# E*TRADE SAVINGS BANK
ARLINGTON, VA · FDIC certificate 58119 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $9.77B | |
| Deposits | $7.88B | |
| Loans and leases | $1.66B | |
| Total equity | $1.86B | |
| Loans / deposits | 21.09% (p2 of band) | 73.47% |
| Liquid assets / assets | 80.23% (p99 of band) | |
| Uninsured deposits / deposits | 3.08% (p1 of band) | 33.32% |
| Brokered deposits | 0.44% | |
| Wholesale funding | 0.44% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.02% (p97 of band) | 9.53% |
| Unrealized securities loss / equity | -8.66% (p6 of band) | -0.38% |
| AOCI / equity | -0.09% (p85 of band) | |
| ROA (annualized) | 0.09% (p2 of band) | 1.21% |
| Net interest margin | 1.58% (p4 of band) | 3.23% |
| Efficiency ratio | 80.45% (p96 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 47.9% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | capital falling, noncurrent p90 |  |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 3 |  | noncurrent p90 |
| 2012-12 | 6 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2013-03 | 7 | NIM <2.5% |  |
| 2013-06 | 8 | capital falling |  |
| 2013-09 | 7 |  | capital falling |
| 2013-12 | 5 |  | deposits shrinking, assets shrinking |
| 2014-03 | 8 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 8 |  |  |
| 2014-09 | 6 |  | deposits shrinking, assets shrinking |
| 2014-12 | 6 |  |  |
| 2015-03 | 5 |  | charge-offs p90 |
| 2015-06 | 5 |  |  |
| 2015-09 | 6 | capital falling |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 6 | uninsured deposits leaving | capital falling |
| 2016-06 | 6 |  |  |
| 2016-09 | 4 |  | noncurrent p90, uninsured deposits leaving |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | noncurrent p90 |  |
| 2018-09 | 5 | capital falling | noncurrent p90 |
| 2018-12 | 4 |  | capital falling |
| 2019-03 | 5 | deposits shrinking |  |
| 2019-06 | 7 | losing money, assets shrinking |  |
| 2019-09 | 5 |  | NIM <2.5%, losing money |
| 2019-12 | 5 |  |  |
| 2020-03 | 6 | capital falling |  |
| 2020-06 | 6 | expense ratio p90, NIM <2.5% | deposits shrinking, assets shrinking |
| 2020-09 | 6 |  |  |
| 2020-12 | 6 | losing money | reserve under noncurrent |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 |  | capital falling |
| 2021-12 | 2 |  | brokered >10%, wholesale funding >15%, losing money |

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

- 2023-06-27 [ETRADE Study Reveals Boost Among Millennial and Gen Z Investors - morganstanley.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQcFVFUFdZTXdEMjItNWwtdkVXUE1JQ0tvcXhkajJaTmZ1b1ZMTWFZNjRMcWFZTnlLMWtjZzZWUnJRRTBubFQwQU5qdUhuNlVzTHNabTJNTWJ2a1R4cHJDWDFQNFFnQ2RkZExHc3M2bkJYNHpjSEE5b0kxRl9GU3prZmM1Q1FBM1dqa1dLSDIwMi0zQms1SDlwVUpmaHJ3dFdhajRhd04zV3NZbnVZ?oc=5) · morganstanley.com
- 2021-06-21 [ETRADE Study Reveals Financial Mistakes Among Young Investors - morganstanley.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdjZOX28zWHVfdGpBXzBiZGk3bkQtdWxqaFo2NXJfV0hHc2R4bUFESm44QzRwWHd1Y1kwSkhHM0ZpVW10MFZVZ2xZZExaOXNaOW0yVm9GTTNBSVZJbWxUWHR4ZzZXcDRIeVBUY1V0aWhXdDNuSUJfLUh0RS13QjEzXzJCaGRJVFVpQVJiRW5MUDRKTjRoeEdncDZQY0dLTjdSb18tQTZqckpwdw?oc=5) · morganstanley.com
- 2021-12-20 [Amid Year-End Market Volatility, E*TRADE Study Reveals Spike in Investor Satisfaction With Investment Decisions - morganstanley.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxObThtZUxaX3FtTGd3UExxVjJpNVZWRzl1RkQwWktxalMtMU5ReG9XdjFnUFJkMlNrRHg1bmVILVlfVmw3WElVZzcyX3IyNDV3RU9TYzgzRC1hM25LMm55Ti1TV2tTbHVkWjZITnBFY1hXcHRSeldSQmRtd2dfUzdsU19qbDZVQ2syWEU4X0dZckZ1Zk9adTVnSGpVTHZlQmV4blgtUkxXZk9VbFVPOVE?oc=5) · morganstanley.com
- 2021-09-28 [E*TRADE Study Suggests Young Investors Want Professional Guidance as Much as Digital Content - morganstanley.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPcWlPTE5pWndXUE5aLTZaY3AwUUpLdEprRm04ZUgtbkZOQ0VRUVBraVZEZk9QWlR0Ymc4WVNKSzJ5VC12NXZMakRpYXE2LVJqQlp0T3FjSkFzbFoxOTdmS3g1N2RZaXBTU3FPVW5idDJwdlMtNFgwNk5xbVlpVmM5OTZGaWdCSXFqeDVBaXRWMGNLRDdkbEhTQzlDMzdzMGIxRU9sdjhBeEFGTG9GT2c?oc=5) · morganstanley.com
- 2021-05-25 [E*TRADE Announces Enhanced Bond Resource Center - morganstanley.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcEI1RHl4d0I2WTNKUzduc010VnRXTTNzNU1BcHJ0RUNTSnVEcmhJYmRrcHZqMmdNdHVhV0xpY25KZnlWSjRkTEZwbVl2SDJMb3RBaVZ6SkFhQm9sanFzUl9Hd3VTOXhiRGx0Uk9xRHlMYzdaTmh6MlYwaVpqaTF3Ymo5cjE2Q1czLXh0eVNlYWFDRG5fU2hB?oc=5) · morganstanley.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58119 (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/7.json (key "58119", 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