# NEW WINDSOR STATE BANK
NEW WINDSOR, MD · FDIC certificate 5866 · asset band $300M-1B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $320.6M | |
| Deposits | $292.6M | |
| Loans and leases | $273.7M | |
| Total equity | $25.7M | |
| Loans / deposits | 92.66% (p71 of band) | 84.48% |
| Liquid assets / assets | 10.14% (p7 of band) | |
| Uninsured deposits / deposits | 12.82% (p19 of band) | 20.77% |
| Brokered deposits | 2.71% | |
| Wholesale funding | 2.71% (p32 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.11% (p4 of band) | 10.22% |
| Unrealized securities loss / equity | -1.40% (p11 of band) | 0.17% |
| AOCI / equity | 0.53% (p38 of band) | |
| ROA (annualized) | -1.32% (p0 of band) | 0.94% |
| Net interest margin | 3.82% (p63 of band) | 3.62% |
| Efficiency ratio | 150.84% (p100 of band) | |
| Noncurrent loans | 0.69% (p54 of band) | 0.60% |
| Net charge-offs (annualized) | 0.12% (p82 of band) | |
| Reserve coverage of noncurrent | 139.13% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 61.00% (p69 of band) | |
| Auto loans | $492,000 (0.18% of loans; DQ 2.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | charge-offs p90 | losing money |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 | deposits shrinking | capital falling |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | loans exceed deposits | charge-offs p90 |
| 2015-12 | 0 |  | loans exceed deposits |
| 2016-03 | 2 | liquid assets <10%, charge-offs p90 |  |
| 2016-06 | 0 |  | liquid assets <10%, charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | liquid assets <10%, capital falling |  |
| 2017-03 | 0 |  | liquid assets <10%, capital falling |
| 2017-06 | 2 | losing money, expense ratio p90 |  |

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

- 2018-08-05 [Woman arrested in New Windsor State Bank robberies - WBAL-TV](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSUdCeERDZnQ4LWY2RGtDaDg3bW55QzdkZEdqRTZhckRjSmR0OWpZdF9jZUdGLXN1VUtLZkpfbkNSRkU2WjZhTzRpSTZaUzJjQklaY2cwWmhSRlBiTmYyN2tZeTdTdUtzZzQwbTNucUpmVkRSMnd5RzNYeXJNNnMxdC05VUVlMFh1Ykt3Sk1lRjVCWFU?oc=5) · WBAL-TV
- 2021-10-07 [Suspects charged in connection with two bank robberies in Westminster - WMAR 2 News Baltimore](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT2xlNkdCc0R4Wlg0Qi1HZm1BQk51U1RTUGNxRmFsN0h0WnBnZ0U0VXRQalc0TUNhVkFXdDhRT2N0bktieXdlVXFfR2w3cGc3cWVaSzIxN0JxZEZNMl9hUkl4Y2JyQ19qbFJMdi1KRmM1c05TclFpRzl3RDVIR1hlTGZGdHdSSV93M0cyQkIzZHN3T0EzZ1ZUekU3YTJqcjBIVlBPbHF5X2MyU3ZN?oc=5) · WMAR 2 News Baltimore
- 2022-09-11 [Dennis "Denny" L. Ahalt Obituary Sep 11, 2022 - Stauffer Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9pSUY5UnZfR1kza3RKRVNyeF9tYWdwcFdfMkp2QkpRTFFfZlBoU19aXy1JLWZUVmt0ekpJcmxUQW4wVE5fNktNeHRXcWVoTy1XczlNbE1USUJfNEVMVEdQaUVPeTZ0RzNVeWV2V0VqZnlXUUk?oc=5) · Stauffer Funeral Homes
- 2016-06-24 [Two men convicted, sentenced for 2015 armed robbery of Westminster bank - WBFF](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWHgzaFRNeUtCa09FQVFTVjBZN2hmbXhjYXdUVW4wNFhsMGdEWHd6dWxqc1h6VGZxU0tfbUd5WG1sZEJSVmVMZFdQRWFRZ0JVcHE1NEVkOFBiUmI3eGpvRm5nR3hMVEJIbjNsemNZRWRoSlRxS2ZYMHNDSjY4WlBKU0NpdVR1NF9nQ3RlWVF3aGJjMHJ5LTFWYjFINWhLZkprQ2I0RTJhOWNrZw?oc=5) · WBFF
- 2013-12-30 [Grace Elizabeth "Lib" Strine Obituary Dec 30, 2013 - Myers-Durboraw Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE8tZEpScThuWFRtYVE3ZnpqUDNtY0Q0SFNNZkw0T1YyVEsxaTN6aTd6X1RUd0l2X3JSLWo0UmQ0dEJDZEg1dlQtUW9xdENUekdUTGNwR1VxYVQxTUpWUUVtYUMydW9vZw?oc=5) · Myers-Durboraw Funeral Home
- 2026-06-03 [June Schabdach Obituary (1936 - 2026) - New Windsor, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQTlJ1dzNuRkxhbTJ6LTNhUnY1WkV0M3lOQjdCVlY0dEpiakpSbFpjT3lZNmxHSjd5VzZGU05JUklFUEc0Z2E3T3dNRUN3eEJoMEM1LXF6WWQxWjQ3bmNFeEFtTnk4cFd3bEpUVTczQ09DNk5zc3RES3dxT3hGTHBlYnRaRU1KNnRXSF9zV2ZDRC1PemhiX3c0QWYtdw?oc=5) · legacy.com
- 2018-08-02 [Second suspect captured in Westminster bank robbery - WBAL-TV](https://news.google.com/rss/articles/CBMilAFBVV95cUxNWGpqT0pqMzJtREpaRThaT2JmSmpBNFR0VHlaMUdJMXMwTElPbC1rZmJ6U1JZekJqem1LVW85aFNBUU5tNDYya05GcFlFaDl5bmNnQkJwSnZPNGlUMnB3aFE3aFFnU1o3d0NicEVTNUxZY290VEpLRnc0ZGVCT281d0xwV3NyeXBCczdEZ0JrVTJmdG9w?oc=5) · WBAL-TV
- 2012-08-23 [Carroll Child Care Center Elects New Officers - Patch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQTG1ua09xWElUbnBCU25kSS1XQlhmckl0Mi1feTU3ZFE2MzUwalFSVzltck5MUEZaTGFNNFFaaXRwSlZhOGNIQ3NydUM1MVdaS3NBd09oOGJFc3FrTUZ2eVhWTWx2a21Uc3h4N2lUbTNQQlZ1SmhqcVhwQ1JGYW4yUDItQU1CeVlGM1hJ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5866 (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/42.json (key "5866", 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