# AMALGAMATED BANK
NEW YORK, NY · FDIC certificate 622 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $9.41B | |
| Deposits | $8.49B | |
| Loans and leases | $5.15B | |
| Total equity | $869.6M | |
| Loans / deposits | 59.88% (p8 of band) | 87.10% |
| Liquid assets / assets | 42.90% (p92 of band) | |
| Uninsured deposits / deposits | 57.05% (p95 of band) | 30.76% |
| Brokered deposits | 3.35% | |
| Wholesale funding | 3.41% (p38 of band) | |
| FHLB advances / assets | 0.06% | |
| Tier 1 leverage | 9.60% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -20.41% (p19 of band) | -7.75% |
| AOCI / equity | -1.00% (p18 of band) | |
| ROA (annualized) | 1.34% (p58 of band) | 1.26% |
| Net interest margin | 3.78% (p54 of band) | 3.70% |
| Efficiency ratio | 47.54% (p18 of band) | |
| Noncurrent loans | 1.99% (p91 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 67.13% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 1.91% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $137,000 (0% of equity) (p71 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 463 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | uninsured deposits >50%, wholesale funding >15%, leverage <7%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 6 |  | losing money |
| 2011-12 | 7 | losing money |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 6 |  | leverage <7%, NIM <2.5% |
| 2012-09 | 7 | noncurrent p90 |  |
| 2012-12 | 8 | uninsured deposits leaving |  |
| 2013-03 | 11 | capital falling, losing money, NIM <2.5%, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 8 |  | deposits shrinking, capital falling, NIM <2.5% |
| 2013-09 | 6 |  | assets shrinking, losing money |
| 2013-12 | 8 | capital falling, losing money |  |
| 2014-03 | 7 | NIM <2.5% | charge-offs p90, losing money |
| 2014-06 | 7 | losing money | NIM <2.5% |
| 2014-09 | 7 | NIM <2.5% | capital falling |
| 2014-12 | 6 |  | NIM <2.5% |
| 2015-03 | 5 |  | losing money |
| 2015-06 | 5 |  |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 | uninsured deposits leaving | uninsured deposits >50%, noncurrent p90 |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 4 | reserve under noncurrent |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | reserve under noncurrent |
| 2018-03 | 2 |  | expense ratio p90 |
| 2018-06 | 1 |  | wholesale funding >15% |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2019-06 | 1 |  | brokered >10%, wholesale funding >15% |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 4 | charge-offs p90 | capital falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | charge-offs p90 |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 1 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | charge-offs p90 |  |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 3 |  | deposits shrinking |
| 2023-12 | 3 | capital falling | uninsured deposits leaving |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 3 |  |  |

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

- 2026-02-05 [Embrace Home Loans to originate mortgages for Amalgamated Bank - HousingWire](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdWRvOF93aTVwd1BVVld3di1lZ01uMkJLRnVyQ3J2RHVKN0FuM0JibzJhWE9FY08ycldYMHM4LV9QR2NXNzNsRGR0VWd5cEFiLWttNTQ1YW5XWUMyMjFuWlRKSGhXcmR4a3pMZy15VmNOSlFqaEFnTlkxYm9OaUgteVpYY2E?oc=5) · HousingWire
- 2026-02-20 [Amalgamated Bank of Chicago heads to 101 North Wacker Drive - The Real Deal](https://news.google.com/rss/articles/CBMioAFBVV95cUxOelRvLVlCRFVyajFDcEt3VFpLSW0zNzZBR2kycTl5WVRfTmdnaVMwUmxGeEduNU5qNVExaTBSMHMtMklXdjMyZHRpZDNXZ3RsS1F5REpYdXFSc1dPTXpmSHhJNnJrcFl5UndCU0RSZWowOGZKSlZyMWIxZ0RybVdMT0JFWjYxNy14UUt1VklpMk03UlliOXkxQ0hvMzBHNXpU?oc=5) · The Real Deal
- 2025-10-21 [Amalgamated Financial Corp. Declares Regular Quarterly Dividend - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxPX3I1aXhNZFVQbHUxWm9iLXpfa1llaDY0aElNVENydzJVMUhnaVVYblV4S09lalhUY0JmY1plMm5fUHlqVEZJN3Q0SVNmSUhmeEdTd0FwWEV1RFZFYlI5R2F0SnlTU2hQdHRXV1lfcktTZy1KSWMxSzZ6T2JWSllfT0ZjdjUzcDF0d2xFcThSRlAzMDc0MnpzTndmQVdCdFdldmlSQmVLdXNYSmI3Q085RDBDcS1SbW9CUktNRw?oc=5) · Business Wire
- 2022-09-12 [Comptroller Lander, Amalgamated Bank, NYC Pension Trustees, and Elected Leaders Urge Full Implementation of Merchant Category Code for Gun and Ammunition Retailers - NYC.gov](https://news.google.com/rss/articles/CBMipAJBVV95cUxPU0hjeWlWZkNRWnVmRzZHUF9xM1B2Yk8yQU9rbktGUmNNSGhDWTBPd29LVzBwV2h6a2hWOVAxTGVkc0dFNVVqX0M3bXN6TWladjFsSk45enFPWFhxeGFtNm12dGFneDFzbnFSdW5LYXBLdmh5UUM0MGJSNG9td29tODFSYzNxcUJGR0VpQlJWTTFKZkpzTjVKQmU0eGVCSWlkczlqTHRrbzZsWVFLaEtKYmJxRjZ0ajk2RkZmalpBaW4wVDdqXy1uMVFSd3p4RFBlTW5lWEF4MS1TU3pSN3ZrOXpZTFlrUDVSSUh0WFE5SUp0MFRHWFQyN1JnWjgwTTdJYkpYbWlwVW9zNG5hcFdIa09KbEtvaDhxQm1rdXRJRmgxaW1J?oc=5) · NYC.gov
- 2023-07-18 [Companies Of A Century: Amalgamated Bank Services Social Purposes - Chief Executive](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWkFaV2o3aWdMcU4zOEtaODFkYU1FanJFMWRoR01VSU41elZIdEpqR0l6YVA3cXotd2J3VEFSSGQxVWE1cHdSUjBhQm9QRE1SX1NRQ3NBeEg2Wk82SHE3Ql94LVVKa2p1SnRZbGZVeEtwN0JNNUduSGljbEhITWszdk1ETFQxWU1XZDZEV3RabW95SmdnUHNj0gGcAUFVX3lxTE1jWjhibk5FVF9lSkhFTGZfdVRNcmhvQTZwcVZXZC1QT05YUUxiRVJMN1U5NFN5cjl0ZVBZcHVtR25XNTYzLXdRWVJZN2NLc1pVXzQ1eXJEb0Jqb01odkdzcU9ub085M1hUVWFGNS0wVVZnbEhEcllqeXVGZE16aUx1Q2xaVjRrMjl4OXQwR2dtV1BneXVrS1IwRXlLOQ?oc=5) · Chief Executive
- 2020-09-05 [Rally to Re-Open Amalgamated Bank on Burnside - Norwood News](https://news.google.com/rss/articles/CBMif0FVX3lxTFBHeTZtZ1M5V19nRUYyZGVtdndObzhiQkpnVXZ5Q3hRdFZUYzJ0VllBaDhINUw4YU5uUm44d09pMnlnX1BoTGktTlFxcGR3SzgtUmgwZ2RCcEtfSUh2ek1tR2xFNHg2RFZ2dVhMVFU3WTJhYndLYk04TXFjdzAtVEk?oc=5) · Norwood News
- 2023-03-07 [A Bank President Who Embraces the Unconventional (Published 2023) - The New York Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNk01WWlIc2M3bUg5ZVp1ZTlyTVUxTFh1eC1lRG9DdFJmZWxwbjJnNTJTOTB3UVhYRjVXXzZRdXdpWm8yaFNDbzlRQlZSbzJ4LURkRjF4dS0wOGZnZkxyUmxqalVObEZYRFdCZWdPaGxBZFVzLVEtMzFqNFk3WEJGZTltSW5TSVk4MmlRSlpmcDV0REdKVFdzMlBXWU0?oc=5) · The New York Times
- 2017-12-15 [Union-owned Amalgamated in N.Y. to buy San Francisco bank - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRnFGWWpRUkE2MzBXTmoyN2lBZV9GcHJ0ZExwUzJ0ZEYtbjQ1bnFXVlJlbV9hN2IyLWVvUXNHNWtfaDl0TnhtcmI2SG5sbkxIN04zRXl1UlRvQXdCUU5LeW53bDUxb2xKbExoVXJhNXVuOUxlRzFla3NnTVkzdUhHNVktNV9URklNR2ozQzV6MmdpWGkxQ0E?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=622 (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/46.json (key "622", 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