# NEW HAVEN BANK
NEW HAVEN, CT · FDIC certificate 58952 · asset band <$300M · latest filing 2026-06 · live

**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 | $200.0M | |
| Deposits | $155.1M | |
| Loans and leases | $168.8M | |
| Total equity | $16.0M | |
| Loans / deposits | 107.61% (p95 of band) | 73.59% |
| Liquid assets / assets | 12.44% (p7 of band) | |
| Uninsured deposits / deposits | 30.01% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.25% (p88 of band) | |
| FHLB advances / assets | 12.25% | |
| Tier 1 leverage | 8.23% (p4 of band) | 11.76% |
| Unrealized securities loss / equity | -4.40% (p59 of band) | -6.57% |
| AOCI / equity | -0.54% (p43 of band) | |
| ROA (annualized) | 0.18% (p9 of band) | 1.17% |
| Net interest margin | 3.25% (p20 of band) | 3.93% |
| Efficiency ratio | 94.36% (p92 of band) | |
| Noncurrent loans | 0.27% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 418.98% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $15.8M (9.35% of loans; DQ 1.46%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 2 |  | NIM <2.5% |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 3 | loans exceed deposits |  |
| 2014-12 | 4 | wholesale funding >15% |  |
| 2015-03 | 5 | charge-offs p90 |  |
| 2015-06 | 4 |  | wholesale funding >15% |
| 2015-09 | 4 | wholesale funding >15% | charge-offs p90 |
| 2015-12 | 5 | capital falling |  |
| 2016-03 | 4 |  | losing money |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | expense ratio p90 |
| 2016-12 | 3 | liquid assets <10% | capital falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | capital falling | liquid assets <10% |
| 2017-09 | 3 | liquid assets <10% | capital falling |
| 2017-12 | 2 |  | liquid assets <10% |
| 2018-03 | 4 | liquid assets <10%, capital falling |  |
| 2018-06 | 3 |  | liquid assets <10% |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | uninsured deposits leaving |  |
| 2019-06 | 2 |  | uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | liquid assets <10%, capital falling |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 2 |  | liquid assets <10% |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | deposits shrinking | wholesale funding >15% |
| 2022-06 | 1 |  | deposits shrinking |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | wholesale funding >15% |  |
| 2023-03 | 5 | liquid assets <10%, capital falling, expense ratio p90 |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 | losing money | liquid assets <10% |
| 2023-12 | 6 | liquid assets <10% |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | liquid assets <10% |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | wholesale funding >15% |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 4 | wholesale funding >15% |  |
| 2026-03 | 2 |  | losing money, wholesale funding >15% |
| 2026-06 | 2 |  |  |

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

- 2026-07-31 [New Haven woman gets 10 years in prison for robbing 3 Connecticut banks - ctinsider.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNRi1oM1Z3RTVhQWJzZ1dFME8yc3NrVEpYdVFRYmR6d2ZVcURVS3huOW9zMDZtS184ZXFvZTd3SkQzLTZkWVVKR0hPRkF5TkVSNjlvTUpxa3Y1OVhJQ1Zuc1labUJlMHRnU3pGdkNJSmUwanNMdld0Mmk1N0RPV2tzcVo1czhxVEJEdXU4WUY0SWtZaU5IYTlTWHZ2RkFhUQ?oc=5) · ctinsider.com
- 2019-08-27 [A “New Haven” Bank Reappears - New Haven Independent](https://news.google.com/rss/articles/CBMia0FVX3lxTFBTNzZmSlpzNDdrbjQ3dFRTQlhmeGhQVGxQZTFOZE9XTVg1eWJHUDBaQ3RMWDFrcEMxaFNXcWFxNl9TVkZ5YlJ5TU5uZkY0V3Z5NGFLaFBNNFIwNDcyeTJJcHYyRm9ham5zeGcw?oc=5) · New Haven Independent
- 2019-08-26 [Blast from the past: A new New Haven Bank - Hartford Business Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxOc2JRenpNMHpNZ0VBODFieDg0cVVzWmcybmMzX3NtR2ZsVGY5NUhDVy1iaTZ3XzgwcnJxcnN2RzU4VUcyQW50UU1HeEZoeXJwSjB4LWJtQ1diaTJPVjVpSXhlTVc0VUF2M3IwWTdCemlJQmtFaGI5cUZ0TEkyclJSWXJERGQ?oc=5) · Hartford Business Journal
- 2024-06-03 [Plans to turn historic downtown New Haven bank building into nightclub fall through - New Haven Register](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVHlUMFlCR195cE05VVNVWUxjVWZ1WHVHSEJfaWp3Zl9qRlQ0M1RjcXlfWERhM3hWVkk2aFR0TDhzbUdXRnp4Tk84S2FreGhzSXNiOVZfZUdQQXhOZkl0dEFObGJBc0lWYXNoSExaQ1JVR0NFR0s5V3lMZ3NPdzF2LTAxaDZxd0RIbVc1VEJoMWxCaXRWWjZScEw4NA?oc=5) · New Haven Register
- 2025-11-19 [Recent Death Notices From Guilford: Nov. 4 To Nov. 14, 2025 - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxNXzBoUzlpbTJsb3FhbjlkcHpEQXg1cUpSTVFSRnVqOTJxQVVXd25oLWJKVmViVWkycGVjS2hyanlQNXNwcDhuRkVQTk5zbVVGU2NDdVBOaTVmVzFYUkMzTzJncVJfUG1YWDJtQ3ZReXJGWWkwSmo4UlJ0VXhZRl9lMVJ5R21ENk9DY0hCN0wwOA?oc=5) · Patch
- 2019-08-18 [New Haven’s Start Community Bank is getting a new name - New Haven Register](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbUlHbWk2VHVwZ3pTLTdEdzl2S2NhdjUxVnUwSXFCWmk5U2lZYmlrYmhrUEFTUjItc2dVaG9QTmtMVzg0bTNLaHVJUVlLSW1pT0RrczJiWm4yb2FnVjlheWREMHZjdUZDRHVwU0p6M0VyQWFCOUowMWtfVjVkVGZBTHlxYUFmMDR1SzZpNFI1UnJVLS1nNF9WT0FTTmV5dDQ?oc=5) · New Haven Register
- 2024-06-07 [New Haven Bank CEO to retire; new leader announced - Hartford Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxPRFNteTZjRlAwNVNfYnpxeC05eWtqN1ZRYldwaDlEcnNGM3NaMWppTXVkUXFRTi1MdnUtWGJJb3MxZWhnRVB1V2ZGQUdTMzRMQlFLZlBZUFdoZkFOUl9mdkktYlhJNWtXbzRlZmNjalRiTGxfdlpUa2RlZEdzdlBzVEdOeHppUkx1ZlVLdng5dVY?oc=5) · Hartford Business Journal
- 2013-02-06 [Nine Year Sentence for New Haven Bank Robbery - nbcconnecticut.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNkJFZDBfcUJpcUI1S2RqUE9SUFBsN0ZNWnRHemhkX2g0ajdLV210bVM5Y0IxX1ZxZXhYZ3BSb2JyT200S3A3YTBiX1F1b0RyX2dneXVqOWs2UmlnTFh0TVppb0M3TW9VMUFvNi0zT0dGZDdYT2hZRS02Q25xUkp6NEk0S240WV9qTlRqZVZaTU53RVB6LS1GYjVBNTjSAaQBQVVfeXFMUEZSS2REQy1DRzFjWk1obEpHNEs3NlNHLXZMbVJDRjlfQVhSTmVLVXpaTV9IaVNQdC1CX0Fud3hmWFJ2SE12aE92Tm5PWG9pX3o3aEdMMWtGRkxmTEJkT0tFNnJWbjk0RjRlaEE0Z09BcFp1WVFWcEIyQnZ2UWZ3TW9Wa1ZCdDMyd0FUYWF0NGZJQm5mNUtPYkJHMWw0OWttRXpYSTA?oc=5) · nbcconnecticut.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58952 (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/8.json (key "58952", 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