# GRAYSTONE TOWER BANK
ENOLA, PA · FDIC certificate 58166 · asset band $1-10B · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $2.51B | |
| Deposits | $2.14B | |
| Loans and leases | $2.07B | |
| Total equity | $283.6M | |
| Loans / deposits | 96.27% (p87 of band) | 78.14% |
| Liquid assets / assets | 11.40% (p5 of band) | |
| Uninsured deposits / deposits | 20.69% (p60 of band) | 18.31% |
| Brokered deposits | 6.75% | |
| Wholesale funding | 9.21% (p53 of band) | |
| FHLB advances / assets | 1.94% | |
| Tier 1 leverage | 10.26% (p68 of band) | 9.37% |
| Unrealized securities loss / equity | 1.05% (p24 of band) | 3.83% |
| AOCI / equity | 0.59% (p43 of band) | |
| ROA (annualized) | 0.71% (p46 of band) | 0.77% |
| Net interest margin | 4.13% (p76 of band) | 3.68% |
| Efficiency ratio | 72.84% (p72 of band) | |
| Noncurrent loans | 1.76% (p41 of band) | 2.15% |
| Net charge-offs (annualized) | 0.28% (p37 of band) | |
| Reserve coverage of noncurrent | 34.52% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 57.95% (p76 of band) | |
| Auto loans | $3.4M (0.17% of loans; DQ 4.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | – | |
| Employees | 544 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |

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

- 2013-09-12 [Susquehanna Bancshares to buy Tower Bancorp - LancasterOnline](https://news.google.com/rss/articles/CBMiygFBVV95cUxOTUYxcjZHX080djBER0JzMjV2aTNqRGxrRGVJZWt0TWl6TmwyRjRsMHVZT0RQT2lHb2lSQWNmV09WY0xuMF9nckdGTFNicWI5bEZpc3Bod0tnN0VYZUJaREZoYzBsMWtGcEFGOTlWWW5mSWY3cUg1UU9LSDJENC16MGtqdHJRNVMtNjVtZEZVUmRYN2RTZVlxbGhkakR3WFJISGFENmZMMFpzTVZyVTIxYURieGRkUFp5UUp4ckdtWjUzRlYzQjNVTXBB?oc=5) · LancasterOnline
- 2012-03-02 [Susquehanna Bank considers Chester County an ‘exciting market’ - pottsmerc.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcEdhLXFuWFRQSlIxbndtTXU2bVZOSWR3X0FjZFd2WHVMbVk4d1JGc3hoT1ZvS3ZRSTBqR1FBZEJLaG5HVG1TQlpuWEV0OWtQYTRXSkt0cDU1bEFmbDFtWlo1cjBpYkRZTWZhM3lpZkJNejlzaGg1eG5qNWZIUDBGNDVtaHRmU1FhLUNNTlgySDNRcm5QbkpHVklIVWpVVEk?oc=5) · pottsmerc.com
- 2018-10-24 [Stonebridge Bank sold to startup created by former Susquehanna Bancshares president - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxNUTMwU3JEQUF5RDhhbEZrM09OR3Y2QTdwZnU4dF8ydFY1M3BDQ3dzeG80Q1VzbFNPVEFMbDd5YnlQcndZNUJWWGJzUmJnVkpBcVpTLW4xY3N1TUxqM2hBb0hTSlM5WUxwZEdiLU9fUnAydEFFNHczQzFwZnVHSFZPMVR4VWdNdC1CQXM5WGtrdTI0R3JEZ29KZUVUeUhwQ3I5dmc3YndIRjE5ZzR5WHZwMXhR?oc=5) · The Business Journals
- 2022-01-01 [Klare Sunderland Obituary (2013) - Frankfort, IL - PennLive.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaWx1SXFNRlRHYnNFbWdoa1FSMWQxTFRyNWVTMlFXYnJNcVQyY2NaU2E1ZmxaaHhzOXpUUHJqckRNTEF6TzVHTzRzdXlrMlFzZnhpSnFNZmJGRGJjOXM2TUZrUXB6bTZfMXVrNHBRcDNkdkNhZEZINnQxYVdtVWg0RTloWmUzT3FuTk4wd3dOMXBRX0V2bkp3?oc=5) · PennLive.com
- 2018-10-03 [Franklin County deed transfers: Sept. 9-22, 2018 - Chambersburg Public Opinion](https://news.google.com/rss/articles/CBMiywFBVV95cUxOY09HS3ZIaUJpemtPcXdOZmZ4Y1AtWkMwQlpBaXlaZ3Z2T014ZmRhUVlXX2NDay1BMVktSmtqSXh2bThfUkNFLUV3bFRHRFloVjd1el9nOHRkWVVVMUJOVFQwOG5hbUJ3U3RtZlVuUVJrRndsWjVCdzlCWEJ3SzVDdEpqVGk3RkxUM2RoLVBNX3Z6bGcyQTJSWkRsWElVUjNwRVhuS0FoRGdqNUtMYXF5T3ZmRUloVThPNThJdVR2RldUU2w4WmxmaS15bw?oc=5) · Chambersburg Public Opinion
- 2011-01-04 [BUSINESS NEWS: Diamond Credit Union supports the Salvation Army by collecting toys - pottsmerc.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNQktsTGRtSEpIdkFpLV9NY0gxZzJqbTBoUHM2SzJRT0FEcTM2b0d5SDdsMFhZVlk2a0VKWmI0cGRpazloNzFxd000X3ZmeHVfNlVOZXlaWWs3ck5lNEFkOHl2VFNVNzFGUmtiRjRucFNXajhzUDFMemJnT0NjTkh1eFF5LWZmTW1mbTZ4cGxHYlhhcDBsM0w1TC1rS05CaWJkbzMtNnJYOXF6RkNxS0hNMW1MWWhLUncyZWxv?oc=5) · pottsmerc.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58166 (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/54.json (key "58166", 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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