# WILBER NATIONAL BANK
ONEONTA, NY · FDIC certificate 7239 · asset band $300M-1B · latest filing 2011-03 · 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 | $895.0M | |
| Deposits | $742.5M | |
| Loans and leases | $493.5M | |
| Total equity | $73.3M | |
| Loans / deposits | 65.17% (p22 of band) | 78.23% |
| Liquid assets / assets | 40.18% (p80 of band) | |
| Uninsured deposits / deposits | 18.81% (p78 of band) | 11.67% |
| Brokered deposits | 0.91% | |
| Wholesale funding | 9.16% (p56 of band) | |
| FHLB advances / assets | 6.08% | |
| Tier 1 leverage | 8.50% (p32 of band) | 9.23% |
| Unrealized securities loss / equity | -1.54% (p17 of band) | 0.92% |
| AOCI / equity | -0.03% (p30 of band) | |
| ROA (annualized) | 0.37% (p32 of band) | 0.63% |
| Net interest margin | 3.35% (p30 of band) | 3.68% |
| Efficiency ratio | 79.45% (p72 of band) | |
| Noncurrent loans | 4.63% (p75 of band) | 2.23% |
| Net charge-offs (annualized) | 0.30% (p60 of band) | |
| Reserve coverage of noncurrent | 42.36% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 15.54% (p21 of band) | |
| Auto loans | $40.5M (8.21% of loans; DQ 1.29%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 258 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |

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

- 2008-09-17 [Wilber National Bank buys Albany-area mortgage lender - Times Herald-Record](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZTEwWnpGdGR0ZGtueE1WWTc1cXdVRnZyOTFmUW5MZHdDOS1OX1IyLTBoUTZpRnU3QmNwcDJUY2M1RjZES2k0cnliTHMyTHdTcUltY2xEbXV6SEVqVkFoN1BFRkJNR0pHWVJkeVZTTmt3X0NVY2dMeko5ZmhzRGJmLS1FUjgxeXMyT25yc0RmVVFtR2JtZW1yYnlIbHZwWmpUT0FjS0JWbi16T2hC?oc=5) · Times Herald-Record
- 2025-05-10 [Marie A (Aldrich) Patten Obituary Jan 18, 2016 - DeMarco-Stone Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE01dHJWVzVOYkg2NkF6YWY4VkZLZXFBMkVtRUpVOEVIbFJDMFoybXBlRlp6dk4zMTRaRFlOY2RILXEtVzhQVm5QZlduQUIyRjg3NXVYZ1ZhX0szNVhPSnNDb1pFMHVKRVIyS0FYS1VxdjY?oc=5) · DeMarco-Stone Funeral Home
- 2010-10-26 [Wilber Bank to be acquired for $101.8M - thedailystar.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOTFNibFFEWS1IYU1WQVZFT1JSN2RhckNsSDVpOFF4V1daS2txVFVxVE5hUFU3Y3BtX3VyOE11c3FHZVUteU9Yai1fTGpGOGNkUTJmNUFLZl8xMXhtYzdaeG9OY0l5Tm9xdFIwY1NRb3p2QWRtWGw5amNzajc2VVdTc0JkZ0hBcWF0TWZaQmQ4YXVMODVwWjVidGRHaS1KZTBtRjdnSFZkV01qZTJEVFd3cnNQY2ZjSl8weUVodFBSUDRUaGpfZHU5U0lONU0?oc=5) · thedailystar.com
- 2021-11-04 [Other voices, other views by Wayne Mellor: Public banks and our local economy - All Otsego](https://news.google.com/rss/articles/CBMipAFBVV95cUxQeFJ5UEdodDB3RnpNU2J1OHllN0I1RnUwNUlWWXdkbF8ybm0xUmhjWGRORW14V1NkS2lxZk5hVVIwM0ZHNV9ELVBHaHU2c2pWMGdaZUxMMXYweUVoRUhsVlBuaTVDQTZ4SFlGcm1JTk05NVl0YjdRSFZiM3hlUGstSlFmMlFWOTR3Unc5d3ZDREJCUzJIUkF4U1F6c3g5V0NCWlJTMQ?oc=5) · All Otsego
- 2025-04-19 [Theresa Farro Obituary - Oneonta, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOGNPVG85OWRCNThhWGFuMnl0UkVZT2NyYWVPYTc3eU1pUlczbGhYWXZFVmJuM1NSQlpSeTN4b1Jha1NGaTZydzhIQ3lKRTVnS3hVb1VrYW9NdnRvZ2hTUGxTOEVFMVpnUVJyYUd1dGlzT0tTU2xSdGRMUTVETm80YmJR?oc=5) · Dignity Memorial
- 2025-11-10 [Nancy Rasmussen Obituary - Oneonta, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQjFTNlR0RGpPSnYxSS1mTVVSMllJdHBjNDRkU3Nlcm1JVFFlNXBfOHM2VS16enpLclhHdnQ0OFB3SzlYUkFlLUpUUnBKenpJeUFyM3gyUUdKSWFXTG1JZjB4bE9BUl9RSG5Td21pd2JQTUZOaU9MWVg5WHo5Qm5oa241dXc?oc=5) · Dignity Memorial
- 2023-04-17 [Edith Jester Obituary - Oneonta, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPbFV2am1ZWEhtZDRaQXc4WHNUYS1HYWJYbVIwd0doMExPT0JMdlBXXzRIWE80UXBzd0ZDenlSS21HMzJqc3IxZS1Qak1iZXRJUWNnOHJYYzZkTlhwYTVYckhRTzd6a0o3Skk5YTNobVRmUXpydUZJcnd4QnA0OEc5bA?oc=5) · Dignity Memorial
- 2022-04-08 [Geoffrey Smith Obituary - Oneonta, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQbDlONFRNSGRUSnUwTFJqQnV3VlZXUzNGSkRMNWprTkJnWXY4NWRBYW4takNKeWtXQkVfcFFLcUppdUF1aEFfeWcyd0o0M0RXazBPTmswTV9PWVNJMHZsQjFoaUF6Q3kwR0lQQlc4RkEwMEdsT091Z1Y3aDZFTFUxTXBSbw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7239 (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/7.json (key "7239", 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