# EAST RIVER BANK
PHILADELPHIA, PA · FDIC certificate 58171 · asset band $300M-1B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $322.8M | |
| Deposits | $226.3M | |
| Loans and leases | $311.1M | |
| Total equity | $28.3M | |
| Loans / deposits | 136.25% (p100 of band) | 84.10% |
| Liquid assets / assets | 1.90% (p0 of band) | |
| Uninsured deposits / deposits | 12.65% (p19 of band) | 20.48% |
| Brokered deposits | 2.25% | |
| Wholesale funding | 23.26% (p94 of band) | |
| FHLB advances / assets | 20.80% | |
| Tier 1 leverage | 8.74% (p15 of band) | 10.18% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 2.01% |
| AOCI / equity | -0.27% (p3 of band) | |
| ROA (annualized) | -0.11% (p1 of band) | 0.94% |
| Net interest margin | 4.11% (p80 of band) | 3.61% |
| Efficiency ratio | 104.64% (p99 of band) | |
| Noncurrent loans | 0.13% (p14 of band) | 0.65% |
| Net charge-offs (annualized) | 0.52% (p97 of band) | |
| Reserve coverage of noncurrent | 695.77% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 154.51% (p98 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | loans exceed deposits, deposits shrinking |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | liquid assets <10%, capital falling | deposits shrinking |
| 2014-12 | 4 | wholesale funding >15%, construction >100% equity | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 2 |  | liquid assets <10%, construction >100% equity |
| 2015-09 | 4 | liquid assets <10%, construction >100% equity |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | capital falling |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 8 | losing money, expense ratio p90, charge-offs p90 |  |

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

- 2019-06-07 [Why DNB sold to S&T Bancorp, and what it will mean for local jobs - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxPdEtXU0tUVVAzZFdMWWdtMlZjdmlHNkFUdTdZUTdib3JVaTdqd0dnMlQ4SHNQWlk4WFZKRVF2UE9lWEJPVHZ6NEgyRUhLcGpYT1RibXlOTWQ3M0ZNRm5faUJQOGNHcWJsaS1EU3Q4NFNqcHpMbTZrTmlIaWpSakVVYktYZWF6ZUZfTlkzcDdpdFIyYVg2ZFpKcHBKVnRydjdXWWlXRHFmeFNxcXJ6dmotaQ?oc=5) · The Business Journals
- 2013-10-30 [Historical society to hold ‘Preservation Celebration’ - The Chestnut Hill Local](https://news.google.com/rss/articles/CBMinwFBVV95cUxORkZEeHFXd3kxUHNiZkNDVW1ueHMwT1A3V1l4ZUNhbEhpdUI0REZ2ZG9jd1Y5bTloWk9FcjJjNVdDWkx2d29rQld2NHF1REVvY2VxSVA1S3BoRVJfMFlzQW9Zb2toSEc5emdpSmtRTjlzSW16TUxFU014NWdjX0xpQUkxcFYxNXZScDJxQlJlTW0yUnpUb2dPaElQZGlvd1k?oc=5) · The Chestnut Hill Local
- 2025-09-02 [There’s a major traffic problem called the ‘Mixmaster’ in CT. There are two plans for fixing it. - Hartford Courant](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOOS1DTXd0OVpZbGY2UUhSOFZLajVWcTVzLXI1OGdmRFBsYUk4OVE4RmVPd0FIOEM4OVQ1ZUFRSmxwRE55ZVRIT2w3dk03YnVJQzZHOXNCU2VvcFNZOGJYa1ZjR0xxT2RpRjd0dk1YRW40RlJnbkt3SXBwMDF6RWZweU9JR0k3U0MweUdQX1k3b3lwNEcxUV9NWHNBUkw1eGVaSmpSZU8tRXhqdG1lS0NSaDExNk9ydUFvd3BNWTVmOE0?oc=5) · Hartford Courant
- 2025-07-22 [View From The Eighth Pole: No Love In Philly - Paulick Report](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdXR1OHZrVzV2a3Zzam5sV2lCaHRMeXhjT1dQUXVEVDRoRnpPSWpaUUp3dkRDY3ZwODBuWWtaMzM4bE15RTc3UjQ5eVkwWllUdldDOGUycHVDRDN3TndORllSaWZXT3JZbWg5aEY2MkJwR1dMMUw3S3lfdGV1eG5oempqT0lCd29BSGRzODhycS1Idw?oc=5) · Paulick Report
- 2016-10-11 [Montgomery County home featured in 'Creed' to be auctioned Nov. 2 - PhillyBurbs](https://news.google.com/rss/articles/CBMirgFBVV95cUxOYnZiWE0xX2FwOFhiNWsyMVlldnFlVmFwRElSMUxFbU5aSDlGM2ctWnJ5Q0V5cUQ0bURCc0hQTnFpeERJa0ZXNktLVXZ0OE91bHRYYjJ0Z2hRWHpEaE82Zlp1QmxGaldSVDU4RVRMQ2JsYkVJMGluSDFtdndkeEFfcGozU0FOR1NUTlhhbV9hUFdnYlUxbG1OTm9ZNWZyVExQSGZLeFhHam9INjFVc2c?oc=5) · PhillyBurbs
- 2012-02-17 [Gorgas Park's Best Friend Dreams Big for Future - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQVZNUWxvQmVWYVJ4SGt4dE85anE4b3haNXhJb1VONE9nanFyNEhndDBrRThvb1FYOWRhb2tzQVRKR2J1ZUF6TFU5RWpwNFhKVFdiV2lIUzd5MGotNzJVZXA5NlRoRmlkUjFHYVpzMXFQWEZpaVV6aEtLTjI4VXBDYm9EYlp2VVpWSDFCeGRMMWp0cUE?oc=5) · Patch
- 2022-01-13 [Bryn Mawr executive Christopher McGill not joining WSFS, takes role outside banking industry - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPUnMycERWLXpFRmJfbW9KUU5hWHVOaUtoMjktWVYwdnRNQ0NUdTFXQ3g2UWRvNU5uUWZWVi1pWHptMVVJUEhfWnJjMFJZOVlVYW9mcFZ2NXVod1MtaG5YSGpxVXFyZmJvMU01LU9JRE1COFRrUXM0ZVZ0eERlOXlONGttY3dfcnBhV18wSlAybFNMS3d6WVlieG1feFhWZw?oc=5) · The Business Journals
- 2013-05-17 ['Slumlord Millionaire' gets 6 years in prison - Inquirer.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQajJFSFUxRjRGcU83dG5OdlR6bnBwNnl6clB1aUowNGNmZ3k4WjRvMDZwbkVVWGo3SHplMHFCdmd1X004eHFYOXR5OUg2Uk1LRm9HYkNwMUZReGstTXFIZlViek5NM0xwb0V6TXVJUE9pYkFSTjR1dU41NlFmcS1SV1lVU0RyZTBXaTRQeW9vSm4zWjFPeWtJaWVDQTU?oc=5) · Inquirer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58171 (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/59.json (key "58171", 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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