# NEWBANK
FLUSHING, NY · FDIC certificate 58203 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $618.0M | |
| Deposits | $517.7M | |
| Loans and leases | $465.4M | |
| Total equity | $90.4M | |
| Loans / deposits | 88.58% (p67 of band) | 82.04% |
| Liquid assets / assets | 22.45% (p41 of band) | |
| Uninsured deposits / deposits | 35.57% (p80 of band) | 25.97% |
| Brokered deposits | 0.16% | |
| Wholesale funding | 0.16% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.00% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | -1.32% (p84 of band) | -8.10% |
| AOCI / equity | -0.81% (p29 of band) | |
| ROA (annualized) | 0.83% (p23 of band) | 1.28% |
| Net interest margin | 4.26% (p70 of band) | 3.91% |
| Efficiency ratio | 59.61% (p45 of band) | |
| Noncurrent loans | 2.65% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.49% (p96 of band) | |
| Reserve coverage of noncurrent | 55.59% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 3.68% (p8 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | reserve under noncurrent |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-12 | 2 | capital falling | reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 2 | NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90, capital falling |
| 2021-03 | 1 | charge-offs p90 | NIM <2.5% |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | charge-offs p90 |  |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | noncurrent p90 |
| 2025-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-09 | 2 | deposits shrinking |  |
| 2025-12 | 3 | noncurrent p90 |  |
| 2026-03 | 3 | charge-offs p90 | deposits shrinking |
| 2026-06 | 3 |  |  |

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

- 2015-04-14 [Which NYC bank offers the most SBA loans? It's not the answer you'd expect - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZl9TTHZEQ3dPampQZ2Z6RzlwSV9wY20tUGIwUnphcXlyODNaS0NPQ3pTS1hGdXl6TlJVWVJHWWF2REtDM2dtZXlEVlJCa0ZiYmpIdC05Qk1pY3NfVVVGV2wwcTBFdXhDYzFHMEV0QXBxZjNvYW5FTGg4cHJRTHVXN2gxb2lEU1dTMFJWajdwVFFaR01zVURHV3RnOWRXeFE?oc=5) · The Business Journals
- 2025-07-11 [Owner Battles Banks Trying to Foreclose on Her 2 Chinatown Buildings - WestSideSpirit.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNMXpncTAyTnNfOU1PNy1mWDhNZDVJMDJjcFFCSTF6cmZIVy1vZENnTUhPY0NwV1NmNHdLSlEzbW1JVUw0VzlJWkxvNnAwRUhoTF94dkxyQ2xMVHRIQ1RDY2ZoeWF0aVFHT0VkXzctYUlsZDVFSUdMMDJnbF9ySkp2VzQya2FDdDBMZVpTNkhncjVMNnNaTW9vYUZzNUxSUTZ1eVA2N0lIamVnRkJ4M1BPQmtrbHg?oc=5) · WestSideSpirit.com
- 2020-11-11 [Not by Capital Alone: East Coast Capital Holdings Becomes Founders' Impact™ - newswire.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMjkycWcySjRReHFEdC1hVlNLVjFsSmRpaElzTWozQ2xlN05vQ29GSk82SWRJZUhHYWJRVDhoVWxLV3k3RkJsZFQ3a1dTenRQc2NEVVl6a1NNNVhtUzZTYzRoSjN1T2ZLV2xwMTZNOVdHMEUtTHVITUxHa0JLR0pVZ0VJVHFjX2J0MWNxSXBUcVNyT2dFTUVxOTU3X2N0VXNJTlFybHp4OA?oc=5) · newswire.com
- 2025-01-11 [Court blocks auction of Chinatown buildings in $13.2M foreclosure - AsAmNews](https://news.google.com/rss/articles/CBMiekFVX3lxTE9lY2t2WXhUSUlNbjNON0lmNnVvZndycXdvZUhkUXBBMWluM1AzamNBaDdGcEpJeXVNUVB6V3BlVnhVVGRYdGJ1cGFsNW5hTjNqRTdSZXkweGtYSTJDUmJIRkZ5LWROYmVfdkIwbU9OQ3BLZy05cHZtRERB?oc=5) · AsAmNews

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58203 (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/27.json (key "58203", 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