# MAHOPAC BANK
MAHOPAC, NY · FDIC certificate 7153 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.55B | |
| Deposits | $1.32B | |
| Loans and leases | $1.10B | |
| Total equity | $146.7M | |
| Loans / deposits | 82.11% (p70 of band) | 73.47% |
| Liquid assets / assets | 25.33% (p31 of band) | |
| Uninsured deposits / deposits | 44.32% (p72 of band) | 33.32% |
| Brokered deposits | 0.11% | |
| Wholesale funding | 4.17% (p62 of band) | |
| FHLB advances / assets | 1.93% | |
| Tier 1 leverage | 8.07% (p13 of band) | 9.53% |
| Unrealized securities loss / equity | -0.72% (p44 of band) | -0.38% |
| AOCI / equity | -3.32% (p23 of band) | |
| ROA (annualized) | 1.12% (p42 of band) | 1.21% |
| Net interest margin | 3.28% (p54 of band) | 3.23% |
| Efficiency ratio | 60.63% (p51 of band) | |
| Noncurrent loans | 0.39% (p55 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 209.93% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 21.20% (p22 of band) | |
| Auto loans | $158,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 113 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 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 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2018-03 | 2 | capital falling | wholesale funding >15% |
| 2018-06 | 1 | wholesale funding >15% | uninsured deposits leaving, capital falling |
| 2018-09 | 0 |  | wholesale funding >15% |
| 2018-12 | 1 | wholesale funding >15% |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | wholesale funding >15% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |

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

- 2021-05-09 [Tompkins Bank of Castile simplifies name to ‘Tompkins’ - Orleans Hub](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSGxwRW5TWGRKbEpUNkV3R0h0bFdKOHgyUTVFTC1vcksyNGNQcnlIUUJiMjJZOG9RV3RlV1pWS2tXX2hYd3ltQXRDSGFORjNraGNwZ3NQaThlbjFpMmpVUVJBekRLbGpQdks2NzV0RElEeWF5MnJMbXRnbHNRb2JybmZn?oc=5) · Orleans Hub
- 2021-02-10 [Gerald Klein to Retire from Tompkins Mahopac Bank - Hudson Valley Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxONG9DRUZSSTZxcXp5TjA3QkJ6c1YwbnBHX1VIQk9yc3loLU91T1JPUTEwZ2phSGU3Ml9tR2oyOGRpd2gyUlhLWVgyeTM2RF9xSi1FOFY1U2hoNWVucDM3UlV4aXVMSHRvTUVTS0QwUmg3eDVISjU0NjVjMjd0YjVVUEQyeWhuc2U2eHp0dU45d2p0YjVvVFE?oc=5) · Hudson Valley Press
- 2018-07-17 [Mamaroneck Student Wins Scholarship From Tompkins Mahopac Bank - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTS16UThvX3ExNFFKbzRFQ2FLSmt5ZTJHVzgzWW1JUHJoTWVkWmtrVFVVa29GcWM2UUdDM0hlcGlsMUNBNHMxUG9melNGSFBrRndLRmdaN01fYzhIRWdMSzhEMnR4QVJuLVFGQ1lNVENRNDY2LWlYWlgzNjFDUGRVdGdNaEFxWWh2VDJNajBSSWhIejQyNExiVF9R?oc=5) · Patch
- 2014-02-03 [Mahopac Bank Promotes William Dunkel to Regional Vice President - River Journal Online](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdThUakV4S1Q1TklURXRpbGtCakwzUVE3SFRMS0piRncwemM5SGZvWjRCdXl4Z2xUaWlqUHI4UDM4OHpySVVXc0NxN2JYbW8xM3RJN25QbktmMHpENmd5eXV5LXliVDNqcTBOVHJ6amhLOXg2enNvMDI2MUE2THdGbU9vT1RWQ1hqblZOU2NBT3hESHh3U19OTXRGTWRGYUV5T05UOEw4SUpVZUFLSFE?oc=5) · River Journal Online
- 2021-08-04 [Jeff Bonville Named Vice President at Tompkins Mahopac Bank - River Journal Online](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOWEkyQnhxUzA2S2pkZnE5ZXFVU3p4RnBJaU04T05OS0ZQNFJKYXpsMkVHcy1OekJ3NWtQTXJOTk9vWmZTMXBYZWxtTWFUOTJOQi1tZVZPRXFoVTNwNm9saklOS243TVA2UnQ0aXgwLVNvVHlFTFBHNEg1RVhNLTEtcldKdjJaT0s2eVJKYzNzQ0xmcTg3UnB5clNPRjFGWGhlUEJ1WTBwMzZ6Zw?oc=5) · River Journal Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7153 (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/49.json (key "7153", 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