# USNY BANK
GENEVA, NY · FDIC certificate 58541 · asset band $300M-1B · latest filing 2020-06 · 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 | $463.8M | |
| Deposits | $412.8M | |
| Loans and leases | $419.3M | |
| Total equity | $44.8M | |
| Loans / deposits | 100.11% (p87 of band) | 82.55% |
| Liquid assets / assets | 8.47% (p2 of band) | |
| Uninsured deposits / deposits | 21.21% (p41 of band) | 23.22% |
| Brokered deposits | 7.85% | |
| Wholesale funding | 7.85% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.44% (p37 of band) | 10.04% |
| Unrealized securities loss / equity | 1.13% (p28 of band) | 2.80% |
| AOCI / equity | 0.24% (p18 of band) | |
| ROA (annualized) | -0.92% (p1 of band) | 1.04% |
| Net interest margin | 3.71% (p59 of band) | 3.59% |
| Efficiency ratio | 114.55% (p99 of band) | |
| Noncurrent loans | 1.06% (p74 of band) | 0.55% |
| Net charge-offs (annualized) | 1.24% (p99 of band) | |
| Reserve coverage of noncurrent | 134.01% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 13.65% (p22 of band) | |
| Auto loans | $930,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 4 | liquid assets <10% |  |
| 2012-03 | 3 |  | liquid assets <10% |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | wholesale funding >15% | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 4 | loans exceed deposits |  |
| 2014-09 | 3 |  | loans exceed deposits |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 4 |  | capital falling |
| 2017-03 | 1 |  | wholesale funding >15%, loans exceed deposits, liquid assets <10% |
| 2017-06 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2017-09 | 4 |  | wholesale funding >15% |
| 2017-12 | 4 | wholesale funding >15% | loans exceed deposits |
| 2018-03 | 4 | charge-offs p90 | liquid assets <10% |
| 2018-06 | 2 | liquid assets <10% | capital falling, wholesale funding >15%, charge-offs p90 |
| 2018-09 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2020-06 | 6 | loans exceed deposits, liquid assets <10%, capital falling, losing money, expense ratio p90 | brokered >10%, noncurrent p90, reserve under noncurrent |

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

- 2020-06-01 [M&A Update: Pacific Premier Acquires Opus Bank - Banking Exchange](https://news.google.com/rss/articles/CBMingFBVV95cUxOb2RXejc5MDVLYkJXRDZmOS05UnVlc2ZjdEllaUxmMktxZlVxR21CVTN2OW1ubUpaWDA1bnE5c19xSGlMa3M5Wnd5bDJ2ODlqMkFvNzVTVEF2eXFNQWtaTUVOMnFMU0NyMzJBbjlENnFzdVZNQ1UyaDZkbllTVG50ZDdfUTNjcWN4bWcxbXFGZmhDNThNdjhQdTJ3c2ZwQQ?oc=5) · Banking Exchange
- 2020-01-12 [Pennsylvania firm acquiring Bank of Finger Lakes - Finger Lakes Times](https://news.google.com/rss/articles/CBMiywFBVV95cUxOMzVsUnhuR3pxZWNqSlAzc01hQ0JBd2h1QVlNMVF6ckZ5Vk9MSUltUE1RaUpqRzhRNzk1M2taQ2Vxa2YxTHV4WHdsUC10LUNVNXhVSFNVS19jRnlGTkhpbS1uWl9qbzlxcEdiT01yNk15RDJHVGRYWnNrc2hEOG9weTd0cXBEanJzVHVIaUw4V3hsc3dUUVdrVkV4YWE0V1F0TXBhbkJCQXc2TTE4U2s2R3RtcFZRTEs5QVdkWmpBMDk2TFdrbWRzc2dLaw?oc=5) · Finger Lakes Times
- 2021-11-04 [Other voices, other views by Wayne Mellor: Public banks and our local economy - All Otsego](https://news.google.com/rss/articles/CBMipAFBVV95cUxQeFJ5UEdodDB3RnpNU2J1OHllN0I1RnUwNUlWWXdkbF8ybm0xUmhjWGRORW14V1NkS2lxZk5hVVIwM0ZHNV9ELVBHaHU2c2pWMGdaZUxMMXYweUVoRUhsVlBuaTVDQTZ4SFlGcm1JTk05NVl0YjdRSFZiM3hlUGstSlFmMlFWOTR3Unc5d3ZDREJCUzJIUkF4U1F6c3g5V0NCWlJTMQ?oc=5) · All Otsego
- 2017-07-06 [BUSINESS OF THE WEEK: Bank of the Finger Lakes - Finger Lakes Times](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1phSzNLRkhTeG43aW9KQWd4Q3d4eHZvR3U4WTAtSEx3a2tNZWgtUjE0RTlSNS1BS1FkcWVfekZoWF9UcnNudU5qQVhmb3F0cGdSTGJ0WFhjWExhOW5aNTRicXAyNExDcUVzZElaT3U2aGVvTVNaTFFKYnc4MUZTV1c4SVRjX3RGOXRUcHVlUTBoWjItakQ0b0JMTXdYUzlaSTVoYjFSNmRRbEJ4Yml6NDZBRmlOd29LTXZBUXY4SldQU0RkSktR?oc=5) · Finger Lakes Times
- 2017-05-05 [Bank Of Cooperstown Names Bob O’Neill Emeritus Trustee - All Otsego](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTkFPbU9YRHZkV2IzamdzNjJ4Rnltc19vZUNwc21yaUtrSWo0VWEwYUJZWEhJMnhvc3BDNjRHaTVMekxfS1luV0RveHhvQXF6LVpKMUswTnlONlU1NGRISmNqbERrYzh0dzdjVy13OW1FZmVKeml0Z05uQlJEd044R1pRNA?oc=5) · All Otsego
- 2019-07-11 [Westfall named to 40 Under 40 list - Finger Lakes Times](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNWmwxNmhKazJKUVZFNjB3N2ZhenBsWTRKVkluTHNkYXlhajRYYS1sMEFONGl4MkRNSFdxcU1UUHpEN0VRbkZ2OEwxVVRyemVZSTlWNU85NkxwY0ZzOWVnRndkamoyaFpjU1ZSYVN5ZTdEcnY3WjQ0c0xoOW8xN2VPY1RzN042UERheVhGdXBHN0VCR0NwMDNPdTI0djdNUGpGZ2RxMTdNMEEwbDJ1U0hWS0JVVEJZTTNiUGtSRkkxdTJyUQ?oc=5) · Finger Lakes Times
- 2021-09-24 [Geneva transplant Debbie Ferrell opening new art gallery in city - Finger Lakes Times](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPU3djci1jRG1BNnRGa3BNS1B3WlZTLVYyLTI2ZGx3WWRQTVZlUEZFcUFoVkJjaUJiVldDXzVBR3BpZUNMV2hGOVlkUU4wWVlwQ3lTZ1VNQmtBWVB4TnlOZFBLVVBrX21RRWJwUXJ2bGZkQlc3VW9oY2daUXNTWDhvWHJjQ3NjLXJsRUNjdEwyLWlHQmRwSzk0YUZKMjlLRURVMi0zOVMteVhwak1VMkJGdXAtekdPR2RJVWE3T25FdVNrV09qTmtNcGJiU1FJUmF3RXBuV1J3T25UZGc?oc=5) · Finger Lakes Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58541 (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/45.json (key "58541", 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