# HAMPDEN BANK
SPRINGFIELD, MA · FDIC certificate 90283 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $709.9M | |
| Deposits | $501.0M | |
| Loans and leases | $510.4M | |
| Total equity | $80.3M | |
| Loans / deposits | 100.73% (p90 of band) | 79.82% |
| Liquid assets / assets | 23.80% (p41 of band) | |
| Uninsured deposits / deposits | 21.27% (p57 of band) | 19.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.07% (p88 of band) | |
| FHLB advances / assets | 16.53% | |
| Tier 1 leverage | 11.39% (p72 of band) | 10.09% |
| Unrealized securities loss / equity | 1.51% (p46 of band) | 1.83% |
| AOCI / equity | 0.75% (p68 of band) | |
| ROA (annualized) | 0.67% (p32 of band) | 0.88% |
| Net interest margin | 3.12% (p21 of band) | 3.54% |
| Efficiency ratio | 66.21% (p40 of band) | |
| Noncurrent loans | 0.99% (p57 of band) | 0.85% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 114.60% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 50.76% (p67 of band) | |
| Auto loans | $4.3M (0.84% of loans; DQ 1.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 109 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | wholesale funding >15%, capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 0 |  | wholesale funding >15% |
| 2013-09 | 1 | wholesale funding >15% |  |
| 2013-12 | 3 | loans exceed deposits, capital falling |  |
| 2014-03 | 2 |  | loans exceed deposits |
| 2014-06 | 3 | loans exceed deposits |  |
| 2014-09 | 3 | reserve under noncurrent | capital falling |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |

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

- 2026-04-22 [Skylight’s the limit on rehab of 108-year-old former bank in Springfield - masslive.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQb1hBSnVXaV9vVmkyeWpMM0tfVEtRdGVEbFc3TUktbGRCdXNKSmNPZ2R6Q0hIUmlYRE1pRkhURU9nelRrWWZuRm1fVWtHRW00TFp4SkY3bmx4MEh0RVExSGg0MEcxX2pSMlJ2WkwzZGxXaU1fZnNibE9VcFVvbHpRQ1dmSWtFLWczMTh2eDhXYWZwM3BiVjdvYjdqUHpzbmYzY0F6dFRoX290aDRiSFp1YmZ0cWRrMHA1TVlOa0N3?oc=5) · masslive.com
- 2014-11-04 [Berkshire Bank, Mass. rival Hampden Bank merging - hartfordbusiness.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPN2tjc251LXhXNXlYS2dvVWRpOFA2aFZOSzhPZkpKa1d1eG5EQW1kcTBSNFlrZmpra2lRbWppbDBscHVCTzdLTnBwWHBibDBZdmJCOXF2TUJSSGl1OFhIUjY3amVMVzhISG5hUURwamZ4RFlvQ3M3dlFJQ2lDWnZFLXpVY1pjQlZTalRySg?oc=5) · hartfordbusiness.com
- 2026-01-21 [Berkshire Bank is now Beacon Bank: What customers need to know about the transition - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNTFAxOWtRVkgxNVdaNFc3OG9lTElCWnJqU01Fb19XRXRNSUVpdkhmdnZPNkNIejNrQWNBdkIxdktsaHVhRlVrN1ZWTlFWQTl0Q0tJdzhoT3JnY1Y3c0k2elJVSVdJbmVjR1ZLRklWVU1jQzhQUWs4OV83OG5tdHJXQ3F4UHNLQjJDeG54Uy14NGlhTWNNUGtOSEoyS3NudjZBZGlWUHNGNHI3RWp6THRIY0N0aEJpbnpKLW9kc1AxUGEtVnp4ZnZqcDktbVZUakI1SHNPWA?oc=5) · The Berkshire Eagle
- 2018-05-14 [Investors unveil New Valley Bank & Trust Co., 1st new Massachusetts bank since 2009 and only Springfield-based bank - masslive.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxONUVsS1MycmFrS0VWdVJhNjFaN3hIVWdFY3hkNnlGanJEZkpIeGM3V1Y4c09LWUdKVERoZ0NwX1hDNkNsR21iSW1NeUNmOFdmZzZna3F2dndvb3BKUlNuOWlFWXo4ekZmWExmSUZxWTdzeXR4T29IUnU4ek1iaHNSdUtDdUQ0YXp0SGNleWY4cmY5SkZXTDdsS3dFclk4WmFCRkNMbG5ETmhYUUo1?oc=5) · masslive.com
- 2005-12-15 [Winston Gaskins Obituary (2005) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOODB2TmVRWUdmQy0yNDFabnA1Tkh1ZzdtdTRLUXB3aVJFT3pyc09tYlhqSDFnMGRHcEhEa2tiYk1OWHRmMVZqZ3A1cTlpQjNPR2ZGOVpTWUpkRWdJLXNpWmR6SjNYRlczOTAwY1JoVV91MG5fRjBYTVl4U1UwVF9FXzVHbkJXZlQ1YVpUaThXd1NZX1BNT2xr?oc=5) · legacy.com
- 2016-04-05 [Chicopee Savings and Westfield Bank to merge, become largest bank headquartered in Hampden County - masslive.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE95M18ycUNCT2RVNGhqaUktWGtfY1hBOUp0MThHUDNZakRYVXNEUjd6NWYyZEwweFprYmFCVHZjTjJ3OV9TRlI4MENoWDdpRXVtMlFDUnI5Mm4yODhoaERwYmlDMEgxczkwVmZCMQ?oc=5) · masslive.com
- 2021-11-25 [Michelle Gardner Obituary (2015) - Hampden, MA - MassLive.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVjY1TXdrTFBvX0sxYVByalN6akRMYlpRLTYyazAtSi1oenVMT2tsUkhBQnppMGx3XzhydGRrMnh4ajl4LTNGZmwzWmE5SXFOMGZYNzFVTklRMEw5NVRaMUdqX3hkdXFqcmIxOWRET1lYRjRIU2ZCcEpPQkFrbjRNUE1rZHp3WXBOOW5yR1J6Wmx0NHBfeVlJ?oc=5) · MassLive.com
- 2015-04-28 [Nuvo Bank, last Springfield-based bank, acquired by Merchants Bank of Vermont - masslive.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZFpBLU96c0NlTXZVSWxfLW1yUGRPSHBrM1NzYVlLbWJ3UUQwQ1pRMlJzaS1oVDNyYURMZHRVYzB5SzAtUXhCUWFrd2RQaWVZWWdqa0dsU2RRbnMwb3BDei1hUHNmSkhaZWNqYUdQT2dNTDVOZkpQM045T1pZVXdnTzgtSDJRMVppcThtU0F3MEtaTFY0ZXpr?oc=5) · masslive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90283 (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 "90283", 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