# JIM THORPE NEIGHBORHOOD BANK JIM THORPE, PA · FDIC certificate 7599 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *run candidate*. 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 | $265.0M | | | Deposits | $241.9M | | | Loans and leases | $125.5M | | | Total equity | $22.5M | | | Loans / deposits | 51.35% (p21 of band) | 73.59% | | Liquid assets / assets | 49.05% (p77 of band) | | | Uninsured deposits / deposits | 20.35% (p52 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 10.08% (p26 of band) | 11.76% | | Unrealized securities loss / equity | -30.08% (p13 of band) | -6.57% | | AOCI / equity | -2.95% (p6 of band) | | | ROA (annualized) | 0.96% (p38 of band) | 1.17% | | Net interest margin | 3.38% (p25 of band) | 3.93% | | Efficiency ratio | 66.19% (p51 of band) | | | Noncurrent loans | 0.00% (p12 of band) | 0.36% | | Net charge-offs (annualized) | 0.01% (p63 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | 85% | | | Construction % of loans | 3.48% (p26 of band) | | | Auto loans | $3.1M (2.46% of loans; DQ 3.17%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 7.0% | | | Employees | 43 | | ## Flags firing in the latest filing - **securities losses >30% of equity** (`cap_secloss`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 1 | reserve under noncurrent | | | 2011-12 | 1 | | | | 2012-03 | 0 | | reserve under noncurrent | | 2012-06 | 0 | | | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 1 | reserve under noncurrent | | | 2013-06 | 1 | | | | 2013-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | | | 2013-12 | 3 | capital falling | reserve under noncurrent | | 2014-03 | 0 | | AOCI drag >20% of equity, securities losses >30% of equity, capital falling | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 1 | capital falling | | | 2016-03 | 0 | | capital falling | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 2 | deposits shrinking, uninsured deposits leaving | | | 2018-06 | 0 | | deposits shrinking, uninsured deposits leaving | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 0 | | | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 1 | reserve under noncurrent | capital falling | | 2021-06 | 0 | | reserve under noncurrent | | 2021-09 | 0 | | | | 2021-12 | 0 | | | | 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% | | | 2022-06 | 2 | securities losses >30% of equity | NIM <2.5% | | 2022-09 | 2 | | | | 2022-12 | 2 | | | | 2023-03 | 1 | | AOCI drag >20% of equity | | 2023-06 | 1 | | | | 2023-09 | 1 | | | | 2023-12 | 1 | | | | 2024-03 | 1 | | | | 2024-06 | 1 | | | | 2024-09 | 1 | | | | 2024-12 | 1 | | | | 2025-03 | 1 | | | | 2025-06 | 1 | | | | 2025-09 | 0 | | securities losses >30% of equity | | 2025-12 | 0 | | | | 2026-03 | 1 | securities losses >30% of equity | | | 2026-06 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2020-11-14 [Carbon bankers named to state board - Times News Online](https://news.google.com/rss/articles/CBMiekFVX3lxTE5fMmpPVk1VVERvVWZQelQ1dW1SdEJPbG1LZzgwMTU1YUk1c2J3UE1ZTGI5MEhoSm9rLVVxQXk5YlU5MkZUN3U5blpXSWVfcnlXMnNtaktGNGJpS0dLdHNGR1U3WlVwMTUxai01YVJLQlljSU1OYmZYX2tR?oc=5) · Times News Online - 2023-10-22 ["Mobituaries": The final resting place of sports superstar Jim Thorpe - CBS News](https://news.google.com/rss/articles/CBMinAFBVV95cUxOekZiZ2RxeG1FMEFBSnl4Z0xqRm9HcHNmYmw3YVBzVDhTQ2V6QzY5Y2RtWF9UVkktcGV3M2liWWZqTkQtbmVPNG1Kc21lR3lST3lZcmZLTllhQ1o4ckNBcVVTYzQxRWVaWHo1eGhnUjcxTEZoOGdva3ZzRHQ3Smd2YUItaFNXYU85Q2IyMVVZMXhONDc0cHloU2l3M27SAaIBQVVfeXFMTlVUdU1QeGNYWElCaTRTVmtISzNFLUVjdHVRM3ZNVTZBSDhKQXVyMllwNFVHeGxUaWJZZVk2MkFSTWxlMjBIS2VhbnZfMDlWZHdHRXFaMnpZSGp3TlBTZnJiWWdHaktOSnJQNUdTbExrNG42NEZpdEk0dlY0aWdaeU0tVzVGQzVJS2RYLWxHUm0yNjdUTW9qUnotNDcweXN6XzNR?oc=5) · CBS News - 2025-03-27 [Michael O'Donnell Obituary Mar 27, 2025 - Quinn-Shalz Funeral Home & Cremation Centre](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9wek5Wam1RNnE5clJtQ084VE5QakFRcFBYZVpsRFphdC1RZXllRU41VENQMTc1MHBUYWQ2dHhsVHQtUmtsdm5OYkNoYXFWMmc5al9rMmM4eTRjbllYRXk1V1poUWQyZw?oc=5) · Quinn-Shalz Funeral Home & Cremation Centre - 2017-07-23 [JTNB Stock Price and Chart — OTC:JTNB - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBMUDBQTGlEV2tJZ29mUlp1cWdWZHJqTG04TnpCdUlzenoyZjlrOGRzbmxLeEtCb3R3ZHNOMGFoXzFvcTA4RnNrZ2xhTmN2MkM2ZXRmRHFLMG4?oc=5) · TradingView - 2016-10-05 [Carbon County Man Sentenced for Bank Robberies - WNEP](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPb3hRRXl5dFI3dUc0UVd0VTdIWjNoWkZrNnBVVHlYQnJSazByOTdOWXJDU3VuNXVkUTZEVVpDSF9TVENIbjY1dmRaSkRzZlUzdzNuZEt4TnBxeWZyc2NXbktiQ0k3N2Y4YnFEUEV2MzdNTlVUYlNvWkhiWldsNENvWVl4MnJYVXZFbWc5cXRWS1Q1c3ZNalo3MUVxSVRNRFMyMlg0ZTctXzFVaW5TZ0ctN1NKemNmS0hGS3J0RUlxSEFiOXJpeTFOQms2WEYtZG1KRGxhb2VaUkM?oc=5) · WNEP - 2018-03-17 [Jim Thorpe Neighborhood Bank donates to St. Joseph Regional Academy - Times News Online](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZHcyZ202eDJzWFBLN2xLODVzV2IyVGVMOEdkdWw2OTcwSE1GZkdsUTg3MGoteTdlMmU5VG44bGFNZ1g4cTczeWQ5b3Nkb3RfWmVPMWpGZkxrSkVfYnV2VVFDaGo3NU44NXFEeExYWE5BZGhGZndnQUZsMDY5UDFKRUZTQkxIN05pYU5Wa0xiX1hLNXNzTGhIYV9GUFVxZWNtS2hj?oc=5) · Times News Online - 2026-05-15 [Bernard Kuhla Obituary (2026) - Formerly Of Jim Thorpe, PA - Times News - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQMVBnaTdmVnVlMHU2WmdfQzRDRmNpdEJXVHFwN0tEVXhfOWw2TWlYYW53QTRDM01vdEQwelBCSzA2Q2hyU19ER0ZvRjAxNWw3SkhMUUZmcFYyNUJLRzJleUJvTlJra2ZkQzJWczNoWEdzTTUzZ0lMUkNyVlJ4UTNnUmR4cllHVld4SlJMaU9B?oc=5) · Legacy obituary - 2021-12-13 [Carbon bank welcomes Pa. treasurer - Times News Online](https://news.google.com/rss/articles/CBMid0FVX3lxTE16U2p4b2lHUnRob2I2M3ZTa3kzQTVTdktWWThVanpBRWNNRmlIcnduWTRtdi1GUm5ha0tHUGxKUVZ0TUZrOGI0eFA1Y2t0bnpXWmQtZXpUX3Q4cDc4QVlVRDctVllwazlDNmtRVVl5NjE4ZHA5QnlB?oc=5) · Times News Online ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=7599 (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/47.json (key "7599", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide