# CITIZENS BANK OF FLORIDA
OVIEDO, FL · FDIC certificate 16442 · asset band $300M-1B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $495.6M | |
| Deposits | $453.6M | |
| Loans and leases | $266.5M | |
| Total equity | $37.7M | |
| Loans / deposits | 57.91% (p31 of band) | 67.37% |
| Liquid assets / assets | 43.00% (p66 of band) | |
| Uninsured deposits / deposits | 43.40% (p88 of band) | 27.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.22% (p13 of band) | 9.71% |
| Unrealized securities loss / equity | -15.66% (p37 of band) | -11.40% |
| AOCI / equity | -9.83% (p44 of band) | |
| ROA (annualized) | 0.72% (p32 of band) | 0.94% |
| Net interest margin | 2.60% (p19 of band) | 3.10% |
| Efficiency ratio | 63.74% (p40 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.29% |
| Net charge-offs (annualized) | -0.01% (p26 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 56.48% (p62 of band) | |
| Auto loans | $1.2M (0.44% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 65 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | reserve under noncurrent |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 | reserve under noncurrent | capital falling |
| 2012-03 | 3 |  | losing money, reserve under noncurrent |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 2 | reserve under noncurrent | brokered >10% |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 3 | losing money, charge-offs p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 | brokered >10% | reserve under noncurrent, losing money, charge-offs p90 |
| 2014-06 | 0 |  | brokered >10% |
| 2014-09 | 2 | brokered >10%, capital falling |  |
| 2014-12 | 1 |  | brokered >10% |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |

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

- 2021-08-19 [FAIRWINDS Credit Union Announces Acquisition of Citizens Bank of Florida - Yahoo Finance](https://news.google.com/rss/articles/CBMilAFBVV95cUxQcHFGbHdlMTVYRE1mRnRTdlhpTVlueU5OQ1pSOVJuS1lUbmVlTExUblEyLWoxSG9jNUowWEVNa1RqYzhfSXFUQUxKQmRzRWRXaXRIeWtjWXNxLW5nYzY1N1ZDQW9QSXlRY1p0RVlvck1BMG9BRGdGQV80dUpLWFdFLTA5UW9vUUs2ZlBQck5Ha2dvVl9k?oc=5) · Yahoo Finance
- 2021-12-24 [2021 Big Deals - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPOHNLWGRtRjdHZ3BZS0VfcUQ5NmNxTWVKZEpaZWVGMHZRd1ExOWtzOXZUMEQ5UVphRWtkS1FFSVU4aVZYMFZWaDljenNfOHE1dVY2NnVMOEFsUkZtNEliYUZkWVNkZUtaZ2x3VzF2a3NEMEx6NVJael9MbThQUWZSTEt4NFlOeHhaUTMyNkMwbDd4amJhZUY4cGUxR1NBcXh3aWd2Wg?oc=5) · The Business Journals
- 2022-04-20 [Fairwinds Credit Union’s COO forecasts more growth ahead - Florida Trend](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZ1hiOTdSbk5tRE9mRVkxUW1Ga0VoQ0tqMEJtWUFOZTJuYmNiV1dmLS1XWDM5V2FzRXdFSjdId1FPb0o5UmVOZzZ2OVAwWmFuSFV2ZWlwTFQtRGZvMGFFankwWkw3ajNmczBhVlkzY3g3Rkl4U2xLaWJ0cjV0Y0I1QmFja09QUjF0a09WSTRpMEZUaGdsX1dIS292dXRtNERB?oc=5) · Florida Trend
- 2018-03-02 [Oviedo Campus renamed in honor of the late Robert and Jane Lee - seminolestate.edu](https://news.google.com/rss/articles/CBMitAFBVV95cUxNQWxrTTJScXBhMVBocnJhejNUWDItRXRiQ2k1Sl9mS0FLSkxrdXpsaktQd01RQ0Y3Q3NCTlhxZ0oxMVRVaFN1UlJMTVlSVVhhNTB4MkoxRDh1Nll5cE5MaGVmaHU3LVh1MzBETEtuc1Q3cl9LVkYwM041Z09US2FRdG1rbmdfUFZwUy0xZVdnWTBESU5QVzBYb1RmV3pTdXlEbGRFU05MOFdpMFJiTG9GakZySzM?oc=5) · seminolestate.edu
- 2024-05-02 [Seminole State awards more than 2,600 credentials at spring commencement - seminolestate.edu](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPdVg1LVVxakpiTFhpSnpQOUFKbFZJcjF3WmpxcjdKT0Q1N28yclJqM2l2b2UxU2h1SkVCTjFqVDRjMWVvQjFORHJsY2NURWVvRUhRZEFJNnpjTkg1bWJZc3BaZlU5cXllcUtYY25qbDd0WjdvT3Y2TjlmWkRxRDYyRXliQUdKRXpqc1hNbFNtR2xRSWFjaGl3RE1PU2ZoOGFJbk0tN0dMMkktVWhHeEotczBQU3R1bDlDRUF0QUYyVk1Hdw?oc=5) · seminolestate.edu
- 2020-01-02 [New Orlando businesses for week of Nov. 17 - Orlando Sentinel](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWWNpOHJMSnZ5Y1dzWDU3X1lGM0xYUXlQVUxJQTMtdndIWmM2NWtKc19Hb1FDQkNVc3JPT3E4SzE2dl9IUlN2RU54dmtRUC02U3JHRnJVbVBZZFVWU2pFTWJNZkdxdHFsMEF3M1VpMFgwUDUzZUh2emVZOWNldTduUUsxUkxoWnNvVWJzMXVB?oc=5) · Orlando Sentinel
- 2022-07-31 [Marc Koska, the inventor of single-use syringes, expands focus to prefilled injection devices - Florida Trend](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPQkJOZUo2ejQ2eHlnX0Y5RUh1Qm83NW95aWJycjlReVpqa3BjZ0p2OWZHX3hwd2dDX1lqcnh2YzNzeWhya3Rkb05SYUdxNVlUNkRxMm53QjNMUXJHa2UtWTJQc2NQZ1U3czNGXzc4SldfTEs4bEpSeGFFT0xkQm1ZLXRYREhPN3R5cWRDVkVneXk4TjNsRktpbDhJUzFYdHY3aENJWTd5QlFBQzE4Z1dmdGFGTTZNQlFvTTlycFdGeFhFOEpGSFl1TDJTTkI2ZHhS?oc=5) · Florida Trend

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16442 (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/58.json (key "16442", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide