# SUSQUEHANNA COMMUNITY BANK
WEST MILTON, PA · FDIC certificate 8421 · asset band $300M-1B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $587.3M | |
| Deposits | $501.0M | |
| Loans and leases | $400.1M | |
| Total equity | $36.3M | |
| Loans / deposits | 79.21% (p46 of band) | 81.39% |
| Liquid assets / assets | 26.28% (p52 of band) | |
| Uninsured deposits / deposits | 26.82% (p55 of band) | 25.47% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.80% (p66 of band) | |
| FHLB advances / assets | 7.80% | |
| Tier 1 leverage | 8.28% (p5 of band) | 10.62% |
| Unrealized securities loss / equity | -47.71% (p6 of band) | -9.12% |
| AOCI / equity | 13.98% (p94 of band) | |
| ROA (annualized) | 0.01% (p3 of band) | 1.14% |
| Net interest margin | 3.15% (p23 of band) | 3.68% |
| Efficiency ratio | 88.04% (p93 of band) | |
| Noncurrent loans | 0.56% (p59 of band) | 0.38% |
| Net charge-offs (annualized) | 0.49% (p97 of band) | |
| Reserve coverage of noncurrent | 142.51% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 85.20% (p79 of band) | |
| Auto loans | $79,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## 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 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | charge-offs p90 | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | deposits shrinking |  |
| 2020-06 | 2 | assets shrinking |  |
| 2020-09 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 5 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 1 |  | expense ratio p90, capital falling, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | expense ratio p90, charge-offs p90 |  |

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

- 2025-10-09 [C&N Completes Acquisition of Susquehanna Community Bank - VISTA.Today](https://news.google.com/rss/articles/CBMidkFVX3lxTE5mY0JmTDlNdHJlTVpDRzU4MlU4cE1jS1cwaXhiYkRyeU9HenY4ajk0TzZJc2hyRHlTTUVpSzF2VXYzdFB5OHlPcU41TlZtT1dNcm5jdkRpSU5nWWV4SU1DNU8zRDBGRWVzNmMwMjNHY2JSM0V6V1E?oc=5) · VISTA.Today
- 2025-05-13 [Citizens & Northern to acquire Susquehanna Community Financial - Retail Banker International](https://news.google.com/rss/articles/CBMingFBVV95cUxPTnlheVJoSkFzX1FyR0E3WEU5anJQbDNncllQS3FNTjR5TXFmdW5hbFB6NTI2eGItZlY2VUVYa2JUMXhUZElraWJ5NS1LSVF0elJuSmJTakE4UVFkMjZ4b283OU5YT3dBS09wdUVyQTRxZHpIRVVaOGxPRFBEaXIzMFVZNmUzWEtFbEVMU0VlWjdjVlZ3ZEpnWTgzdlVuZw?oc=5) · Retail Banker International
- 2021-11-21 [Long-time banker brings passion to new role with Susquehanna Community Bank team - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOV0h3S0RpZ1lBTTNDaWtDdmttNm11REFDdjJkUlNXN0E4bWtVZjRhUGtrWmgzUEszN1V5bm1nZS14TlZWanVVQ3gwcG1mb2dobTlIbnozUkQ4VlBoa0Jmc2Y0am9HbkkzZUJpRGhub2NiWE11ek1JWnZfX1ZCQkJFRU5tcHFGbHRTbDhNNzNVNmRhR2J1Ml8tYU9HZS1ib05rU0xVN2h0RkhYbDB2eXZvMlY1QTBkbjAwVUVxa080SjdORE5Ec09jSWdCUW04ZUc2WVNlV0piMF8tVS1rR0Q4NW1CbWcxYlQtdGlncUZzVk9ENE5SdExJX3VmdXNUdlk?oc=5) · NorthcentralPA.com
- 2023-10-28 [Susquehanna Community Bank adds Pajama Factory to list of local partnerships - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMixAFBVV95cUxQdnVXUi1aQXoyTHV6TmdPU2phR0UxSTg4dWRCWE1JWHltakxxOXZqN2dWTXRFRHo0UWdLUmtwNlEtRF9NeDBIZjRabzIyMW41eXhDbnUxVy13elZKVTFOcnFnTjdfalNCM1Fad2lycEZOdm9wVjBVcXhtSVoxLTNjQmpFbzg4NTY5em1GSkF5U0ZpS3RidVFlYjRaczdUdS1MaXdYcmZFLU5TNzYtMGZ3bXpIWlczM21RQkZaMEhac3RxQVpo?oc=5) · Williamsport Sun-Gazette
- 2025-05-12 [Citizens & Northern Corporation Announces Acquisition of Susquehanna Community Financial, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNYk5RWGMyN3c2QkFZZWVWeWRxd0Vvei1GS25XcERaQXk1Q0lnSS1iRkNQeHFYOC1BaGpGYmFpRXZZbWZHbE1yRHVSbWZZNzc2V2xXdHJ6SDEtb1ZlWEUxQndhZ3l4MTRlNlAtRnRzUWRVUXhCcGFTZ2tUZkFIQ1NFLU1lclNYRm1mb0QwMGV6Y25NZERFWk8za01uMGd6bHE0ajh3N3RhV3lza2xsS0NSeHlkUnNHOE9Qd01GcXQxUElUZ1BlZFRlUDhHV0UwNkVkSVRmNENBSFZpOXBGajREa2htWG9kb3VYSWlfSW5ldTIybXF6?oc=5) · GlobeNewswire
- 2025-04-25 [C&N to Acquire Susquehanna Community Bank - VISTA.Today](https://news.google.com/rss/articles/CBMieEFVX3lxTFBJbFZCbThUcnBNUzVhNWtBNm5NVEhnTHRscEw2QXZMX3N2eHFPV2NnSFFpYi1NZzdFd3pOenUyTm1hZXVXR3E2eHk2UHFFZGpER0F4Qmk4b1A0LS1PNXJZemRYaEYtQ1ZYOUtucktnYWhXbFBNOHcyUQ?oc=5) · VISTA.Today
- 2025-04-18 [Bank’s EITC donation benefits Penn College Dual Enrollment - The Pennsylvania State University](https://news.google.com/rss/articles/CBMiowFBVV95cUxOcHNfLWkyMUkxTXVqSVd1Z19PRnN2a3pncUZEOHNNWTcxNGVzOGZJdkVxZkJDVHgyVFhQNDJ1MnlpVWpubnFiM0ZWLWtKaEN1YUhGRlZ3MU56ZnI0eW9JNWtjSzhveGgyRWtQUEcyYXc4cnVFUThhMUZWTl82TjEwNFg4YkZfb3hpQk9oUGpJMndvdU9Lc0lWLVo4ZXRyZnFxRGI4?oc=5) · The Pennsylvania State University
- 2024-12-29 [Police: Woman defrauds bank out of $4,900 - NorthcentralPA.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOS0lVWFBkVmRRSzdNdERwQ3U5RGhHMGlyS3RRQkdMYl9lZ1owSHlfS1JkSEt6bGNvZkt6WlYtUUpRSkcyOUg4UlF4WVJFZFZsUFdZN0ZaR0xsQ1hDZDRkTVJiLXh2UG5QcHFraVBXQ3RNUUFOX1hCX3pTX1k3MHJyUkNJWHc5ZU5LMWJlN3JETUVqVGFpMlJKM2cwSEJDTDhyYTVNRTI4UTZiUVhhdjQtdmVfTUFZcnJsa2FGYlh4dldDdGdvRHlGZ01jRQ?oc=5) · NorthcentralPA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8421 (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/37.json (key "8421", 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