# SWINEFORD NATIONAL BANK
MIDDLEBURG, PA · FDIC certificate 7774 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $324.2M | |
| Deposits | $281.2M | |
| Loans and leases | $188.7M | |
| Total equity | $33.2M | |
| Loans / deposits | 66.69% (p16 of band) | 86.40% |
| Liquid assets / assets | 38.33% (p84 of band) | |
| Uninsured deposits / deposits | 10.52% (p10 of band) | 21.53% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 4.03% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.55% (p51 of band) | 10.49% |
| Unrealized securities loss / equity | -10.23% (p11 of band) | -3.26% |
| AOCI / equity | -5.70% (p12 of band) | |
| ROA (annualized) | 0.79% (p24 of band) | 1.12% |
| Net interest margin | 3.28% (p20 of band) | 3.75% |
| Efficiency ratio | 78.80% (p87 of band) | |
| Noncurrent loans | 0.29% (p34 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 225.00% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 17.80% (p24 of band) | |
| Auto loans | $1.9M (1.00% of loans; DQ 1.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 41 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 0 |  | capital falling, reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, reserve under noncurrent |  |
| 2016-03 | 2 | noncurrent p90 | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 | expense ratio p90 | noncurrent p90 |
| 2017-09 | 1 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling | expense ratio p90 |
| 2018-03 | 1 | expense ratio p90 | capital falling |
| 2018-06 | 0 |  | expense ratio p90 |
| 2018-09 | 0 |  |  |

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

- 2018-05-23 [Fulton Financial gets federal approval to merge 2 subsidiary banks into its Fulton Bank - LancasterOnline](https://news.google.com/rss/articles/CBMimAJBVV95cUxOS3V3bnMtRlRid3BaXzBZS0VpV2htTjU3bG5JOXJTS19fdzMxT1c0cmxxVldzemZ0SDZ3RkxnYkhoM2VyQ0ZySTBCeXdxMlVPWnZvVmtMWWhkOVozUHFnZ1hlUl8tMmM2eFBfbXh0NlByOGhjMEJOXzRpczRWWmJoMFhtVlBRX0FJUjlxQm13S3RXVTdYYThhXzRfNzUzbUVhcWlwc0NUaVp6Q3ExLUlmWjA1UnhYbDVrUE1MNWpUOHVvSVhNNEU0THpTOEhLMnJhM1N4TFd3R0MzZXVGLXNMYURqSHJibUt1ZkxjZjF5VVZqM2hHOVlsU0hUdTJDYU5LWjdTeGZzYmJkTWJ0Vm5yTzlIT3UxLW5y?oc=5) · LancasterOnline
- 2018-03-30 [Cattaraugus County Bank CEO focused growth, technology, reviewing branches - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVUUxQWVQM3kwWHJheWY4TnZKb3UwOXQ2QUlwMWFVWlVHWkd4V0ttYXV4ZklySmJwYy1YTzF3RTJ5OXVZR3NaV1oxOUxmdVFyM3ItRmpvLVUwZWgzNXB6a08yNVo1QzhpemRwdm1fTDI0cFV0RzFuSjRNNkozMlVnbTlIWXNQYTdmNWlTVG1UVnBLc3dlVUpkbXp1Z0tLUnJY?oc=5) · The Business Journals
- 2008-09-09 [Cliff Shafer Obituary (2008) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRy1zRlM4bDNERGx1OTNlNUdVVXhPNU5HdGlFbWhIaFc4NWwwVUJHMTdTbEcwSzBVSGxWLTlKb1JhODdXVnlLRnotOVBqR3h2ajFIcDBwRkZBdTNrVU1IRmFMeEtKZEh0SXl3aExRMUtkcDZuSm55SGFPVm5YZm9RZVR5aFBaVFg3S01Gb2ltOVRxUQ?oc=5) · PennLive.com
- 2020-02-20 [Armed bank robber sentenced in Snyder County - WNEP](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPOFk2U1hjYkpCSm5VQVZyMFBJZUVuYy1aUmF3dk9wN2Ryd05FSHBNLTlfbVNtRmRuandhTTdfOVUzU3VCa0o3ckktOUtkbU9Kb0g5YmM0dFpKOVV4Y1h3UUtDbE91WW5SVEpndnNVd0swM29nSjZ5SFFJQmYwUGtkYkdpRlZUTjkteFRNZkpmTnVYV3lhWUlYVGpMREprdnlWMTlVZksxbzE5NGE1TGxFVUUxM2tiRDVYNGhzYmJOQkNVeGJxRFFRU2dSMlh1RDlSa19BVnJNTF9ZZXM?oc=5) · WNEP
- 2026-04-30 [In Loving Memory of Allan R. Dennison | Obituaries - Coastal Breeze News](https://news.google.com/rss/articles/CBMiywFBVV95cUxPcEM2TFBkZ1lzMUhWTE5ZUzFyMHVsU2xhcW9fMWhzYTFDdjJReTRZTEhfbHNCVWNkQzJQUW1oZl9rdHVJeDlDejNTTVVZM2NtNFlrcTkwTXVueGpySjJNeTFWZDhMeG1YZzQ4LVhzanl0MHpxMXVMb3M4ZmJXYmFiTk41QnRMWUdGM1JxUHMwSHdQaFNES1psQm9JcHlSZGNxaU95akF6TFhHX3piM0hZTkNKYmVWVGNaTnhDclhWcHJQTUdUOVB1bXhURQ?oc=5) · Coastal Breeze News
- 2007-05-24 [3 jailed for robbing Snyder County banks - The Daily Item](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQ0dUMEhpeHg3REpGVjlHM1ltYVo1TTMxR3ZWUnEtMWVhb2NDN2JqcGYtajRqdGtLNWNQTTVlVzZNemxBU3Blcm1MZFFzLXRPVi1sTHFYajhsTmNiWXRaRXhaZmpPQlo5Mzl0c2ZHWDhjMnR1TFgtR1k1eFhEYmRFQklXdjRyUmc0dTBCcmZ1LWNuZ3JvdU16cExhNl9EVERja1FiZlBKSXZIX0Qtb3Y4UTk1RU5VN0tkZzhKYUln?oc=5) · The Daily Item
- 2014-02-12 [Successor to Marranca named at Catt County Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPa2Y3RXVNYUpqM1dvNmtTZ1czQmdmQzltUWJ0Rmt2a0lmQm5EenhfbXpSbkUxQml2alUzNUZ4eVNNY3RYZGwxN3owNzRQQ1p0OHhscEJBR2NpSDhfeTRxOFJtTThLd3JqS0UtVU9mUXY4ZmFnSVBldEhNZ24tQklBd2xlTHU5bkI4LTVaVFBvSDhfakhMUm12LS15Z0wwR3pkbnNGX0xuaw?oc=5) · The Business Journals
- 2020-01-13 [Man admits robbing Middleburg bank in 2016 at gunpoint - PennLive.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOTkNiUElVRThNZ1J4eEo2VXF2Y3VqbE10T1pYa2lJVDRHQ0xPYzBnWjgzYzh6dXliblVScnB0bFZiVHFkTlQ4b1ZmeXpmN2I4Y0w4OFFXSXRUc01mMFRiYk1IS3RwaGM0Y3p4RERma1RySjNjMU5EdTFMVFE5cVI4amNXZDhSYWFNUHdGaEd6cm9jNk1nUm45aFhobkZkUdIBsgFBVV95cUxPT3lHQm8yVDcwN2Y4ZFRGSWl5My1TaFlkcHFuVmJFajlzMUZHUzR6NUJ0ODJ2LVNYRHdqTmtkV2xfa1RTSDY4bnBiVEhfbTkyckNxMHhhTW92MTJXZHpyZS05UzZBOWVrS2V4NExrOFJwTV9ZbmZITHl5VEJjZ0c1NEpNM2duRDR2LVZwMmc3VklEREhia28tV010OUJBdU0wZXNtNmZUVmw5aUxvUG9QUXZn?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7774 (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 "7774", 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