# STONEHAM SAVINGS BANK
STONEHAM, MA · FDIC certificate 90286 · asset band $300M-1B · latest filing 2013-09 · 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 | $328.4M | |
| Deposits | $254.6M | |
| Loans and leases | $179.5M | |
| Total equity | $33.1M | |
| Loans / deposits | 70.35% (p35 of band) | 77.22% |
| Liquid assets / assets | 36.37% (p68 of band) | |
| Uninsured deposits / deposits | 5.88% (p7 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.01% (p75 of band) | |
| FHLB advances / assets | 11.01% | |
| Tier 1 leverage | 8.41% (p15 of band) | 9.97% |
| Unrealized securities loss / equity | -10.57% (p8 of band) | -0.65% |
| AOCI / equity | -4.32% (p38 of band) | |
| ROA (annualized) | 0.30% (p11 of band) | 0.83% |
| Net interest margin | 3.20% (p26 of band) | 3.56% |
| Efficiency ratio | 81.97% (p81 of band) | |
| Noncurrent loans | 1.45% (p54 of band) | 1.31% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 13.55% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 8.34% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 5 | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90 |
| 2012-06 | 2 |  | NIM <2.5%, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 |  | deposits shrinking |
| 2012-12 | 4 | expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2013-06 | 1 |  | expense ratio p90 |
| 2013-09 | 1 |  |  |

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

- 2012-02-15 [Stoneham Savings Bank, Salem Five merger is finalized - Wicked Local](https://news.google.com/rss/articles/CBMipgFBVV95cUxNQU1yc0FtSWhUUVVTQ1Q0MzJVdE1sUFZjRUIyc2k5YVBIQ2VkWlpsa05YTk1zWHJXTVpubTMwdlNpd3lXYTAtZ3RHS0dycWpZWkx3NE8zd19zdFB4Y2Y5NGs0QUhITmdTcUJHMFpEV0RicGUybDUyemU3X20tMlNoNERkU1Y3LTNTSS14RklIcFk4ZU1mWDBOV1VPbDJuYlBsa3E1TlNn?oc=5) · Wicked Local
- 2009-03-18 [FBI Asks Public for Help in Locating Armed Robber - fbi.gov](https://news.google.com/rss/articles/CBMia0FVX3lxTFBwdzljYjR5Z0NvVWZwYU5lUm9qMml5SHVXaDcyV1VKZjdPTWRTWkhaVmlfa0htcXdQSUxIZkdjVHBpUVNQNDlIOUVyZUVFXzgtUDBBUHE1QWpUNG45SjR6Yl84QnpPUHZJWlRV?oc=5) · fbi.gov
- 2011-01-07 [Stoneham Savings Bank Employees Give Generously to Bread of Life - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQ0ZQMXNSdXRTYm4yR1pHSEt0ZkRpaThRM1VVMnE1ZUdURk5lMk5ZNllENThMMmFfMjRfZURSLXVVX0FOZ0ZxR1FpeUl4TktwdzE0dVdRVHZrLVM4ZkZuTjRlWVktY0FWaEpfdkJZenJDRFlhLVF1WU5mX2dMTTNBRWV3R3hjU2RlX3c1N01UZl9PX3dWU09LeV9oaU5sLW1UWlUwRg?oc=5) · Patch
- 2026-08-14 [Joseph Cioni Obituary - Enterprise News](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1GVmljRklKaTM0emJDUGx2akNrSGNEXy1Bb3FMTWRYdTZpenpqN3VBTjVxNjE5cDBrLWZsTXpacHRJT3BSNE1GWl9xdWY3M2JKbndSTTRld283U0pvNTlWOFdUQQ?oc=5) · Enterprise News
- 2013-06-21 [Ruth M. Angelosanto Obituary Jun 21, 2013 - Barile Family Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTFAxaUMwZm9YM0Z0LU9YZmlNSHhnRWlNMExLdFg3Y1Vyb3ZfazFVdjBFQzJnd05GN0xaTzRnY05ENFFabF9ZcmZhWV9UVC1zYmlPS1V0V2l6cjVVYlVN?oc=5) · Barile Family Funeral Homes
- 2001-04-12 [New England Heritage to be Acquired by Stoneham Savings Bank - Insurance Journal](https://news.google.com/rss/articles/CBMicEFVX3lxTE5SN0sxQkZRR0hOU3lYX2hWRml6LWpiTDQ0MzBiVExpM0dxN19OaENNR1RIVG11UlBtLUhjSzA5QVlGOHZ2UmRDMnhONktERUFvM2VuWExud290YTNCRmxObUNZZnp6RlI3MEtnaFFVbnc?oc=5) · Insurance Journal
- 2011-01-09 [Ernest Angelosanto Obituary Jan 9, 2011 - mcdonaldfs.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5Kb1ZVS2w1dHNIY0QzMTNfV0ZJQWFqb3lpdW9vLUVfX09XZDRBZDN5dWVvZ0w4djVNdWt6dlozTm5ibHlvUktCbG9FczVXckQ5S2ptQTVGemhpRmRYek05VHMxV3UyalE?oc=5) · mcdonaldfs.com
- 2013-09-25 [Middlesex Federal Savings Hires New Vice President - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxNTmR2ZEQzakZvZ2VxM0JidWRvUTdQUGRoejFocXI0LVpUNXpnY1hyNmthMkpFSTgwTEdRY1ROQVN1ZmJKOHBXVFVFcmNFSkdCRllOVkpUb2ZkbEM3ZWFaWHE3QkFvVDdpUG5TTE9ncmgxQ1V0Vl9tOWk1SExyMzJYMi03aEZMWDdKNXU4b3c5VkoxWUlxT2paZQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90286 (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/46.json (key "90286", 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