# VANTAGE POINT BANK
HORSHAM, PA · FDIC certificate 58531 · asset band <$300M · latest filing 2013-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $63.5M | |
| Deposits | $62.5M | |
| Loans and leases | $44.1M | |
| Total equity | $668,000 | |
| Loans / deposits | 69.60% (p51 of band) | 69.26% |
| Liquid assets / assets | 28.81% (p37 of band) | |
| Uninsured deposits / deposits | 5.99% (p19 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.13% (p0 of band) | 10.29% |
| Unrealized securities loss / equity | -18.11% (p5 of band) | -1.01% |
| AOCI / equity | -17.66% (p7 of band) | |
| ROA (annualized) | -4.97% (p0 of band) | 0.76% |
| Net interest margin | 2.64% (p10 of band) | 3.63% |
| Efficiency ratio | 124.85% (p97 of band) | |
| Noncurrent loans | 4.08% (p89 of band) | 0.94% |
| Net charge-offs (annualized) | 0.69% (p93 of band) | |
| Reserve coverage of noncurrent | 35.87% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $29,000 (0.07% of loans; DQ 13.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | charge-offs p90 | losing money, expense ratio p90 |
| 2012-06 | 3 | losing money, expense ratio p90 | charge-offs p90 |
| 2012-09 | 3 | loans exceed deposits, wholesale funding >15% | losing money, expense ratio p90 |
| 2012-12 | 5 | leverage <7%, losing money, expense ratio p90 | wholesale funding >15% |
| 2013-03 | 6 | capital falling, assets shrinking | loans exceed deposits |
| 2013-06 | 7 | leverage <5% | assets shrinking |
| 2013-09 | 9 | charge-offs p90, assets shrinking |  |
| 2013-12 | 9 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-03-14 [Marquis Who's Who Honors Melvin "Houston" Baker III for Expertise in Home Mortgages - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxNcjUwY1lITFlKbXNrQ3lGNHFWTExQZzdFa3VHTU80QktvaXVtanNURWNvbkY2bjhIY0RINGNGc1NidWhqZHhhbXctX2drTEVkQ2c5UUF6dmoxTlVKYmtpV2tGNHlfWG91Y19fMmhKeTAzLUtFaVNvWnh5YWtmVkhzc0JFbExRbmp1c2x4aUw4X0E0ajNuUk9LUjd4Y1JrWjY0U2pCX2VubXVHN29hRWJPejBDelJGRzNacC05eEMzeTNZcm1LdHpIbWRJY21IZk0?oc=5) · 24-7 Press Release Newswire
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58531 (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/35.json (key "58531", 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