# SUSQUEHANNA BANK
LITITZ, PA · FDIC certificate 7579 · asset band $10-100B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $18.52B | |
| Deposits | $14.45B | |
| Loans and leases | $13.48B | |
| Total equity | $2.75B | |
| Loans / deposits | 92.41% (p64 of band) | 89.18% |
| Liquid assets / assets | 16.39% (p21 of band) | |
| Uninsured deposits / deposits | 29.31% (p40 of band) | 35.21% |
| Brokered deposits | 1.76% | |
| Wholesale funding | 7.95% (p30 of band) | |
| FHLB advances / assets | 4.05% | |
| Tier 1 leverage | 9.09% (p40 of band) | 9.86% |
| Unrealized securities loss / equity | 0.18% (p41 of band) | 0.41% |
| AOCI / equity | -0.22% (p18 of band) | |
| ROA (annualized) | 0.74% (p34 of band) | 0.93% |
| Net interest margin | 3.32% (p60 of band) | 3.18% |
| Efficiency ratio | 65.42% (p62 of band) | |
| Noncurrent loans | 0.68% (p34 of band) | 0.83% |
| Net charge-offs (annualized) | 0.14% (p73 of band) | |
| Reserve coverage of noncurrent | 146.29% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 25.88% (p70 of band) | |
| Auto loans | $687.9M (5.10% of loans; DQ 0.08%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p19 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 2222 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 | loans exceed deposits | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 1 |  | wholesale funding >15% |
| 2014-09 | 0 |  | loans exceed deposits |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |

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

- 2021-11-21 [Long-time banker brings passion to new role with Susquehanna Community Bank team - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOV0h3S0RpZ1lBTTNDaWtDdmttNm11REFDdjJkUlNXN0E4bWtVZjRhUGtrWmgzUEszN1V5bm1nZS14TlZWanVVQ3gwcG1mb2dobTlIbnozUkQ4VlBoa0Jmc2Y0am9HbkkzZUJpRGhub2NiWE11ek1JWnZfX1ZCQkJFRU5tcHFGbHRTbDhNNzNVNmRhR2J1Ml8tYU9HZS1ib05rU0xVN2h0RkhYbDB2eXZvMlY1QTBkbjAwVUVxa080SjdORE5Ec09jSWdCUW04ZUc2WVNlV0piMF8tVS1rR0Q4NW1CbWcxYlQtdGlncUZzVk9ENE5SdExJX3VmdXNUdlk?oc=5) · NorthcentralPA.com
- 2014-11-12 [BB&T buys Susquehanna bank in $2.5B deal - The Herald-Mail](https://news.google.com/rss/articles/CBMirAFBVV95cUxQX0tTU2xYSEZ4SkdaNXBlT3I0U190V29VczRrTVU5M1JiYkhCN3VZNFNxeG5pTzNiTTJiNkYweV9oRG1XclFiVFJOU2lJSGIxYmxLdzJSbnRnRHZiZjlnVy1JdE5oWEJMNDlUUktIUXBiS2FhWEM4UEI3eFZ2NVRqcEtYWmtjM3hFN2k2MFJHaWxsZmZPUVJQaTJSek5TLVhlZjBZODZtOS1QT3Bu?oc=5) · The Herald-Mail
- 2015-07-23 [What to know about the Susquehanna, BBT bank merger - readingeagle.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQWN2elZOdGZtc3owaklvVmh2bjd4SElScjZwZWhZaWd5ZWRnZnNJYWM5SXRkckZyR3g4WThaWEM0SHR1Mll1XzhtTUJsb2ptNk16akJaWXkzWkN1eEVGdVYtNW1YQVhrNEtSN3d3RWZXMjdyYy1SdkNfYVhxYTdZclBEYzhvZi1RVFdpcExXX09SZUNsenc?oc=5) · readingeagle.com
- 2014-11-12 [NC's BB&T To Acquire Susquehanna Bank - WUNC News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQa0lXUkJvdXEzMkI4eGQ3WjhyT0NLMUpiV0FVSHl1bk4xWmF2Q3FkR0tQa0ExNXlLV1M2Tk52MU5FUlZESlppTVNRNjZPcmV3Q1VEZldQRWZvT3pMMlh5QWFhOVBObWJPaloxaTBrRzlBQVZLb29GZ2dPaWVTMURXc2t3Vzc0RDNFcG9VUEd3?oc=5) · WUNC News
- 2014-11-21 [BB&T names execs for new regions in Susquehanna Bancshares' market - LancasterOnline](https://news.google.com/rss/articles/CBMi-wFBVV95cUxNMl9HOTI0ZGZFOFFUY0NmWDZSclhXSGk2RXBLSE13SDFVd210d2wwUVNMeENvSWgwLThuQmRzT3M5NFBNMGhaZ3RkWnNrUUY3R0pGeGpNSmlBZVB4VWUweWtfbVhhVUxETlEzSUh3RFVoMG0xNTZCMVFRMXlRUWxXWGNIZVE4aVVETTFaOTdWTHZMTTFRNGExVU5hZncxclgxYjdMUllQaWRTdDdsQWcwU1Jjdnh2bUtJbFVoX3gyRV9RelhFZWxPRnRZTzI0NDFDLUNFbkVpX0tzVnZ1VGRaSVVyVzNqWW55U2Rma2NFUDI3aVBKS0VPM3BoUQ?oc=5) · LancasterOnline
- 2012-03-02 [Susquehanna Bank considers Chester County an ‘exciting market’ - pottsmerc.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcEdhLXFuWFRQSlIxbndtTXU2bVZOSWR3X0FjZFd2WHVMbVk4d1JGc3hoT1ZvS3ZRSTBqR1FBZEJLaG5HVG1TQlpuWEV0OWtQYTRXSkt0cDU1bEFmbDFtWlo1cjBpYkRZTWZhM3lpZkJNejlzaGg1eG5qNWZIUDBGNDVtaHRmU1FhLUNNTlgySDNRcm5QbkpHVklIVWpVVEk?oc=5) · pottsmerc.com
- 2018-08-03 [Susquehanna Bank sold to BB&T for $2.5B - WGAL](https://news.google.com/rss/articles/CBMigAFBVV95cUxNemtOdkFQSmxVeWRSLXdsbzJkeDVIakJXU2w4bWF5RlVQVEdtM0poZ3Mzc1dzSm42d2ZSbW05MW9sOUZVR2JhaE5lb19MRXNiNUlUeVJNY1BDMWphaDQtV2RrcXBMOEpUNEN3SjJyYVQ2OVVjQzQyb2taNWxCdW82Mg?oc=5) · WGAL
- 2014-11-12 [BB&T to buy Susquehanna to expand in mid-Atlantic region - Baltimore Sun](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYjI5LXhkNE8xdUVqSWhvbEFfTjVCM2dfMkV2NlRFT0Y3YkQ4cVBYRE1qNGFlS1pNaEY4Qi1XdmppblFqOFFDeHA1VHE2VjFyMzJqcEZLODZVSkVjT0RWM1ljQ3BRLTlmMDdrRDF6SzFZQTdjRGFGYXQ1ZVA1clFpWTctVlBtM1VWVEpVNUdKaHJPVDEwWDFrTHVyR0Q?oc=5) · Baltimore Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7579 (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/27.json (key "7579", 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