# NOAH BANK
ELKINS PARK, PA · FDIC certificate 58196 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $241.6M | |
| Deposits | $193.1M | |
| Loans and leases | $196.9M | |
| Total equity | $35.3M | |
| Loans / deposits | 100.51% (p93 of band) | 65.77% |
| Liquid assets / assets | 11.69% (p5 of band) | |
| Uninsured deposits / deposits | 11.81% (p19 of band) | 19.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.70% (p76 of band) | 10.97% |
| Unrealized securities loss / equity | -0.08% (p93 of band) | -19.70% |
| AOCI / equity | 0.04% (p18 of band) | |
| ROA (annualized) | 0.47% (p20 of band) | 1.01% |
| Net interest margin | 4.79% (p91 of band) | 3.56% |
| Efficiency ratio | 99.38% (p94 of band) | |
| Noncurrent loans | 4.25% (p98 of band) | 0.18% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | 34.56% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 0.00% (p8 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 | -26.4% | |
| Employees | 61 | |

## Flags firing in the latest filing

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

## 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 | 3 | losing money |  |
| 2012-03 | 4 | leverage <7% |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling, losing money, leverage <7% |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 6 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, leverage <7%, capital falling, reserve under noncurrent |  |
| 2014-03 | 5 | brokered >10% | leverage <7%, capital falling |
| 2014-06 | 3 |  | wholesale funding >15%, reserve under noncurrent |
| 2014-09 | 3 | wholesale funding >15%, charge-offs p90 | liquid assets <10%, brokered >10% |
| 2014-12 | 5 | liquid assets <10%, reserve under noncurrent |  |
| 2015-03 | 5 | deposits shrinking, assets shrinking | wholesale funding >15%, liquid assets <10% |
| 2015-06 | 1 |  | loans exceed deposits, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2015-09 | 2 | assets shrinking |  |
| 2015-12 | 1 |  | assets shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | losing money, expense ratio p90 |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 1 | reserve under noncurrent | charge-offs p90, losing money, expense ratio p90, capital falling |
| 2017-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2017-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-06 | 4 | losing money, noncurrent p90, reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2018-09 | 3 |  | losing money |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | expense ratio p90 | charge-offs p90 |
| 2019-06 | 6 | losing money, charge-offs p90, uninsured deposits leaving |  |
| 2019-09 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 8 | leverage <7%, capital falling, deposits shrinking, assets shrinking |  |
| 2020-03 | 7 | noncurrent p90, reserve under noncurrent | losing money, leverage <7%, capital falling |
| 2020-06 | 7 | losing money | uninsured deposits leaving |
| 2020-09 | 7 |  |  |
| 2020-12 | 8 | liquid assets <10%, uninsured deposits leaving | reserve under noncurrent |
| 2021-03 | 6 | reserve under noncurrent | deposits shrinking, liquid assets <10%, uninsured deposits leaving |
| 2021-06 | 5 | capital falling | assets shrinking, losing money |
| 2021-09 | 5 | deposits shrinking, assets shrinking | expense ratio p90, capital falling |
| 2021-12 | 5 | expense ratio p90 | assets shrinking |
| 2022-03 | 5 | losing money, assets shrinking | charge-offs p90, reserve under noncurrent |
| 2022-06 | 3 |  | noncurrent p90, losing money |
| 2022-09 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 7 | loans exceed deposits |  |

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

- 2022-10-20 [Bank of Princeton to acquire Noah Bank for $25.4M - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTE5MU3NlVUtrQ0tTakhwZ3lLc2R3UktxZkJOOXlGWklDOXpDcHhETWx0c05iXzdnRnkzZDRUT3hfLWVJeW5NVmo2ZUh0M0Y2MDJYTGVOUEdsbVRUZ2YxWklESGJQMzMwSUxrY0hTaUdMTGszUFE4dFE?oc=5) · NJBIZ
- 2019-05-31 [Pennsylvania bank works to stem damage from CEO’s fraud arrest - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxPd3lfUGxXVFFnXzJGY3hURnVjOVhZaWJ4bk5IWldqTTRqX085Nkt4TTR0LUc1d0l0UHkzaEoxdzk2c21DNFNDeVV2SU1DdWh3N3RLYVp6SUdVUUhnRzMwaUZpTDBFczlsX0JtQXctaHlVenhiX1Z2dTZ4UFBMc1VEdmg3VHNCeEZfRFlsYzEzTlJXNnhNYVg2ZGtNNGNlUQ?oc=5) · American Banker
- 2019-05-29 [Bank CEO charged by feds in taking bribes and secret self-dealing - Inquirer.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORVpqdVlhNTVsV1k4ZGp1QlBXcGFRODBVQkswYnZ6N0YyZG1iYVNRTFF4RThXdkRoVVhEeFV5R1FUbm1BZF9oUVJtN1ZCZ2JOUV9fT0FFWkhWSGhJS0Y3Uy10WmdNZWZZbVJFdWRYRWw3a3gtbXI1RnFPNXA3YXNPenNqWWNST2JpQ0JuRWpzcUp5ckRDZkt6NmRxSFZzMVpRbldNZHJFcS1EWkk?oc=5) · Inquirer.com
- 2013-01-03 [Small Banks Succeed Courting Immigrant Business Owners - Bloomberg.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWnhzcjhjekJkTXRlVlFzWHJGa3owTkQycHZHNS14bmFUcDlkQlFCNEM0dkl2Z1NoMF9CdmFmWFZVTUZJek1wTk9rSENTUVhqRy1FZGhsNkg1RFpXcm5tRC1BZVYtM0hpaEZBRHpDMWhBQ2xxV2JVeC0wRzJheGtqQ2V3MHBpS3YzZHRwa1lWeDlvdjZMbWx5UUx4ZFc1enpZVjh1OEt5aWU?oc=5) · Bloomberg.com
- 2019-07-11 [Noah Bank Opens In Jericho - LI Press](https://news.google.com/rss/articles/CBMiekFVX3lxTE41SnVERXl3bktQNzZPWk1maEtjT0cwc19UTjhoa0VXZUdRXzNUVy1vdy1mTnVadFVxOHhlNV9HZzRQQ2Fwa3dQWmxzQmttM0ZlOFl5UXVUTjl3ZlNTMTFyRTFMU3ZyTV9VR3JCZlVYSTY3a05XMjRoTTV3?oc=5) · LI Press
- 2024-07-30 [Princeton Bancorp says deal for South Jersey bank advances I-95 expansion strategy, with more deals possible - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQTV2WVRneW1CQ3NLaUlQZ2Rwal9zTlJSOS1ERFc2VXFYMy1KM3NtR2ExNXhRYnUwc2Rrb0NzUENFdWJRSjdnVU1SdVVjcFprcXNLSEtWZ1EtVXVwSER0X2l4SkRnenNUTFdQQzJSTUpmR1lMM3Q0RlZzQVVZQlkyNmpUZjU1NTdRbENTQXFHN3RvMnR2c2QzcURmRXNXSGJNT3p3cE93?oc=5) · The Business Journals
- 2015-08-28 [Prudential Bancorp, Inc. Announces Hiring of New Chief Lending Officer at Bank Subsidiary - GlobeNewswire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPVWUxdWkzZEtsckVKNnVsS2hQaFpwNTI0SkUyTVU2Y3JzbGV3bEQ2ZC0yeE1Ba1NZei1Td01zMDl6cjQyQ004UTgzaUdqR3pxTTBzNDBZNGdqTUQ3VW1kS3ptQzllMGJwMW1iTWQ3NXU2X0VWWXp1TlA1d1U3a3BnZ1lFM2h1V3h0Rm12NW9YblFMdFZQU0pUZGxmUmdLbExkczgzR0dHRXQ3YUxiRzg5eFhJaThEXzN6YVotYXpVcEZzaENxUkpIdWdYV3RtX2c4UjU5TlhmdHZyMHh0TFo2N1VMVVVEblh4WG5uT1ZkOA?oc=5) · GlobeNewswire
- 2023-05-24 [Mid Penn Bank completes $43.7M acquisition of Brunswick Bank - NJBIZ](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdWMtVTQ5SWRmVUUyOVFwRDJNOGV3U0lpVWkxUU5uVnFoTU14T0JESjZRT3VYeDlZQk1ld214RzdTb3VWMWpFYjlLUHNKNXNuZE1hTURoejczUk9rSWQwaTdUck53SGhQXzg0WDZXaDZPa2w1N1lwVkxMMXBXaWIxcFNOb2g?oc=5) · NJBIZ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58196 (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/20.json (key "58196", 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