# TEAM CAPITAL BANK
BETHLEHEM, PA · FDIC certificate 58085 · asset band $300M-1B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $948.7M | |
| Deposits | $738.7M | |
| Loans and leases | $624.1M | |
| Total equity | $97.3M | |
| Loans / deposits | 83.29% (p63 of band) | 77.60% |
| Liquid assets / assets | 28.41% (p50 of band) | |
| Uninsured deposits / deposits | 32.57% (p86 of band) | 18.11% |
| Brokered deposits | 12.73% | |
| Wholesale funding | 24.42% (p95 of band) | |
| FHLB advances / assets | 11.44% | |
| Tier 1 leverage | 10.36% (p59 of band) | 9.94% |
| Unrealized securities loss / equity | -1.53% (p31 of band) | -0.21% |
| AOCI / equity | 2.87% (p89 of band) | |
| ROA (annualized) | 0.81% (p50 of band) | 0.81% |
| Net interest margin | 3.56% (p50 of band) | 3.57% |
| Efficiency ratio | 70.45% (p50 of band) | |
| Noncurrent loans | 0.57% (p29 of band) | 1.12% |
| Net charge-offs (annualized) | 0.13% (p75 of band) | |
| Reserve coverage of noncurrent | 246.06% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 28.95% (p47 of band) | |
| Auto loans | $55,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 136 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | brokered >10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | brokered >10% |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |

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

- 2016-10-28 [Pat Toomey’s bank and fact vs. fiction in this noisy US Senate race - billypenn.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOa3pWWm9rZVctSnVuLW4ySmphQWJWQThiVklRaU42QktkSUMweGRKVXRMT0pRYTkzd0R5WWZRcjUxNVFpQ3B1cW43WDJWR2RmT1piSmVsakVOaElURjFraDNiR2ltWEdNLWFKdXhsakRSVi0xd3NabzlsRExUU1R3RmRUcmhBUk5TeEJSb09xc2hNYXRuZUUtMURFSjNaT01W?oc=5) · billypenn.com
- 2014-06-03 [Provident completes acquisition of Team Capital - Central New Jersey News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPYXNnV3daWFJlTVZXM0pFa043ell0RG1tZVd3bVhWYTA1QlFDakg0TjRBVjFLS1FLd2RjSkhHM2xsZ0xzR19Rb0ZTVW5CZjFWQ0VvYUpsMVB4Vms5aGlHRVVZRzB4akxsQ2thOXVWMzN5WWNDaWRiQjVMQlBxVU4xT1NQU0xEV2hMUzFqQ0JHbUxYcGhRS2tXTXVoRWpnZ254SHo1akRNZS1ncDRjWjVDY1lMaXZkXzE3?oc=5) · Central New Jersey News
- 2025-02-12 [Senior TD Bank executive leaves for C-suite role at Provident Bank - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdHotRVN0U2U5WXFpZklmRVg5dDliTUFDbHBpLUFpVW5NdmdaWTA1a0hQODhxU2VDVThuMHdCTEtUcEFTNHVXcUk5cEVQTDkzdm9IdGhNOGYwZXVmMVZqc0NVVnpYZ1RZMjlkWWQyRzRmQ25CTE1JUG9rVmtxN2h0NmNkZVVWekR5NUVBa1FUTU5iUllUQVBoSkU3SVdOYlpVZ2UyUktGcGRkVHVxeVE?oc=5) · The Business Journals
- 2016-10-27 [A False Attack on Toomey - factcheck.org](https://news.google.com/rss/articles/CBMia0FVX3lxTE56NDBKUG9wQ3hxOWw5VTgxVjZ6eVNZNk5PVFIwRTdFT25QMkxRYm8zeVRQTDdWVXhfb3EyeWZJMnJycVVLelNsd1hBT2JMY2ZsMlllWXp4eWpwOGI3M0dvQk15WlQwdFpiakh3?oc=5) · factcheck.org
- 2015-07-24 [Doylestown bank looks to growth with new name, leadership - PhillyBurbs](https://news.google.com/rss/articles/CBMinAFBVV95cUxNT0swY0dwSGVwLXNpeDhlUjRzcWZkaWFERkRUc2dscVZ4NWNTR2Fhai1YbHY5cURyazY4ZUdObmRGM2dqSFVOYWJZeGJmMjNMcks3MzNvb1B6c085ajhOYnJiMTQ0VWNLQ0NmeWpnbWRGSV9TbVAyV2UyeEN2ZW5IcDJHS3Nzc2JFSi1wbXc2RUNSNHc3Vk5nUTFEWkk?oc=5) · PhillyBurbs
- 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
- 2015-03-19 [First quarter Central Jersey promotions, hires - Central New Jersey News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaVh2WlpKN1pjRHFvbGY5TV9HdF81V0MzbHJvOHBXa05BYzRzY2NsdlpodWZ2bDJ2VGQ3anBucG5kT3p3cmo1UVhnT1l3dk5DQ1JrOUUxbURUbDNxeFZnanJ0RTRqYlVOVGNsZ1F1NEtudmVHZGtJUDBGZ2ZrWm9Tbl9wNnBqYmVIZUx0OWtiMmE5bGdmbUNidzJiLWZPa2NTQmJ1VUNqLTc4dUh6c05NTTFfck0zLTEwY2d3?oc=5) · Central New Jersey News
- 2012-04-30 [Bucks & Montgomery County business achievers, April 30 - PhillyBurbs](https://news.google.com/rss/articles/CBMivgFBVV95cUxQU0pKeXYxTUw0aThSWV85b0RBdno5VG9lLXpYQUM4Sllrc00wTjVyRTZhbXZsMzU2cUhvV2tGX0c2dXBNcGpDbk8zTDhKV3U3LU9ldXZJMUdOSjVCbHNfUFB5bkdibENmTUVCVGdaNGlzZ2xoandvaUN4MEI0aE9Jam45WVBTSnFockp3RTROeFZXNDl3YlRWRTIyUWJudUJwUGJ6Xy1FNG83cXF5X3BNUXg1UnQ3dEJDRndBRmdR?oc=5) · PhillyBurbs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58085 (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/37.json (key "58085", 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