total equity | $19.6M | |
| Loans / deposits | 105.39% (p94 of band) | 75.02% |
| Liquid assets / assets | 12.24% (p9 of band) | |
| Uninsured deposits / deposits | 2.99% (p4 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.51% (p84 of band) | |
| FHLB advances / assets | 10.51% | |
| Tier 1 leverage | 8.65% (p10 of band) | 11.04% |
| Unrealized securities loss / equity | -1.77% (p55 of band) | -2.21% |
| AOCI / equity | -0.51% (p65 of band) | |
| ROA (annualized) | 0.58% (p25 of band) | 0.95% |
| Net interest margin | 3.74% (p50 of band) | 3.73% |
| Efficiency ratio | 84.99% (p82 of band) | |
| Noncurrent loans | 7.92% (p99 of band) | 0.60% |
| Net charge-offs (annualized) | -0.04% (p10 of band) | |
| Reserve coverage of noncurrent | 14.34% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 13.09% (p44 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 | -8.0% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 6 | losing money, charge-offs p90 |  |
| 2011-12 | 4 |  | loans exceed deposits, noncurrent p90 |
| 2012-03 | 5 | noncurrent p90, uninsured deposits leaving | losing money |
| 2012-06 | 7 | losing money, deposits shrinking, assets shrinking | noncurrent p90 |
| 2012-09 | 8 | noncurrent p90 |  |
| 2012-12 | 5 |  | wholesale funding >15%, losing money, noncurrent p90 |
| 2013-03 | 3 |  | uninsured deposits leaving, deposits shrinking |
| 2013-06 | 2 |  | assets shrinking |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | charge-offs p90, capital falling |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 | capital falling | charge-offs p90 |
| 2014-12 | 3 | noncurrent p90 |  |
| 2015-03 | 1 |  | capital falling, noncurrent p90 |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 5 | losing money, expense ratio p90, noncurrent p90 |  |
| 2015-12 | 6 | capital falling |  |
| 2016-03 | 3 | uninsured deposits leaving | charge-offs p90, losing money, expense ratio p90, capital falling |
| 2016-06 | 4 | expense ratio p90 |  |
| 2016-09 | 7 | losing money, deposits shrinking, assets shrinking |  |
| 2016-12 | 7 |  |  |
| 2017-03 | 4 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2017-06 | 8 | loans exceed deposits, capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 5 |  | losing money, capital falling, deposits shrinking |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 | deposits shrinking | expense ratio p90 |

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

- 2017-06-09 [Indus-American Bank will merge with BCB Community Bank - The Indian Panorama](https://news.google.com/rss/articles/CBMijgFBVV95cUxNU0JIb1NRSVpiY0pfUVgyQnZXUEE4TmRTOWRRa3NJaE5kMDBJalY0bXNKZ3FXRktBNWZlSkVyX0pvOWdfREZtZDZMbTM0YWtKWmJ1WUVfTFZzWjlCODM5YUFPWFZKYXJJTlVlZkVYMlJQWGRMMU9aTUZtamNPUW5jNnd3T0tJNTR2dmxQMVhR?oc=5) · The Indian Panorama
- 2020-11-02 [BCB Bank celebrates 20th anniversary - ROI-NJ](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYTlxNmEtN2JFSnFzRXpueDhENWNGYjBFMnRZUnBtUUI3SGpsc19yd2RjanB2cTRkY2FSa2VBbklNWkpxYlJXYVpJMHhfNGpheTl2Q0YtZklMVk9PTEtWT0UzM3N1NUtlRkNzNExuZndGZzNzTDNkWG15M0d2YWZ1aW8xZnBiZw?oc=5) · ROI-NJ
- 2016-04-07 [NVE Bank appoints John Nowicki to VP/senior credit underwriter - Bergen Record](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQWWtaakF4MHRJMUFPYjljcFk2WVNZZThxbFJVWDdiN1dFbGZvSnV6el96TjUxTDFMbVNzckE0ZHBCcV9SaXNGc0xzY3Bld191Y0l1Sld3ZkNTb3JSbThrY3ViSWo4RVE0dURfaGxEemdlWFo5UFZvMzR6WlI5Y1QzWXl1SldaWFFjbGxrZkY1Z3YtQVg1cExsZTR1TktQTjZiQmpSQmdHX19YUGVGNVFEdlBZbVZiNE5sS0RMWHBKUm1fUEx1SU5tUjlwenl0RFdaM08yXw?oc=5) · Bergen Record
- 2013-03-26 ['Dapper Bandit' Faces 8 Years for Bank Robberies - Patch](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVG5WUmtEeVFBQjFYalpBRUVLc0NxeklUZ0cyVjRDLUdEMGhSTERqNkZQRmVLZnMtenVadzBCTWhlWGJ4V0VSTkI5aUIzaDVTVHJfMFd1dGJTUUY3eHVLOURxU1Z0ZFBjTGRoSnNDeGh5WXNPSl9xaEJEZHZoVEk1Z0J2amY?oc=5) · Patch
- 2012-08-24 [Common thread in Morris bank robberies: Hats - NJ.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1TcmFyc2pERk9RYm1VY1VKTU5uY0xnMWdZS3RvZXdEVWhVVkZUUHV1Rmh3N2o1WnIzUnkzX09PZE5GUHZpQnFPMnpKUURMbG00M24wUDhSX3VLU2x2UUNZSUZ3Q3cyTTBJUzl6NFNhX2V0Z19Md1l5UQ?oc=5) · NJ.com
- 2026-01-13 [GOPIO highlights how Indian diaspora has shaped global business - The American Bazaar](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVVhVUXNzbzRRSjhmQzJfTXY5Z3piX3VWdVY0TzF0ci1jcUdsOERuM2JpWmFpTS1WZ05GNFF5ZkV5bWhhd2RsNVEwcWcxNG0wYjNsaDA0M1ZXbE1BQjh5V0ZuM1VRLXRib21WYkRtLTFKdzJyUGxVTHo3TEVEYWNwVUhVLTItT1lteGRsdl9OcWNpVkZlc3EyNEc5MEpYalRKa3Z4UzF3?oc=5) · The American Bazaar
- 2012-10-12 [Dapper Bandit Arrested For Multiple Bank Robberies, Prosecutor Says - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcloyZmJNSVdVOTE2UnZCai1CQU9WcGtLejZlb2dxRGdDcUw0NmhnbkRCdUZaaGNGU1g1NEdvbURyMUhLUlhmV2tpT1VaU1ZNRDVWamUxUUpRSXlTWExUbDE0amw3Yzc1UkUwdFlMNUZfNGNpdUZIbkVTYUhtOHI2YjBFVVN3V1liS1BSbjZPQktkdVB5MXZjbFREVHpycWpISm1IOVZn?oc=5) · Patch
- 2019-12-23 [Anil Bansal to head new Federation of Indian Associations team - The American Bazaar](https://news.google.com/rss/articles/CBMitAFBVV95cUxOWDR5V2xzbkdOTlZwelp0dDhEZldYNUswdnY4UEl1T3BYQTVYbnY0cVNPTGloVWNfRUJRM2tUempHTHB4RHRLdlhkaUFUTmZacmIxb1RnbjBRTmU2V1k2VjJpWjI5NE0xdUFNSmxfb3JfUUs5YURmSDNfeEpqNzM3YURsTkNpQ2hrc29ZZlMtcnFuVjQ4NzRrbGUwakhxa09YcGhMdzZfMGlCVnRkVzJzbmFwMks?oc=5) · The American Bazaar

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57983 (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 "57983", 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