# ROMASIA BANK
MONMOUTH JUNCTIO, NJ · FDIC certificate 58702 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $133.4M | |
| Deposits | $103.2M | |
| Loans and leases | $68.3M | |
| Total equity | $16.1M | |
| Loans / deposits | 65.40% (p43 of band) | 69.26% |
| Liquid assets / assets | 45.25% (p70 of band) | |
| Uninsured deposits / deposits | 8.41% (p32 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.81% (p83 of band) | |
| FHLB advances / assets | 9.81% | |
| Tier 1 leverage | 11.52% (p67 of band) | 10.33% |
| Unrealized securities loss / equity | 3.38% (p93 of band) | -0.53% |
| AOCI / equity | -2.33% (p56 of band) | |
| ROA (annualized) | 0.08% (p12 of band) | 0.77% |
| Net interest margin | 2.87% (p16 of band) | 3.62% |
| Efficiency ratio | 88.64% (p81 of band) | |
| Noncurrent loans | 1.56% (p60 of band) | 1.08% |
| Net charge-offs (annualized) | 0.14% (p69 of band) | |
| Reserve coverage of noncurrent | 75.16% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 3.48% (p24 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.7% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | securities losses >30% of equity |
| 2012-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |

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

- 2016-05-04 [Investors Bank to Buy Bank of Princeton ⋆ Princeton, NJ local news % - Planet Princeton](https://news.google.com/rss/articles/CBMigwFBVV95cUxNV01CQjItU2czNUFpWjJHZllORjZZOWp3cF9GODFES3BPUTNIaFp5dVl0VFJQRGozdDZHdW5ka3pWRldueTJ3dGIwRnJGR1V4Vmh5cVNjcFlRMzMxTG9xQU90U09kUDJQSEVNcFl4cXh2cEozYjkxTlM5RGZpcHJ4VGdmQQ?oc=5) · Planet Princeton
- 2021-02-23 [Rutgers–Camden Business Graduate Named to Global List of Leaders - Rutgers University](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdmYxZkVaVkxmSGlpMWhVRFA5RDV4RWNWTmlINEMzcHAtR1NQY2hhVjFJZkVyN1JjMnQ5T1dnYnNaQ3BOSjRKQmVQUEc1MkZBb1NVay1tc2R2UVJWUlZlR2R5N3dtSE5wVUV5VUltWTlpMENHRlVtTG5VWF9xSk14QndxdExnRlRlRWJPNjZfaEROZ19B?oc=5) · Rutgers University
- 2016-02-11 [sandy-mallon-appointed-to-senior-vp-position-at-atlantic-stewardship - Bergen Record](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPeUNOTmRGMEh0RTQ2QzlEdm9ISERrVjB6cFcyTDVLRGNJMEZyZHgyWm1LbFAwVXlHU1Y3bDZKR0J2cU9taHhLSnhBYXppSjM2eEpVN25HMTNtQXUzYnJuT1RkQjJMdUVaMGRPRFg5UXJCN1lsUHVlcVAwNlpOS3Y2cWd0ZGN6bktCaE5TNDF6VHpFeEFKSl9aTklsYXoteWNpc3k0VE1XZnAtcUNlUTROUnB1RXZQTzBqZjNxeXlOMEZCWGRacU80LS1HbFZiV2tTanhodzJtQkZNc3FrWWtza3lB?oc=5) · Bergen Record
- 2011-10-13 [Elizabeth Mazzagetti, Keith Waggoner (Published 2011) - The New York Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxQRXFlbmt5SVNqYmRmRWhmWVNrNDBJNE1JTzZXaTRxUjRCVVIxbFZuRGNuVHBXZWV1TWlSaldJWmcyUUt3Y3plLWplaU9nZTlxRVNxdWs3Vm9nX1RtUkhiU0ppdlJYUnpiSmlpNnJmdW01cUdyajVZcVphUUVYYkNvcG02UXM5M2pfSjRlR3FxNVRKTUNPekVkbEdhdnIzbFdIclRJ?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58702 (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/14.json (key "58702", 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