# NEW TRIPOLI BANK
NEW TRIPOLI, PA · FDIC certificate 7659 · 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 | $674.0M | |
| Deposits | $600.4M | |
| Loans and leases | $524.8M | |
| Total equity | $52.9M | |
| Loans / deposits | 86.46% (p63 of band) | 82.04% |
| Liquid assets / assets | 17.38% (p23 of band) | |
| Uninsured deposits / deposits | 22.89% (p39 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.15% (p42 of band) | |
| FHLB advances / assets | 2.15% | |
| Tier 1 leverage | 10.63% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -46.91% (p5 of band) | -8.10% |
| AOCI / equity | 1.95% (p98 of band) | |
| ROA (annualized) | 1.17% (p44 of band) | 1.28% |
| Net interest margin | 3.34% (p21 of band) | 3.91% |
| Efficiency ratio | 57.73% (p39 of band) | |
| Noncurrent loans | 0.89% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 121.97% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 34.25% (p42 of band) | |
| Auto loans | $316,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 67 | |

## 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 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2015-03 | 2 |  | capital falling, charge-offs p90 |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 1 |  | noncurrent p90, wholesale funding >15% |
| 2016-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | wholesale funding >15%, capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | wholesale funding >15%, capital falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-25 [New Tripoli Bank announces high school essay winners - Times News Online](https://news.google.com/rss/articles/CBMikAFBVV95cUxQR1kweHplbXhWa3BVNHVKX2FqWGxGWUs5S3dUaWVsZHB5TEN6SkcwbVo2RkloY2JQVTgwSTk2TGlYRlF5QVBWZ19EWUZpaXdYQTRkSW10QS1xcWJpeVNGb1ZSaW1fSDMwLTk0WHJKZTdwMFl3a0JOVGtGQXJ4aHVBeGlKdmotWTZiTWlrYWVKQjc?oc=5) · Times News Online
- 2025-12-10 [PA FIREFIGHTERS LODD FUNERAL INFO (The Secret List) - Firefighter Close Calls](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbGUyZnAxOVhfcXNZa2dTZUJhWW5fNnNpczNKbWxIZ3BTR2F3ZkZZM0ItUzdxOHM3V0I1cG9RTW9HNjdXUkZxT09RVElCZU93T2dhcnJrdHRvZEQ0NEZ0TXA4b1FrTk9hcnNBTWU5eF8zZ2IwVkRjeDhONVlnLVJUMnpMYjJzbk5KYm9qRm8zYjhrdw?oc=5) · Firefighter Close Calls
- 2026-01-31 [New Tripoli Bank gives $100K to NWL - Times News Online](https://news.google.com/rss/articles/CBMieEFVX3lxTE5ZNWt6MEliZXFmLTI4QkNqQmhISVgyYzkwU0pwLU0wMXYzajFyYk5oMkRnRzlNdnNFQ2F4LXBGOU1OV1VQSzI2aGZIVnU0RnZNUEJubV94RUVOWHgwUEJpbjZnZFk5R1p4ZUJrSDl3bTF2bXZGNW1fYg?oc=5) · Times News Online
- 2023-01-18 [Newmakers: New Tripoli Bank, Tower Health and Altitude Marketing - Lehigh Valley Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVUk2NWh5ZHJjSWlLbm54WjN4R1FkMUMyOGJmbGFiYWwxUVZtdjFtVDcwR0c0ZURsbVd4eDVCYk5NVzZvSzN4YVRYUGFoaDd2eFNsaVdGTmNENlJrbEs5d2dnSk4wY2E3RHhfOVFKWHNVOE5SS1YyREhqOS0yN0phTkpBNlRNdw?oc=5) · Lehigh Valley Business
- 2022-02-10 [Well-known figure in the Lehigh Valley set to take the reins at New Tripoli Bank - WFMZ.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNYTlVQnMtQUo2UTVJVVA1cVMycU5hVjdJLVBfU2s2eDZjaC1VWG82MEVRZDdJN28xSUhDcUpRWlBEb2RrMWFqUUNtMXduaVhPa2I5SUFqRmJCRHlJQUpBRTZpNWFaNXF5RVgtNUlfVFAxOHRzN3Z2a2pWV1JHUlhQMElGWWhBRmpDSVcxcTh0U1Jzdm5RU2VUNTV3T21ucEVjaG1QVTlGUGFLU0RDQTVDbEFYa0ppSjFlNXVUdlpXYVJkQjdiSDA2MEtYSm9NR3hnaDF4cDk4WTlPUG15dk9IakJaUGoxQmN0LVNuM0lqMDFOQ0lqNDN6Z0pXX1Uydw?oc=5) · WFMZ.com
- 2016-01-14 [Philadelphia Fed Announces New Directors - Philadelphia Federal Reserve Bank](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVEN4NWpDSmM1c01JdmV0bXZWdEs5eDhuVGdpbHpZM0dWc0N4RkllQlVYbTd2UGU0djZiVHNhdlRqcEJPa3B0Q1ZyVTFIaWhmOEtOTDdmQXVpdDQtcXBSMkJMRXhvZ3h6NmwyZGNxV2FYTjRpS0FWQ3NtUFRVV0c0T2JrOGZxNUlESGFLM0xnVXZPdw?oc=5) · Philadelphia Federal Reserve Bank
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2022-12-09 [Fundraisers launched for families of New Tripoli firefighters who died in Schuylkill County blaze - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNLXRRb3NjblVfVW1QRzFRRTFGeGhQYmJmcTFTdFRUd3NUbGt4ZUV5ZjltSjBwamFnWmNqRFJ4QTFKcGl3b2JMTzQ4YnBYUEllNzVaVEZlcXhlTFU0WWlRN2lwRFRCazUyTU5nQV9mZ2FhVDlwZDNNVXpBTVZ2LWQyMEdOVm54NHAzZUZnOENZZXhHNDBtOHVBM1FPQmRJMG4tc0xHbENZcEFaUlIwNW1VT3NjUVBFNVh0ZXJZdlVLeG9aZ21KVDRjRXlRM3hFY0c5eUhqVVhXUmk1ODNKMnc?oc=5) · Lehighvalleylive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7659 (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/43.json (key "7659", 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