# NEFFS NATIONAL BANK
NEFFS, PA · FDIC certificate 7646 · asset band $300M-1B · 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 | $470.8M | |
| Deposits | $371.9M | |
| Loans and leases | $258.2M | |
| Total equity | $71.7M | |
| Loans / deposits | 68.80% (p24 of band) | 82.04% |
| Liquid assets / assets | 42.98% (p86 of band) | |
| Uninsured deposits / deposits | 9.53% (p4 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.10% (p58 of band) | |
| FHLB advances / assets | 5.10% | |
| Tier 1 leverage | 16.82% (p94 of band) | 10.81% |
| Unrealized securities loss / equity | -45.25% (p6 of band) | -8.10% |
| AOCI / equity | -0.37% (p49 of band) | |
| ROA (annualized) | 0.53% (p12 of band) | 1.28% |
| Net interest margin | 2.67% (p5 of band) | 3.91% |
| Efficiency ratio | 78.92% (p88 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 2236.54% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 0.82% (p4 of band) | |
| Auto loans | $22.8M (8.84% of loans; DQ 2.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 58 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | uninsured deposits leaving |  |
| 2023-03 | 1 |  | uninsured deposits leaving |
| 2023-06 | 3 | NIM <2.5%, uninsured deposits leaving |  |
| 2023-09 | 4 | deposits shrinking |  |
| 2023-12 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 1 |  | NIM <2.5%, uninsured deposits leaving |
| 2026-06 | 1 |  |  |

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

- 2026-04-30 [Neffs celebrates Palmerton branch - Times News Online](https://news.google.com/rss/articles/CBMid0FVX3lxTE9PRFBZQ2N1anNMRFBVOFNlTXJKTlFDTWVUYnY2blQ0X0RJOER4aUtuTGdYdDMzb1dxMkg1THpLTnF2ZTA1eDJ0UGU2bi05MXF1aG5IZ1I1T1Z2LV9VallfeERsVkFNMTFjVmpFdFlNU0I4SENPeDN3?oc=5) · Times News Online
- 2026-02-24 [Neffs National Bank opens Palmerton branch office - Times News Online](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdk1ZS19ZWHJ2b0d4bFo5UUlWc3VYOWk0eGwwUzhQMm4tZ1ItM2NPaXFHd2doVXpQNmRBeU5pdEtlcVVuOV9rVDd4STloeUlpdTN4RlZqYk5rTTI4NFlnN1owOHdLWHA0NDI1NEZTeHVRWllQTExjUTg2ZmZ3Z1gtMWE2WEJ5bGdkS1JOSw?oc=5) · Times News Online
- 2026-04-29 [John J. Remaley Obituary (2026) - Schnecksville, PA - WFMZ-TV 69 News - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxNY2lMSTE3R1pPRE1lNUxIZTNBcXg1ZnlGd3Q5YTBWRk1qR1VjVnpJT1JpdkFYejMtNnlib3hWbERmZnlFaV91bXd2ZURsS2txSS02Tk0zbDlCTDcwcXVXTWQ3Y0sxT1NYYkNCU2k0RnJROTI2S254NjZHYzU0dVdtWXdvc3ctRDg?oc=5) · Legacy obituary
- 2025-03-25 [Neffs National Bank opening third location - Lehigh Valley Business](https://news.google.com/rss/articles/CBMia0FVX3lxTE85cW0zWVVXRlZUZWoyM08xMTRtSktJSDRpbURjN2V1eFprM0RCTEVwczQwMXdQcjZNZzJ3eS1qeWxVaVpURWtDVXdkcTczcFg1RWphNEE5b1V6Tk1yTUM4cFdwLWZ5MDZIVDdF?oc=5) · Lehigh Valley Business
- 2023-06-30 [The Neffs National Bank celebrates 100 years of service - Lehigh Valley Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxQR2I1MFVwWUpiTnhDM1hjNVBfaDdqVk16S3BESXQzajYtNnU2UUpVY19na2ZEaWVQci13bWlJMHNlRkprZjI3MzNfRmRvVDBUQzFaOUI3bG9tRWZQOVRoaV8wZlhMLTBtcW9zMy1qMnl6TkZudTJ5U2VkUnUzOUlvaUd2eW1KR2tNRGhuSXozUGNBYU0?oc=5) · Lehigh Valley Press
- 2026-02-28 [Neffs National Bank opens branch in historic building - Times News Online](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZG9ydXg0SEtma2tMYnRNX09ha3E3NnA5dXZHcWFIYTNzRXV3a3lZUUM1Sl9NdnBYaERQbFVKQm5TQWVlajI2OTVISkFseVpWNy1nT0c3SnVaQjhucGZXd21MUmhDM3E1ZGdMMFdFTVF5NkpCalRidWotOWpxcWlSMTJEX1BVMkxfY0Zzd1lhWGN4Zw?oc=5) · Times News Online
- 2021-08-20 [The Neffs National Bank receives Inspire Award - Lehigh Valley Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdUZmOWd1YVRBWW5nVnhwd3E2UmZlVm0xR1pTc0tSQmpwWThiNUtKdEJJZWVQT1VodEM5UUkwbjFlZWdPT1ZBTTVUQTAtd0dPekdzTEFmOHFlLTRTdzZYX05mY1JlYTRXUHcwejZQaS1qdmQxRFZLQ29IbWFiWTUtZ0JCN3NXTlFGSlE?oc=5) · Lehigh Valley Press
- 2025-03-25 [Neffs Bank buys Palmerton building for third branch - Times News Online](https://news.google.com/rss/articles/CBMijwFBVV95cUxPVkpBZ2o1aHFxUkJRVEY4OENva3QxZTRRazFHRkowbG5MYWdMY2dEQXNzemNyZGtMZzNqbFlFcko0Wi1rQTZRbmtreDBiZm5mX0hiSGlsTmJyUzFLYkFGOVFHd3JZY1hnM0dMc0ZiSG8xTDFjZHJFRVFfNzZjT2ZmZzBqTmxfeGE3LVo0LUNpSQ?oc=5) · Times News Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7646 (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/30.json (key "7646", 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