# WESTCHESTER BANK
YONKERS, NY · FDIC certificate 58652 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.28B | |
| Deposits | $1.08B | |
| Loans and leases | $906.2M | |
| Total equity | $140.9M | |
| Loans / deposits | 82.30% (p70 of band) | 74.28% |
| Liquid assets / assets | 26.77% (p38 of band) | |
| Uninsured deposits / deposits | 56.91% (p90 of band) | 32.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.70% (p55 of band) | |
| FHLB advances / assets | 3.70% | |
| Tier 1 leverage | 10.72% (p74 of band) | 9.58% |
| Unrealized securities loss / equity | 2.28% (p79 of band) | 0.34% |
| AOCI / equity | -0.18% (p80 of band) | |
| ROA (annualized) | 1.31% (p57 of band) | 1.23% |
| Net interest margin | 3.12% (p41 of band) | 3.24% |
| Efficiency ratio | 43.87% (p11 of band) | |
| Noncurrent loans | 0.38% (p50 of band) | 0.38% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 435.51% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 16.29% (p17 of band) | |
| Auto loans | $11,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | loans exceed deposits |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | loans exceed deposits |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | loans exceed deposits |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 0 |  | loans exceed deposits |
| 2017-09 | 1 | loans exceed deposits |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | uninsured deposits >50%, capital falling, run vulnerability | loans exceed deposits |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | run vulnerability |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |

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

- 2026-05-22 [Former NYPD officer admits stealing more than $100,000 from Westchester bank customers - News12 | Westchester](https://news.google.com/rss/articles/CBMitgFBVV95cUxNWEVVUGo2WnY1Mi1KOTB4bjh4dlhTM1k3MTRZSUhOTW1SS1Yxc3F3ZzhISThrRWNTTHViOEdyd3hoNm12ZG1kRTREUkJVWFRRaUdzd0ZrU1N4WVgwYkFQOUgwQ0U5WkJUdDFVamJUaHRDUWFIV2cxaXFsQkhLeDNqUGhjYUUyeGprVHVPMzhWU2VjSVMyamJTTE1FOGRZYWh2bHNoWUlmeTY2RXlXaS1hejQyVUFyZw?oc=5) · News12 | Westchester
- 2026-07-08 [Getting To Know: Tracey Zimmerman, The Westchester Bank - DailyVoice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOaGk3TVc5R2lXQ21ka1Q2Y3B2bjF3WkRFTnRVdG9iWUM3S0FQMWxVTzc2VVNIek9zTzczbnppVGNNTDJ5MzZJM3JpMkJxX3JvNG1mUHVHWFhrdHhMdk9pSk5KNExJMGpGdTR1MWlmb09RY0ZNeWU2bGdwRnRDbHVtTFdKZHozQTI0WjM3eExn?oc=5) · DailyVoice.com
- 2021-06-29 [Valley National buying a bank in New York’s coveted Westchester County - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZkpXQXFac3hHemVYcFV4TV9ubURfVXU3TkhseFY5SERVeW5KN1B1d21zcXk2WmNuNUFSMW1JcVdodHdVb2RvUlpXTUFYdEl0cVFKWjM1ZlZ3MnF6NDlsTm1NOTN3cjZvMWRmRXFiM0NMcUVrbUNFTDhOTi02WWZtY0VZaTNYdDZMcmFkZ2JQZGdYSHRSRjlwbFZHYzNJNWlKTVdIMkxGRms?oc=5) · American Banker
- 2022-09-11 [The Westchester Bank names Fernandes branch manager - Westfair Communications](https://news.google.com/rss/articles/CBMimwFBVV95cUxNUTJVbjQ2elkxMjBjNnZRckZOODlHMUdVREdZcGQydEl0bFczWkxaZFpkeVluUkRLUWFXZmJaczVvV2NvemlFeWd4UTRiVDhVX1ptLUhSY0pCM2NLaS1EXzFtN2NQU0FZYmVwMi1ucHRkbGtqb2F3VGFWeXh4aG9hLWd6Q1hBR1V4NU4ybzFKUnlZMXB2WlpZTm1IYw?oc=5) · Westfair Communications
- 2014-01-22 [The Westchester Bank Names Eric Wiggins As Chief Credit Officer - PRWeb](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZ1RuV0JZOG5NUGZXY2pnLUlJVEdYdzJrUFllemVyY3VkRENUaFhyTU5oRTk5LVBHR2p6Z2JvZTZLV3ZwRFdGZUkyV3JsTzJvTl9YNHNnaWlvaVVJTjdKOGk4cWpLQmMtaF9sY1VBVWNmWE5EZ1lfbld0V1AwQkhXZ1hjVENCemJVRHJxc3VrbjNaNXRRRTFYcjJyd2VvZ0ttUDZweGVEOFVoZ2RDRG41X2Z3?oc=5) · PRWeb
- 2023-04-21 [ATM Card Skimmer Found At Bank In Westchester - Patch](https://news.google.com/rss/articles/CBMihwFBVV95cUxNSFdPM1J6b2twN2lBVE1jSWlMclRFRVNzVmh3TTNiS1lDTVZZc1hWandtSHN5dXZtRnlHLTZGTWV1X1RCWjRQUExtVU81SU5fU3hFZzEyTFZScDVsQ3J3TkxiSnEwVlhmcEJybzZxd0lxOFM0SnR6TUYwM0FWMUhBdWl5YldHM3M?oc=5) · Patch
- 2021-06-30 [Valley National Bank announces move out of Wayne, but will stay in North Jersey - Bergen Record](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPem15VEItNG1aeDcyR0RKMzV1bHhsbm5SUE9PZjdDeXVIcVZORXdHSkdURVB6aGZtRmlHTEd6MkVUUEpHZ0J2czhSa1ctY3M0cExjNWoyUnN2c29vbElKUndYaW54MDBibGdmeVUwR1ZKc3VPRlEtZGxjdm1jbUVMNzAtXzNWeU1iUEtJM1BWejRlVWxCQk5PSzZjcnd1OG9QMlhnZThxLW1xTlpGLU9XcWNsWklfOWJaS1dMMDlTUlhjWFNRbkZrb1ptRUs2ekZ5TTVVWDhZcEdIMXpVSFFyaQ?oc=5) · Bergen Record
- 2016-04-27 [The Westchester Bank Honored By Business Council Of Westchester - DailyVoice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOLXlMYjc5dEdlTmk1UEdTRkxGMm5jV2VzS3RlVVRXWjdtLUZ1aWV5U0MzRTFManRQeHZzSTZ1UmItTEYxRk1XbnRqXzdQNWpPWUt2STlDZWs0b0hIVm0xb1VvRVdSRzFabnJnWjhqQ0YydXlhUkdBVzJkMzFzaDVxVFJOUXZPeGpvQzFHT1lKenRYWjRmRXlkWHRaNWE1ZmhOQzZSQkNJb3RnM2U1S0NJSW9GMFVDcl9VOXR3TnhyeHU0UQ?oc=5) · DailyVoice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58652 (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/28.json (key "58652", 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