# FLUSHING BANK
UNIONDALE, NY · FDIC certificate 58564 · asset band $1-10B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $8.86B | |
| Deposits | $7.60B | |
| Loans and leases | $6.56B | |
| Total equity | $922.7M | |
| Loans / deposits | 85.79% (p49 of band) | 86.15% |
| Liquid assets / assets | 20.70% (p47 of band) | |
| Uninsured deposits / deposits | 36.31% (p65 of band) | 30.71% |
| Brokered deposits | 12.70% | |
| Wholesale funding | 14.65% (p79 of band) | |
| FHLB advances / assets | 1.94% | |
| Tier 1 leverage | 10.45% (p50 of band) | 10.45% |
| Unrealized securities loss / equity | -2.40% (p77 of band) | -8.13% |
| AOCI / equity | -0.25% (p58 of band) | |
| ROA (annualized) | 0.54% (p11 of band) | 1.22% |
| Net interest margin | 2.88% (p14 of band) | 3.64% |
| Efficiency ratio | 70.12% (p77 of band) | |
| Noncurrent loans | 0.77% (p64 of band) | 0.54% |
| Net charge-offs (annualized) | 0.02% (p56 of band) | |
| Reserve coverage of noncurrent | 87.92% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 4.45% (p8 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 574 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent | uninsured deposits >50%, NIM <2.5% |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 4 |  | capital falling |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 4 |  | capital falling |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | uninsured deposits leaving |
| 2017-09 | 4 | uninsured deposits leaving |  |
| 2017-12 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | capital falling | brokered >10% |
| 2018-09 | 2 |  | reserve under noncurrent, capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | brokered >10% |  |
| 2021-03 | 3 | charge-offs p90 | brokered >10% |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | brokered >10% |  |
| 2022-09 | 3 | capital falling | brokered >10% |
| 2022-12 | 3 | brokered >10% | capital falling |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 5 | NIM <2.5% |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 | capital falling | loans exceed deposits, charge-offs p90, NIM <2.5% |
| 2024-03 | 4 | NIM <2.5% |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | losing money | capital falling |
| 2025-03 | 4 | reserve under noncurrent | NIM <2.5% |
| 2025-06 | 3 |  | losing money |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | reserve under noncurrent |
| 2026-03 | 2 | reserve under noncurrent | wholesale funding >15% |

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

- 2026-06-04 [OceanFirst taps familiar playbook to keep customers, staff - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdzMweVhXOHdsMGlsdS1QNGkwLUM4c1JVM1UwcF9xRzJodVJrNU40UXB5OXhKTnk3dG96LUktR3BUbkUwYnlFUWZObHVHOEYzNFFLZXJsQlVZUkVuRXJ6UVFfcEZRUkRYbEd6TmRPN3NFZWNuLWtnRUVsNU04RjNnOWNWRk1fQVE?oc=5) · Banking Dive
- 2026-07-31 [Flushing Bank layoffs: 174 Uniondale employees to lose jobs - newsday.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1kekE2WEVjcE5wWWY5dG5HaEM1ekRTM043UGV2SXZqdmp6MEZjTl9td044X0Viei1LUVJGYW9DaXU3UXBBT0FUeFdMeExjTkI5aVhLekI2NjlVekYta3A0SlZJbXVDQkdKWjBET3FOMXZYZ1p4aTlaRXoyTnJVS0k?oc=5) · newsday.com
- 2025-12-30 [OceanFirst to buy Flushing Bank in $579M merger - NJBIZ](https://news.google.com/rss/articles/CBMic0FVX3lxTE1obWNBeU9saXF5NDBvQlV6RUNiYzA0akhkc2FZOHFhWGJZYXc0b0xkbUllUF9tQWwySmFkVVQ3YXk2SHNXSVhzY3FMX2thdzdwT0puZ0MyYlpSa0l5eVRkejNQMWN2bU92THk5Zzh4RnlsVFE?oc=5) · NJBIZ
- 2026-01-02 [OceanFirst to acquire Flushing Financial in $579m all-stock merger - FinTech Futures](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSUIxTnBKSlU4cUNsVWtIUDY0aWVCbUszdGQxNDZMZlpWajdiZU9JR0p3UXROX3hQSTRqbGcyR3NWbGRXeUJ4bURrY1hzRWJURmtHRUlhTTBFR1V6bWNMTHlYdE9JSjNPVGUxQWlONHpkYllySk82a01aMGJCSFEzYTdnT2xLcnpvMEdKUVpURkFrdEV0akNpeVYyNEQwd1BBbUE?oc=5) · FinTech Futures
- 2025-12-30 [OceanFirst, Flushing Bank agree to $579 million merger - ROI-NJ](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYU5rYTRQYXpqRl82UVE3LVNoZnVxaGoxWDZfeHRHMFIzSi1TakhVTGpHTk4xYnBYazJpZHJ4dGJrWHRaMFV4Z0F6bzU3dS0tUDdUYzY4SXgwb2hsZFpHYzhXQ1Q4N1ZDNy1HUjNiZ2R3OVRMSGFYZ081N254Y0NLVGF1YjZtQlc4T19uSTBZOE5hcHB5R0xnREFuVQ?oc=5) · ROI-NJ
- 2026-06-08 [OceanFirst Purges $1.4B In Rent-Stabilized Multifamily Loans Following Flushing Financial Merger - bisnow.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbk9HS09xamFjSWJadzQteGtFYlNIa215cjgwbERtS1djaDF4MmdoR1BRbDlwR181a3ZDV2dyQ19zZXJzOUJHRHcwS1pvWGFSbDU2M1p1X2ctMzN6SmRDMWwxMEJKd29LUk5iSHZJUkw1Z0Z4TS1WSU1WLWNUWE50aUwySWlGOC1NT1daYVlWUlloSDJEdHpncDN3a2ptS1VWY1pDVWQ2S3dwd29PODhUbEtfQ3M0SHZKWjQySGVuT1pnMXJuS3F6bVBrRUg?oc=5) · bisnow.com
- 2026-06-02 [OceanFirst restarts its growth, adds 30 NYC Flushing Bank branches - Asbury Park Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSkRIX25UQnBnS3V0cml2Q1JKb3BvNWtUYVpidDVhaEIyZ1g2Z2RfSGNqbXFaUVhtdUF0SXBNSGFjZEEyNWVNVWhXZXFvRWN3SnMzZGVVb1Rkek5iWnNPZ3FyOHZBNkFsalJTM3U1a1g0VUtTN1YtOFhFT3dtWFlONWhKQU5xVWdKS19WYkVuMzZqSkU4TDJLaVNlSnJ6bmZZ?oc=5) · Asbury Park Press
- 2026-01-05 [OceanFirst to buy Flushing Bank in $579M NY expansion - Banking Dive](https://news.google.com/rss/articles/CBMixgFBVV95cUxNaDhLVV85cjJuTzlrZ2NYa1Y2anRIS1ZWdF9wUHFtY2F4dzhPUm5tNUJ2U1BJWFE0ZnAwcVc4U2dNaXNsd1hMS3RWeFpJcDk2VlhMclpFbVVoV3pjUV93dGNwaGdacm1KTm1FVkRxdFJ5YjhYNjZQTU9lUU4xajhHMDNGUXV5UktDMk1Mdm1ZYzlQZ3JnV0w3WXJxbUlJQXRZVTc4b3VuUldlZjlULVRUVC1TUkZQYTg1UUNfODhvLUxFT0NBbUE?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58564 (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/4.json (key "58564", 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