# BANK OF BIRD-IN-HAND
BIRD IN HAND, PA · FDIC certificate 59074 · asset band $1-10B · 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 | $1.91B | |
| Deposits | $1.68B | |
| Loans and leases | $1.74B | |
| Total equity | $183.6M | |
| Loans / deposits | 102.78% (p91 of band) | 87.10% |
| Liquid assets / assets | 6.85% (p2 of band) | |
| Uninsured deposits / deposits | 24.62% (p29 of band) | 30.76% |
| Brokered deposits | 1.13% | |
| Wholesale funding | 2.44% (p32 of band) | |
| FHLB advances / assets | 1.31% | |
| Tier 1 leverage | 9.82% (p32 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.17% (p43 of band) | 1.26% |
| Net interest margin | 3.28% (p25 of band) | 3.70% |
| Efficiency ratio | 52.60% (p30 of band) | |
| Noncurrent loans | 0.19% (p22 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 322.71% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 9.45% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 19.8% | |
| Employees | 203 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2013-12 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | loans exceed deposits |  |
| 2015-03 | 6 | liquid assets <10% |  |
| 2015-06 | 5 |  | expense ratio p90 |
| 2015-09 | 4 |  | liquid assets <10% |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | losing money |
| 2016-06 | 2 |  | loans exceed deposits |
| 2016-09 | 1 |  | NIM <2.5% |
| 2016-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2017-03 | 0 |  | capital falling, loans exceed deposits, liquid assets <10% |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | loans exceed deposits | capital falling |
| 2018-03 | 2 | liquid assets <10% |  |
| 2018-06 | 2 | capital falling | liquid assets <10% |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | capital falling | loans exceed deposits |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2020-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 5 | wholesale funding >15%, capital falling |  |
| 2022-09 | 3 |  | liquid assets <10%, charge-offs p90 |
| 2022-12 | 2 |  | wholesale funding >15% |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | liquid assets <10% | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | liquid assets <10% |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | liquid assets <10% | NIM <2.5%, capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-02-27 [President Paulson Sees Banking Innovation in Action on a “Gelt Bus” - philadelphiafed.org](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYWRIbGVoYWxlb3lqbXlfSW82WDZhVlhydjlGckdFd3VaOXlodUpmZmYyMjRYY3JxenZkeU45OTZvZ3k0RUxaSXZsSWdDRkVONnJHU0hTZXVIci1KV1BsTzBfa3BwTHJpQTJyYVp1Qm8zSDZjZlgwZFp0eDdpeTM3Yk9xM2gwM2hVN1JPWElNb0k2bHlqMDhUTHZEUkkxbTRkMVo1enJMSzYwdw?oc=5) · philadelphiafed.org
- 2026-01-02 [Lancaster County bank opens eighth branch - PennLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNa0RVYkRqZFhEazF5dUFlOEgta0o1dzdCTy1rendMVVhjbHA1bjlMczBacjJweEtYb290bFRmWlhGbGlTUWFESGhvTFZycTFzallHb1hnLVZFSF9PbVRtaXQ0Ym01UU9kT2U0NlFvVUhMVkUwdXRvUUdWYXV6V2dleF95RjU3WlQ4MGdjMUhIVnZxUQ?oc=5) · PennLive.com
- 2025-08-13 [Bank of Bird-in-Hand to open new branch in Quarryville - LancasterOnline](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNc3g0MExYQXkwSFd1Q1BzcGl6djdfc2tIU0tkT1F4WGNJbzNWaDVEcUg0T3RiQ0lSU1Q1QWlOaEpOajhpbjNOQTJtWHFlclNLUjVHOEpRaThFQmdYNjFJZW9xVU9ORHlrQzkzeGp1djR2ZGMxREYyZlVqWEpmV21zVWhPN3hPTTdrZkVmVm5wLTdaX1FkTHV0bDB2WGlfNnBWSHVUNU1zRnBzanNNemc5YlU4ZVpXTnNtQzZYZS1SZnpIUGFWY0RsdlR0cmdwS2lteDE2T3JZRW5CdjhQMW5nQnZBSTZkNkxIbUs3aw?oc=5) · LancasterOnline
- 2024-02-06 [Bank of Bird-in-Hand raises about $19.5 million through sale of new common stock | Southeastern Pennsylvania - WFMZ.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPTXNkdjlGeXR0bmN4M2hlNVJ6YjByMy1zeDI5YVFybEdKZjZyT2xKUHZCaVF2dXBPOEhMR1gzbllYcC1JZW5SSW9EeXFibDNHUzFFN3NVOGtzcWdBQkNFNVBWNWp0d0hCUEUxNUhiX3RLaF9pZklIdjgxMDVQWGcwbFQ1ZThWdFR2VUR3RjdhWjk4RGNVbkN6Q3ZISGduLWxsZ0NreDMwTk45dW5SYjltcFExZVd5WjI0aFVzRlAtdUFqZHd4ZW9ncFFxSHMtakVTcElScjcyd3VjS3R6RjVRZUZvbk5uS004cnBqU3hObmhLaG9FdDczWEhfZTFSRlE?oc=5) · WFMZ.com
- 2022-03-25 [Bank of Bird-in-Hand thrives in Amish Country with novel outreach efforts - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxPRHZ2bUNTaFB2aG52MVA1cjBZS1dFSndVRHVJdjlQaWc2ajQtT0FWSlBxNzEwdjFzbTZQeW1qMlA2Z0lFYXphMzhuYzZFWEhfY3ZIWEdlVndYQWkwaDZuOXJzNndHSDhKSkZPX2tJWG9kT2hIb2NrTzZiZnJobTVqdjRXcjFTUEVIRmp5RnU0c3hlZ1BuaXF4bFhTbDBBd1Fqa2ttSkNiN3ZLX1NWb0E?oc=5) · American Banker
- 2025-07-09 [Bank of Bird-in-Hand expands mobile Gelt Bus service - Lehigh Valley Business](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1UYVVWakJsbm1rd1JxRlZpOFoxekN6TDNsMnl2dGJHWUVCbEt5VmdYaTZOSFZSVzBsRzNkemx2bTd1SDltaXIweDFnZ2xjSlctU3Zfd085WklldkJEUEhWM2QtR09ZUQ?oc=5) · Lehigh Valley Business
- 2025-03-25 [Bank of Bird-In-Hand remains focused on customer needs - citizenstandard.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQdDBBSzVETlE2enZ2YS1TYXdiY2hxMlM0ZnlOZmlPYy1uVFRqYjBpblhmOE91ZnEwbml5S1BOWjBBTU5LWEdhTUZ4STBpQ3VwUGpaQ01nSVA2eTdVVGRPQmcyWDJHZzNFcnVpWlVocGw2X0RZbkYxMThvbnhfTWFOaFAtRHh3Nlktc1QwOVV1alZjTm1WVm80NGdFQzdNUFBGR1FmOWlPbWRla3QwYjBwTjV6YndSWFlLWkx3b1lMUEZ3YTBCbDZTbGVUc0hLeVZKalhLakpjSjY1b1hBV2g1OA?oc=5) · citizenstandard.com
- 2023-07-27 [Bank of Bird-in-Hand: ‘Where they know your name’ - Central Penn Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE1iY042U2FKV0JiZzVHUUU3YXhRblJmZFZldEU1RUNiRGUzSm5SZ1hocWZtWTMyVkhVXzdfcTJrRmlyTlJiY0pxNkJ1YU1SZi1odjNjTWxrYUJUVDdDVElPbHpLdDZYa3JwZm5CTnVDcjAtcTRJeE9F?oc=5) · Central Penn Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59074 (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/2.json (key "59074", 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