# NORTHUMBERLAND NATIONAL BANK
NORTHUMBERLAND, PA · FDIC certificate 7666 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $684.5M | |
| Deposits | $603.7M | |
| Loans and leases | $446.3M | |
| Total equity | $58.4M | |
| Loans / deposits | 73.29% (p34 of band) | 81.31% |
| Liquid assets / assets | 30.39% (p63 of band) | |
| Uninsured deposits / deposits | 14.16% (p13 of band) | 24.97% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 3.12% (p43 of band) | |
| FHLB advances / assets | 2.92% | |
| Tier 1 leverage | 9.86% (p36 of band) | 10.49% |
| Unrealized securities loss / equity | -21.86% (p33 of band) | -12.52% |
| AOCI / equity | 5.75% (p88 of band) | |
| ROA (annualized) | 0.63% (p21 of band) | 1.11% |
| Net interest margin | 2.74% (p11 of band) | 3.64% |
| Efficiency ratio | 76.47% (p80 of band) | |
| Noncurrent loans | 0.19% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 455.90% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 30.90% (p34 of band) | |
| Auto loans | $2.5M (0.55% of loans; DQ 1.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 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 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | expense ratio p90, NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-09 | 2 |  | expense ratio p90 |
| 2022-12 | 3 | expense ratio p90 |  |
| 2023-03 | 3 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 5 | capital falling, deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2023-09 | 4 |  | capital falling |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 3 | NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 2 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 2 | securities losses >30% of equity | NIM <2.5% |
| 2025-03 | 1 | uninsured deposits leaving | expense ratio p90, securities losses >30% of equity |
| 2025-06 | 1 |  |  |

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

- 2024-09-25 [Two Central Pennsylvania banks announce merger - ABC27](https://news.google.com/rss/articles/CBMihwFBVV95cUxPbi1QdnNTTThQYTRlZXo4MzM0UWF0dVhrbUZEOWZEaVZ2VW1VWlF6dXdhQ1JaZWZvREVEM1ItU21fVVJTbWZzV3Q2YU9aTlBiRXV2WHhHUEc0MVE3cW1pWk8wanFmOFJzWEc5TDNKNl9XNEV0TlViUHJ0VURjQ2lCRjVNc0tZc3PSAYwBQVVfeXFMUG9hdlNhVHZJQjVpc2xPYjZuRUYzOEV1QzFkSFMtcFhZMk94OXF1Y1IySlFZd25mNTllNGJrSU92YXhiWGprRWdWdUFsWWlfUW5jN1U4Q0RIMTg3b0ZiQ0JZZ0JpTV9BM2t0LVJHa3ZiOWFTUzZwQVNZRFVSVWYzSUR0QmhnMW05RzN0Zk4?oc=5) · ABC27
- 2025-07-03 [Central PA Banks Set to Merge Under New Name | - WKOK.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE82ZWt0TU9zRUw5RTRzOXpLaFJ4RjZEaVAyUGtubEZ3M0pVQkZ6TUswcFZtVEI4el9UYkNXZW1Mckg5MjROOFN0Nkc1djhES0MtWTBGOVVPVUtENzlaSVVtS3UxY3AtOWtpelUyVUdYdDRfSHZq?oc=5) · WKOK.com
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2019-09-07 [Former bank president must pay $100K in penalties - The News-Item](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZERxVEdacXBpbWxtWlI3QlBZZmlXUlJjRFpQalF3Ql9lMGpqRXZCbEd1WWZ2dS1wM054Rkw4Njd1bmJMelRkS0FxMlo5Z3lwbHlRSVgxVDZXQXJJbWNKSjdKUW1aeG5YclQ1Q09ENUdrYjhTOU4tTmk5MDZqVjM1WGJNVmdYTVgwY29Ld0swZElHYXk5b0cxZ2Faa1JkU3I4c2RIWTlOUWxyRHF6X1BNbUtudkZ0QVphYlpJZDZydUtacnp2MHhpOEg1NGxtazg?oc=5) · The News-Item
- 2019-01-03 [UPDATE: Police still searching for suspect in Selinsgrove robbery - The Daily Item](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQSU9QX1A3X2E1VU5hQVd5Yml1Yno2ODFKbVZIaVhUQ215U3lDaGt0cU40UVRPLWZCem1VUm5JVWh6RFVXT3NUQmdQN3M0VExOdXZ6V29GcUZFSm0xcTVOelYtVXFtcFE1UFBNMWJCbUZ1RUdtUFJ1RnVaNmJ4S09YV3M0Ylhaa09TS2pHVG50QjFDRnByUFlILUJBR0pacmFzRTNucVNnY1l6YV8zYzlVQ0txcVBaMnRfeTVSZ29aZXpnNmMtNWFfc3VOd1FnZzdUZUliOFE1VS1KaU4yWXc?oc=5) · The Daily Item
- 2024-06-18 [Michael F. Flock - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMib0FVX3lxTE1BWm5oNUZONUlNZHFCcHBybW9Uek9Ec093ZHFCeUY5MzJMck9Pbk1qbGNCcmx1eHo2TjdPT0YyUExiNkw4U0FsZmVWS2lzVDdCMUpFbE4xMGROR0hZa1pBdWhsLVNmSU5LSVc1ak9adw?oc=5) · Williamsport Sun-Gazette
- 2026-06-24 [Betty L Strawser Obituary (2026) - Northumberland, PA - Joseph W. Epler Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWXJXVWl2RUp3aEt3MHp4T1NCc1hYd09mYkx4emlGUjNnTm84ckhTLUFOOFN5SjVHbkotZDdJSkpYUkRlMGg5SlRjb1dQNWdzUGxuNkxrVzNkOUpaSHk1WVR3Rk52YXlfb25va2JfZ08xMm04YlNwSGhheEV6N05PM3p3QQ?oc=5) · legacy.com
- 2006-09-04 [Kenneth Diehl Obituary (2006) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOUzJoQjZaalh6cG1nNGZjdmJHa3FobGFaako2dFV0cWlfaEl3TllYcEVOMUFhNVA5aWxOSDMtNV9sNF8yOW1BQk1ialBxVzhacm9FdUs4cUdpT1dZcnFUSEZ2bnYzUVp6ay1IekRUTnpEcW5aYnUzaWk3b09GLVd4MF9IcU9qbGRMcVlzT2ZuSXJjTHM?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7666 (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/50.json (key "7666", 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