# BANK OF LANDISBURG
LANDISBURG, PA · FDIC certificate 90384 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $417.1M | |
| Deposits | $347.7M | |
| Loans and leases | $275.6M | |
| Total equity | $67.9M | |
| Loans / deposits | 78.34% (p42 of band) | 82.04% |
| Liquid assets / assets | 30.07% (p64 of band) | |
| Uninsured deposits / deposits | 14.27% (p11 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.97% (p94 of band) | 10.81% |
| Unrealized securities loss / equity | -6.86% (p54 of band) | -8.10% |
| AOCI / equity | -1.96% (p8 of band) | |
| ROA (annualized) | 1.72% (p76 of band) | 1.28% |
| Net interest margin | 3.91% (p50 of band) | 3.91% |
| Efficiency ratio | 46.07% (p12 of band) | |
| Noncurrent loans | 1.61% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 70.68% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 11.30% (p16 of band) | |
| Auto loans | $894,000 (0.32% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 48 | |

## Flags firing in the latest filing

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

## 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 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 1 |  | noncurrent p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | charge-offs p90 |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-05-11 [Community Banks Helping Customers Get Back on Track - philadelphiafed.org](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVzVMZS1DYm9lN3ZOaEwzWUszVW5NbTZYZjlYTlV2MHQ0dTljb2pmZ3FhQmROY2ZjeWtQdHRwbGlwZGxMaTNNSUN3eHU3Q0ZJQkgwOUhVdnFJMlFBOGtVeGRqSmV2SzFpNkloMGxXQnRiTFJVNGJKdFVad3R1bFJONEpUSjd0SEN3NmNabmVIRjlnR3RpQmdYX082YTExZ2E5Yk9wLUx2cC0tUXZkbWpIbzRiQWhrRlFPODk3ZlpHWTR1X2c?oc=5) · philadelphiafed.org
- 2012-12-16 [Harry Egolf Obituary (2012) - Landisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNGtOTElnVW9ESC1rWi0tYWJRVzlVZnBDc2ZfVVJLTTlkaS1jeGMzV2RBOVhyQ1dtVTBvTUxpaEd1Ym1CNDdVRVlxcWFNeGlMMnhSRjBnUE5JOTRsSnFEVVBiZWFES1o1eGZVTURwYW5ZbVVuVW5XamdydFc1ZFRsX1lrUDNFYXp5aU15Z1E0elM?oc=5) · PennLive.com
- 2024-05-13 [Beverly Bastardi Obituary - Harrisburg, PA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbzI2d09oRlFKT1dVaThqR2lmMEQ4enlaOS1Bem9naXZPUm5NSzdUaGhyVW1DdjFHQTNLTE5pYVhOV2FucmdkZl9PZGtrTGRVMXZGSDRYcWU3akFwc1VSb0tCTG14Tlk2TGFvTVpJcVZ6Y3h4RVJpT0JaYUdLbzd2cGh5WDBFNjNabHc?oc=5) · Dignity Memorial
- 2022-01-14 [Blaine Morrison Obituary (1925 - 2015) - Landisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSXo1bjJDSjJiUzlXWUJKbEdsWXIyS3hWVUtzc3ltekxuaUJXSS1WcTZrcHdCSXNObXdkRE5LTzR4OHpLX0FsZnJDQ0lQb3B2OXlnTlRsNm16RmhRZF9fTVhob3BHLUFJdGk3UWJlVjNxU1gwOUh4OTFiMkhJcFAxLWZpQUpPWE80Nnp4UWltaHhIQTBTalE?oc=5) · PennLive.com
- 2011-03-11 [Christina Clouse Obituary (2011) - Carlisle, PA - Carlisle Sentinel - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxORnRoNS0xVlhEZGZPeEx4a2hiTGUzUnFZNmhkcUZqdVVIeF8xSGR6QUVNNzZ2dVdLT09WX01jZUVjcmZDTUpjaXpsWWpjR1ZRNWUwSlpRdHN5aDlCbXQ4d2NzVlRqMFVaR0RmTUpkczBWdXV1emtDWUNuZXlaOHlReUlCSzZaazVIVFJHNmNKeHF3elB1?oc=5) · legacy.com
- 2024-09-12 [Adam Williams Obituary (2024) - Landisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbjRLUkJXRzgzN0tEc20zdlpUZjgwWUZYQWhETGZjUWlmYTNhN2pRM0c2Vkd0VnV0MVVIRUFPbFFzQW1qQVZLcnBPeEx1ZWczaWdWLTRtT04zTU5CWnZUa2RuUDFyalFxaTl2ZXZPVm5PRlB1ZkxoTnNockZQR2VyN1lXaVJPeEFXektLdG9VQnpwTkk?oc=5) · PennLive.com
- 2013-04-23 [Ruth Ernest Obituary (2013) - Landisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxONV9HX3dwcmRTaXR5NzVtWHNiUXNLRzlib3hnUm1icHlUQ0ZDRURWMEtSenU2dDlwbG1DdGNhSmVueHh6RU1WUVA5a3laYXFFTkVyeEJjSVdfR0dWNGRoS2NkOFFFUVREX0ZiRzlfY0tuWHktZGhDak9oSXpkaEZScWNjM2RUMHVDZGh0TG15Vkc?oc=5) · PennLive.com
- 2024-10-24 [These 10 banks lead southcentral Pa. in deposits - PennLive.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQQXlBNWZWeFJOaFRDTTY5Q2FnTlA2bjRTR0d2YXhpT1BjTnNBa2lzZU5uZFF4MjZhNzk0UTdfUnNXY19CMjc1Z2hwQWU2LUhRTkJTWFVVeVpYNFpiRExtUzRQVTZDYkQtVmN5YmxDSk0tMXFGSEM4Qi13OWFFQjJ5WldqMXVoeGg2WEN0STZGRExUNm1zcVhCUVdR?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90384 (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/16.json (key "90384", 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