# COLONIAL AMERICAN BANK
MIDDLETOWN, NJ · FDIC certificate 58412 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $143.2M | |
| Deposits | $127.6M | |
| Loans and leases | $125.8M | |
| Total equity | $9.2M | |
| Loans / deposits | 97.30% (p90 of band) | 72.67% |
| Liquid assets / assets | 9.90% (p4 of band) | |
| Uninsured deposits / deposits | 17.96% (p69 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.03% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.41% (p2 of band) | 10.53% |
| Unrealized securities loss / equity | -2.14% (p11 of band) | 0.18% |
| AOCI / equity | -1.32% (p18 of band) | |
| ROA (annualized) | -0.45% (p3 of band) | 0.82% |
| Net interest margin | 3.06% (p21 of band) | 3.60% |
| Efficiency ratio | 111.69% (p97 of band) | |
| Noncurrent loans | 1.81% (p75 of band) | 0.74% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 69.41% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 59.98% (p86 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 | -4.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 4 | reserve under noncurrent | leverage <7% |
| 2011-09 | 4 |  |  |
| 2011-12 | 6 | loans exceed deposits, capital falling |  |
| 2012-03 | 5 |  | charge-offs p90 |
| 2012-06 | 5 | NIM <2.5% | loans exceed deposits |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 6 | leverage <7% |  |
| 2014-03 | 2 |  | losing money, expense ratio p90, capital falling, NIM <2.5% |
| 2014-06 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2014-09 | 4 |  | expense ratio p90 |
| 2014-12 | 5 | liquid assets <10% |  |
| 2015-03 | 2 |  | losing money, charge-offs p90, liquid assets <10% |
| 2015-06 | 6 | liquid assets <10%, losing money, expense ratio p90, assets shrinking |  |

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

- 2017-06-30 [N.J.'s Sun Bancorp caps its turnaround with sale to OceanFirst - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPZU9PakF5SEJDUVJMY1VhMXdLXzRWaDVnVU1WVFNtWjEyc1hnb2JtVmxzenZWb1BkUkJ2b29aTjhHVTdlNVB3TmpSR3l6T09EclN2Um9tRTFwRzQyNkhoMnVLYXpKLThLMk9aanNVYk5VNDRSSmF3TWNFbEJfMGVWcUNVU09USkFPOW5ENy1YR01hUnRURVVSa29kaw?oc=5) · American Banker
- 2015-02-25 [OceanFirst wants to make history with bank deal - Asbury Park Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcWNiRjFKM0IwZndtYnlIcmN4R0RyaGtrNmpEc1pyTkQ0RjBTNUF0aVNuODZKa2RkZ2hQSld3RU1TWVlJaFpOTlBCV245bS1xVVhTekRNdHN4b3ZBb2lVeUJGN3VKVmtDazl6VXg3NU9ZVUk3N1BTNFhJU25ISXE3aktKSXc5NDFYTWdlRVJkN3ZFUGhr?oc=5) · Asbury Park Press
- 2020-02-19 [OceanFirst closing 13 branches following wave of acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeUgxaDQwQnYxTFJUY3JaWFJwcWlOZmdoRzY1V2dVd2xoaHVuSzFIZDNDZlJFWXlJQVlTaEZFdmlhc1ROVkJsWlp0UmZ6eVJ6RXVOaW53STNjZVpIN2kxQTFpeHdCNHRtWWVfZGh3cncyRGpodjRXdG45WHl1UDIteFFxX2NSWTYyekJXX051VUZSN0NldDJnVzRsTGU4dkM2Zl9FX0d2cHpxeVROTmRZ?oc=5) · The Business Journals
- 2019-01-01 [Manasquan Bank Introduces Michael Malloy as Senior Vice President - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxPdEhfRnBkN2c4NTVYUW5pVi1FUEJaQlpDNlFSQ2dxNktLb05PN3ZfUnFGdmpjY1JJb01PdHBMSjUwR3AzZXZOS3BHSXp2eWJtcEZ5dzJ6UkhMMWpLbmVMcThCNS1yOFVSRDdHSFJkRUoyUGlRUnAxYjZHbDlEaktTcHE0SkJmQzhTMGdWenExQ2JlZURLaG5RQTlZVndGZXpkUy1n?oc=5) · Patch
- 2013-03-08 [Business Beat - Two River Times](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1ma254SV9WX0tycnRxVGxKaDI5VW1VY3MxZV9VTldWM2lmRjF0VlJSWGJvRXR3eE45Ri10c0Q1cnNUSWlvYjRpWHFsME9QTUVCYl9vNklR?oc=5) · Two River Times
- 2019-02-08 [OceanFirst Financial plans giant headquarters expansion in Toms River - Asbury Park Press](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNTUQzcFJXS2lZTTRMS2ptSk8xRWYzWjJuQzd1UlFSOUVrcjBNN2FqbHB4RVltVVNseFZuZ3FjSXA4d3RpZzhMM002YnFPalItMWYwM0k2WHh2dkJzQkw5Z2J5aXBrSmV6Rm9udW9SUXRoeUJsVjJuWkFKbGExQjVJWnN0bzBHSzNkb01QWm1yWXYtZjVwZ3dEWTJDQmxkU0pBMTQwbVpCWDFVSV9VOXVEd3ZIaU95Zm1Sb3Y4WHIyNlgxZzNuTWxoV0RhNHQ1N25HTEhBQ0lhU2FuX25sUGhnQXVNQnc?oc=5) · Asbury Park Press
- 2021-11-04 [OceanFirst to enter Maryland and D.C. retail markets with planned $186M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNb09UeFMtaEZRY3BfbUFveU4yMU4tZTFLTFE3OERXcmFyZTU5RzR3SkV6cGxBLThObWlVbzduN0VEMWNpV3piYU5LaXprVmJjUTR6WUI5ZUIzQ1lldEN4c0NrcU9rS1dWdHhZLVRGOHRnOGZPU3hpYmhuaWJkZGtQVWhKOHBGYVpFSGR5T2tLMXFaeFVSMlg0Uy1JdlZYdm9P?oc=5) · The Business Journals
- 2017-09-07 [K. Hovnanian leaving Red Bank, OceanFirst replacing it - Asbury Park Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxPaEV3OXZHblhTTVBxY3lFalNFeDdaWVdibXFzYnprdUYzblRzQzBuc3JkVVhTUjVKUWFGU3l4bkxpSFZ6NWRjUDNsQWdoYUFaTkMzZkFQV21TTDQ5WkI4cC15dEFaZzRNblVpaDNWdXpoMjVaSUFBUzBwVzZtOGU5N1pPMFJMYzNDWDJxaEc0LVBrOFFTb0VHdUs2djJGRXpGZjdITnptYUVKTHpQY2J0LWV6TQ?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58412 (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/44.json (key "58412", 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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