# MONUMENT BANK
DOYLESTOWN, PA · FDIC certificate 58757 · asset band $300M-1B · latest filing 2019-03 · 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 | $376.3M | |
| Deposits | $224.9M | |
| Loans and leases | $263.3M | |
| Total equity | $33.0M | |
| Loans / deposits | 115.82% (p98 of band) | 84.98% |
| Liquid assets / assets | 27.35% (p64 of band) | |
| Uninsured deposits / deposits | 15.53% (p25 of band) | 21.58% |
| Brokered deposits | 2.75% | |
| Wholesale funding | 32.43% (p98 of band) | |
| FHLB advances / assets | 29.68% | |
| Tier 1 leverage | 9.11% (p15 of band) | 10.59% |
| Unrealized securities loss / equity | -1.92% (p20 of band) | -0.32% |
| AOCI / equity | 1.18% (p54 of band) | |
| ROA (annualized) | 0.68% (p21 of band) | 1.08% |
| Net interest margin | 2.74% (p6 of band) | 3.73% |
| Efficiency ratio | 67.14% (p51 of band) | |
| Noncurrent loans | 0.18% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 600.21% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 17.22% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | expense ratio p90 |  |
| 2011-12 | 2 |  | expense ratio p90 |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | capital falling, reserve under noncurrent |  |
| 2013-03 | 4 | NIM <2.5% | reserve under noncurrent |
| 2013-06 | 5 | reserve under noncurrent |  |
| 2013-09 | 4 |  | NIM <2.5% |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 4 | assets shrinking | charge-offs p90 |
| 2015-09 | 4 | loans exceed deposits | assets shrinking |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 | capital falling | brokered >10% |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | uninsured deposits leaving | capital falling |
| 2018-06 | 2 |  | uninsured deposits leaving |
| 2018-09 | 2 | capital falling | loans exceed deposits |
| 2018-12 | 3 | loans exceed deposits |  |
| 2019-03 | 2 |  | capital falling |

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

- 2026-06-12 [C&N Bank taps 25-year Univest veteran as chief wealth officer - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQMk0tRlJsUmZlbWhJZ3p2elNsb2tWQ2plMFhxdVZ0SlNYaTk1ek45UkwyaHpNSTcyQjk0dFYxNGhpa2dPbzcyUnAxOXRaQ1FEbzMzMjBNOEZTT3ZaU2tXVThQNXpnVWFOOS03U01IUE1WejJBcnBaY3BtbmZ1WW5kbXNnVVRySmhWX2YtcDJtUktvSVd4TDRtVjZ4UWR4NjFGUFp3NlQ1QzFvQXM?oc=5) · The Business Journals
- 2021-04-05 [C&N Grows Its Presence in Southeastern Pennsylvania as a Community Bank That Offers World-Class Services - VISTA.Today](https://news.google.com/rss/articles/CBMizAFBVV95cUxQNDZNaVJCUkRNX0dLS3JMSDgycE9EcVhoRV9TbWwzVVIwcW9ZQmtvc1diUnNFd2NjcEE0RmUwbWM3ZXZBc2ZxTjRGdTFCaDVwbldJTWtYS0Voamg4eEUyYmtKa3NMWm5yMXdraE1JSmZhbHFMelZzbHpaWi1Gc29pOUhscGNxRmlUSGx1TE83RGJpSWR3dlZpcFpBQjc2Xy1rMU9MRWtoTG9FTVprM2RZSlItN1RsakJHZnhSdVNLZm0wNkpPeWFvMGowSzE?oc=5) · VISTA.Today
- 2024-09-18 [Where have all the new banks gone? - American Banker](https://news.google.com/rss/articles/CBMieEFVX3lxTE1rYVdSbmxMT2dfSlhQd0x6WjBGSG53eEJuYXp4R3ZOWFhoOVcwN3pCSFZzWnZjR1R3b3lzMy1jRG1BbVlQYXFhWkNDQ2d5SEpYVkU2OHpDOFc1VTdyUFJxWFlvVE9VMmVySTJGMGFIdmM1ZnJNUDlzNA?oc=5) · American Banker
- 2014-04-30 [Founding CEO of Doylestown's Monument Bank to retire - PhillyBurbs](https://news.google.com/rss/articles/CBMiswFBVV95cUxNeFBoWEpVbUxEYlVFV0ZsVjFfYXFWVllyVWlMQzRnNGkybjF3YnVPU0w4akFfM0NwOUc1RHJuUmRtLXB0UzA3cGUzX2pYVDUtLUk2LUlJLVNMSW9mMFI5Zmo4QXlyQVY1Zlh3UDVCaDdWWGM5VmJMbEQ3Q21aaFZRbFRnb1JKT0kzQlVnc0VEVDlSdTdTMTdHLWFpQWpqUkRrLUtVRHJ2MVFJbW5tVlNMLUNRMA?oc=5) · PhillyBurbs
- 2019-06-06 [Upstate Pa. bank swoops in to buy DNB of Downingtown for $206 million - Inquirer.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWGo0ZXM4Qk9HQVZYVFVQMnZSV3k0UW9oRDlQaHFEZFVEYTd6UEhVeUdVVlhFdHA0TFJRLTlGRXpoSE0ycHYtY2JkT0Yyc1pTUVZQUXd0Y1dRWERjeTNUT19GV3M4c2VrMjlQRDRnM0tLak1iLU5ib0lxMHBMOGhCdFJVV3ROYXlqMWVNQXZvdw?oc=5) · Inquirer.com
- 2019-12-19 [Central Pa.'s Citizens & Northern agrees to buy another Bucks County bank for $77M - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQUjdsaURjY2hrckRZSzBQWUFZOUFyZ2ZqRXdmaVU2NDhwaXhLdFJIZWRnNU41eWRFd1pTa2k0anF0NnhmaTRoUDM1MENEVVdEZkd6S094VU5YWmtEZEhrYVNOOHF4cFBXamt3TWwzaWxCMW5ZNHJBdk1ydUlEalhwalRXXzM1c0l2MFBYUGtIVnJNXzNxbl9kVWV4ZC02MWEzOW84RENrTG1aQQ?oc=5) · The Business Journals
- 2021-10-27 [Derek Brown Obituary (2012) - Telford, PA - The Reporter - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdjN3VDNIYmx2SDQ0N0Zyb0tJNWFYWUNka0dhUE9TY1lGTUJwRHRZM0plUXFnbGozOGJ2MVNiWnJHT3JjbEd6YXpFZld3V3FyRl9uRDlnbU5hVDlRdmp4ZjNYanNBeHNRRWNMN01Xdnk1WTRleEVibWxNcnp5ajhIZnA3bEZyVzlZeGxGUEViUFZRY3ZtYXk4?oc=5) · legacy.com
- 2018-05-17 [Civil War monument to be rededicated in Doylestown Saturday - PhillyBurbs](https://news.google.com/rss/articles/CBMilgFBVV95cUxQREhEOVhWVnBXUDdOX243QTBjOFVZV1FKbU1wcG1ONDIyc0RJSG1raC1uZk1JX0Q1WFhoUXZKUTlzU0VOXzNHbUFad0ZMSnp4ZjhSU2NHLXVYcm5EamxSc3FLZFlOeVNWdWlDZ0dKbndnYkJ1SnRVMEpCLUozVzBLUlYyNzd2VlNxSlhwWFlHTTI5aGRSZXc?oc=5) · PhillyBurbs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58757 (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/5.json (key "58757", 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