# NATIONAL BANK OF COXSACKIE
COXSACKIE, NY · FDIC certificate 7018 · asset band $300M-1B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $517.1M | |
| Deposits | $457.7M | |
| Loans and leases | $360.1M | |
| Total equity | $44.0M | |
| Loans / deposits | 77.90% (p44 of band) | 80.78% |
| Liquid assets / assets | 28.95% (p59 of band) | |
| Uninsured deposits / deposits | 24.37% (p44 of band) | 25.87% |
| Brokered deposits | 4.81% | |
| Wholesale funding | 7.20% (p68 of band) | |
| FHLB advances / assets | 2.40% | |
| Tier 1 leverage | 9.26% (p18 of band) | 10.64% |
| Unrealized securities loss / equity | -9.91% (p45 of band) | -8.46% |
| AOCI / equity | -0.04% (p78 of band) | |
| ROA (annualized) | -0.33% (p2 of band) | 1.22% |
| Net interest margin | 2.69% (p6 of band) | 3.83% |
| Efficiency ratio | 117.02% (p99 of band) | |
| Noncurrent loans | 0.49% (p55 of band) | 0.42% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 200.51% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 11.19% (p15 of band) | |
| Auto loans | $2.8M (0.77% of loans; DQ 2.39%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 1 | expense ratio p90 | reserve under noncurrent, noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 2 | deposits shrinking |  |
| 2019-03 | 1 | expense ratio p90 | uninsured deposits leaving, deposits shrinking |
| 2019-06 | 0 |  | expense ratio p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling, expense ratio p90 | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 4 | wholesale funding >15% |  |
| 2023-09 | 2 |  | capital falling, wholesale funding >15% |
| 2023-12 | 1 | wholesale funding >15% | securities losses >30% of equity, expense ratio p90 |
| 2024-03 | 0 |  | wholesale funding >15% |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | NIM <2.5% |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | expense ratio p90 |  |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | losing money |  |

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

- 2026-04-01 [Ballston Spa Bancorp, Inc. and NBC Bancorp, Inc. Complete Strategic Merger - Business Wire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQd0pIb2tYU3hqNDFJR28wbW4ydXZvbGVpNG51QVdoWFJBa2hrX01vLWM4Q3BoWTk3LWM1azBJVTRLajZTT1JmNEttaEdJaFJRRmFSUFc4bkFKVUtIWnhaMHkwT2QyenF2ZGVDS0t5QVk1RzdRdGJ1T1M2d01GaERjVEFaM0JvWFZTb2FyWnQzUlRrWGZqb25faXV0NlBlUkRYZ3ROMlU4UHcyNWJJb2JkYTVFVXZFRmRxZEQ3ZzgwUnk3aFRpRHFhag?oc=5) · Business Wire
- 2026-04-06 [National Bank of Coxsackie officially merges with BSNB - The Daily Gazette](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOSUNTV00zanhMQ2ZKdGlnLS1jbXFadjE0SFpneTZ0STdjWm9EM21pNEowaGFjMEN1UTQzbEItd1JsSldvR3QtZjF3VlJzR3M0YWtDZXlGU3hHVGdXRkJTQlJlSkg0Vmh5R0ZrbmFSSURhTnBpNkZ0Y3JWcjR4M3BqNDJjZ0hxN0ZHX081NzFBSDI3LXZFUzlQam5VcnRyaDRTb3RhU0xyclEzbEk5VkFRNUJuOUtma3FFNzdyY2JuOFhvR3c?oc=5) · The Daily Gazette
- 2025-12-17 [National Bank of Coxsackie donates $2,500 to Hope Full Life Center, Inc. - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNTHdvak90Y2tjVHBoc0p5Q3U4MWY5REJCQVdka0tBbXB6X18yZ3BTbnR3SzVZU09NaWJXWmFRb244OHdDWWwzV1UtWUtEVlNKemR1amtGYUNDVm9NckVTdjZ5aHhNRjlUellmM1NvODRxZjhPVWJadHUwaUgwaXprbThCN0ljNW9CU0Y1SUhBc1dnTmJhWmJid21mQ2RCQndsUkh6b09Wd09PRzA?oc=5) · Capital Region Chamber of Commerce
- 2026-02-03 [Hedge fund sells stake in National Bank of Coxsackie, clearing path for $26M merger - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVTdOYWI1N1RIa3BCX2xKT1ZRaUxDb01BOWR1czlZRE96cy14MzhjYWRZdExobDhNNEx0cVFfM0RvVnN5cDhNTElLY240YXBVaE1VOXBaakd0NElwa1o4cU5acUpUcUFhdTJKRm03dVpJVFZSSTRiMVZycFVHNklsd2plbFE?oc=5) · The Business Journals
- 2025-09-25 [Ballston Spa National Bank acquiring National Bank of Coxsackie - Times Union](https://news.google.com/rss/articles/CBMipAFBVV95cUxPeDRnbEFDNUhJaHlTUFlzejNhOEQ0X3BDR0tvWWJSWlNONjM0a3l5ZW5MYmFNRGtRcjd1WW5IQzBUaFY3TW5naXBwd3UtZVgtT2hJUjJmUGJxSE1Rd3RUd0RaZUFfLS1vUFhURExQSF8yblplVWhXQzdieXhGamIxb1M5cW4yVk5BOGtHMDNWZG1CWFhRQmNUMndrT1VuYV9CNmh3YQ?oc=5) · Times Union
- 2025-09-24 [Ballston Spa National Bank And The National Bank Of Coxsackie Announce Strategic Combination - citybiz](https://news.google.com/rss/articles/CBMiywFBVV95cUxPYnNQMVMzZkozdGpxdjY2enI0ZlhwM2Vtbm96RERkS1puZnZWX3VaS0NITEJXejg0YmZaTXpNcGFadFVBLXZKdkZiTG9EcUZPY0ZSVl9CWXlXXy1NSlBwMWFIMUNfeENTNmJzaHNmM3pIT3F3ZmJUc0dpNm01bGlTcFd6VnI2LXIyVjRKdjFiQTVUeTVKZVJGTEF6Ty1GWHhsMHdSTWxxOF8zNERtazBtY1BqLUpBSlBZbnlSTUkyMFBkckFETWE4b21kSQ?oc=5) · citybiz
- 2026-03-23 [Ballston Spa Bancorp, Inc. and NBC Bancorp, Inc. Receive Shareholder Approvals to Complete Pending Merger; Announce Anticipated Closing Date - Business Wire](https://news.google.com/rss/articles/CBMinwJBVV95cUxQTm4wcXFVb0ttREk2ZFpONkViUDloQkZQZmN5MDBNdWxjb3p3ckFlcXNOSFdHLUxHaVhZTzJLLWNCS29fY1p0aWhtaXFGLUR2YzR5UjFWeEdfMHBZR0pNQTRLV2VQbnJib3lWby1WdkJHNmctaVY3SnhtVXcycWcyYjFBOHFldkFnNUtfMGMzNXFndjQ3bkVkdldqbEtQSVFQeWRVWWxfSm5vLTBNWnJfQk9DVVdlYVdnLXN3cVZzc0FMUjZsd1ZIc3A4Z01VR2RPel9Cd1FtMmREUUFWTG9yOUY3REtjYVlTRVpSMlJWaHRwbE52M2FFUzNSSDI5UzFtS25VQ01DOUZzSV9OckZ6QlpmWjdpNE5tYWVHTXM3Zw?oc=5) · Business Wire
- 2026-04-02 [Beacon Bank names business banking leader in Albany - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxNV2hmck1UMnNGY0FlcjVWNklZWDV6Z0dIeW9ES3JadVFzVklZMHFVWkpLVWd4bXhTOTBNRjZpN0FTbHdDVERNQ0JmNGlHV3ZqLTBSY1lOY2pYVjNsbXZDd0ptb1lWZmlhX090QnRZWUxMaTlJMWxHNEJyZXFjalQtTm5GZ0o2UVE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7018 (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/42.json (key "7018", 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