# LUZERNE BANK
LUZERNE, PA · FDIC certificate 7586 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $722.2M | |
| Deposits | $582.3M | |
| Loans and leases | $550.3M | |
| Total equity | $69.6M | |
| Loans / deposits | 94.08% (p81 of band) | 81.31% |
| Liquid assets / assets | 17.05% (p22 of band) | |
| Uninsured deposits / deposits | 17.10% (p21 of band) | 24.97% |
| Brokered deposits | 11.08% | |
| Wholesale funding | 18.83% (p91 of band) | |
| FHLB advances / assets | 7.53% | |
| Tier 1 leverage | 7.87% (p2 of band) | 10.49% |
| Unrealized securities loss / equity | -0.78% (p89 of band) | -12.52% |
| AOCI / equity | 0.47% (p28 of band) | |
| ROA (annualized) | 1.10% (p50 of band) | 1.11% |
| Net interest margin | 3.46% (p40 of band) | 3.64% |
| Efficiency ratio | 57.12% (p30 of band) | |
| Noncurrent loans | 0.29% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p86 of band) | |
| Reserve coverage of noncurrent | 152.66% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 20.41% (p24 of band) | |
| Auto loans | $95.5M (17.35% of loans; DQ 2.70%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | NIM <2.5% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 2 | deposits shrinking, assets shrinking |  |
| 2022-12 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2023-03 | 4 | liquid assets <10% | assets shrinking |
| 2023-06 | 3 |  | deposits shrinking |
| 2023-09 | 4 | wholesale funding >15%, capital falling | liquid assets <10% |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2024-06 | 2 | capital falling | loans exceed deposits, charge-offs p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | brokered >10%, capital falling |  |

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

- 2025-07-30 [Luzerne Bank is now Northwest Bank following $270M merger - The Citizens' Voice](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNUp4Y3RPaUM2em5Qc1RoNERVTEw2Z3ZmaldUaFo3a2ZNdWJyMmVuMk5ZT2dMd0xFODdhbFhWaXROaFplREZfeU1FLUdTaGFSNFU1NEppS0dta2ZTSTMwdU1TWXVzNzd0OEFySldmMWstVWZ1YTVsR2pobEVueEV3WHhVSWUzTU5zT3FBaFo3aTdxVEZ0WU9mWGZKemZTOXc?oc=5) · The Citizens' Voice
- 2024-12-18 [Ohio’s Northwest to acquire Penns Woods in $270.4M deal - Banking Dive](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQMmFVem9iemV4X2M5SXVabHIzaTlPXzVFaHc0QjF2eVFLY1dHdUZjMmNJX0Z5dzdLbi1xcVFyQUtXcDJVVVp4SGQ2NWluYWlyUjlIc082bXlmZG1lakdoZk9qWWxqUDNLeDh1RlZKZUFCcG5VRFFCNU5IU1VPOEJxQ1MxMzY5Vk1wR1dELVFiWmRKZ3haMVlrNnNSejFRWDM3Z2x2OXEzeUVwR1BKb2FmblZoSFBYQjFkRjNNRVdqNEF6ZDg?oc=5) · Banking Dive
- 2025-07-29 [Bank completes acquisition - - Times Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxObXZwR19sWG52NEFwUEtYckV5OWJGVDM5NWRLdlRrOVVaNUF4WkprS21EM1FHd3lkY1M5YkdqVVo5M2JQbHlRSlF1My0wQjVMb0NDSWFxQXdzLVlhcldPLWMycV8wT0tCSmc1SlhhRVhmaXJYNWhOZmNwOVRHVUIzZVYtYTJ6VTg?oc=5) · Times Observer
- 2025-08-01 [Northwest acquires Penns Woods, expands Pennsylvania footprint - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxOS25mWENBSTB1MlViYVBsdXJiRTF6d1RHd1V2ZUpFYW1aSkVUczFzZjdURW9JQXlnMnBUSVBGSmpaT2NmTm5qMTRzZERGUnVXZDFqb21PZk0xRThpMW55YUpMYXRnZHdXYVV2bGFaSUJBU01BUi0xS0w3VFk4SXRSSmpWVGZUX3UyQnYtWkFmX0wybWdua2NxQlpJWDU3QQ?oc=5) · American Banker
- 2025-07-28 [Northwest completes acquisition of Pennsylvania bank - ABC27](https://news.google.com/rss/articles/CBMihwFBVV95cUxOSVJvVnJuaHduNmVxNEtGLWpWWU5JUWI1UXhBV1U4cDh5WFJNTUkxZnYtVUhMRno3NGQtOG1yYW9pVVZoWGZiRDRfTklES2NWcHZNemF2ZVZkNS1HbXJZdmlhM1NGNnFkQXRZaGxtV1JndVU2endLbkhNOThGbElGUGxneHVlclHSAYwBQVVfeXFMTldpcFFyeFAtMVJTbHFubWMxV1M3NjA3R3gxZ1NiZV9iWk81WnJqY1NFVGRPSnRjMjNJak1lU3pDS1BwLVp3V2xWOUJtNWtOWFZEazJkeEZSc0NBblRvbXA3Q2wxeEtfeGtxcE1Zam5faGM0akRSTVdqdXBvNWxCdXpzeXlYczRaUlJwZ2c?oc=5) · ABC27
- 2025-07-28 [Northwest Bancshares Completes Acquisition of Penns Woods Bancorp - citybiz](https://news.google.com/rss/articles/CBMipwFBVV95cUxNOWVuMzhrbW9Qc2twazh5UkRUM0l4emRqekNGeEZCZk40NXdoYk1GRXFmZno0LVhDcDlQSlFuNjRuSmczMUttZVZ4R2xUT0ZVV2dTWmtNVC14LXBJUi05Nkx0X1V6VVhjbDRsRm5qR1UyY29tbmFvamo2MkpTcDZzUmU4NnlIVjVVZVh6VDdjSE1HQU5Kb2JRWG5uQXNYdmRIN0tGUF9RNA?oc=5) · citybiz
- 2025-06-07 [Office and data center building up for sale in Pennsylvania - Data Center Dynamics](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUTN0VXUyNnVwVXUxTjhuNTNnMjRDU0JRZzRBMy1peU5YQS1lMU41eXlmTlpTZU5iV1pMRHFsQmlKa0stREYwZzNSbHM4VFF3QnZzVXFNV2U4TGlJS2IzbUpYTlBlbFkwRERLX1ZwX1ZkMUFiUmlhakt3ZW9weXZBdnd3My1iRUJQdm5jdkRqTk9vTlVFNHVlMHBGXzh2eU4xYXo5Zmln?oc=5) · Data Center Dynamics
- 2023-09-07 [Hotel, restaurant planned for Luzerne Bank building in Wilkes-Barre - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZkw0c0FPcnIyNVlFOHlMdFlhSXZmZEI2WVBpN3hnNElzMEk1YklkamEta2drNlRoaXp6S2VYdnRHc1NzY0xGeHF4cXBTaGFYbTJZUnhEeWl1UTlUZGFqdmtmb0YzUmVZNE5nSldwNktLcXlBUlJQZVVMX1loZ2QtTjlSWWVKMVVVcm53amp6OWNQN19FaFFWTVJwcXg4TFU4elZLV1lOS19fdGF2UzBHTQ?oc=5) · Scranton Times-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7586 (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/34.json (key "7586", 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