# NEWBRIDGE BANK
GREENSBORO, NC · FDIC certificate 16799 · asset band $1-10B · latest filing 2015-12 · 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 | $2.81B | |
| Deposits | $1.95B | |
| Loans and leases | $2.10B | |
| Total equity | $292.3M | |
| Loans / deposits | 106.46% (p91 of band) | 87.49% |
| Liquid assets / assets | 18.19% (p34 of band) | |
| Uninsured deposits / deposits | 20.32% (p35 of band) | 25.18% |
| Brokered deposits | 9.19% | |
| Wholesale funding | 28.24% (p93 of band) | |
| FHLB advances / assets | 16.67% | |
| Tier 1 leverage | 9.48% (p44 of band) | 9.67% |
| Unrealized securities loss / equity | 1.98% (p81 of band) | 0.38% |
| AOCI / equity | -1.49% (p11 of band) | |
| ROA (annualized) | 0.63% (p19 of band) | 0.94% |
| Net interest margin | 3.72% (p67 of band) | 3.48% |
| Efficiency ratio | 73.96% (p79 of band) | |
| Noncurrent loans | 0.31% (p20 of band) | 0.68% |
| Net charge-offs (annualized) | 0.05% (p50 of band) | |
| Reserve coverage of noncurrent | 325.76% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 82.29% (p87 of band) | |
| Auto loans | $1.0M (0.05% of loans; DQ 0.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 484 | |

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | wholesale funding >15%, losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2012-12 | 2 |  | wholesale funding >15%, expense ratio p90 |
| 2013-03 | 0 |  | losing money, charge-offs p90 |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 2 | wholesale funding >15%, capital falling | deposits shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | brokered >10% | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | brokered >10% |
| 2014-12 | 2 | brokered >10% |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | loans exceed deposits |  |
| 2015-12 | 2 |  | brokered >10% |

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

- 2018-10-01 [Long-time Triad Financial Professional Yates Parker Joins Pinnacle Financial Partners - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMivwFBVV95cUxNQS10YXhFNFpOcUNVazgwTmN4NWtWa0xWZVNSWTRVRlFpZElCUjhQOTEzS2tGUXZpRGM2cHZVSVQyR2ZtNHJGWlpjZk5WSThYaHgtdF9HMGcySThPZmZ2YXVyWWd3TTdJMENZeEQ0N3BURFRnLUd1SWJvZUNDLUpjXzFNQlp5eWdQM012NnNQLXJ3eG50dkxYN29wUklyZ2FaNTdTbDhHdFJ2ZldjQ2dDXzJ1U081Rmk5UE50dEhEOA?oc=5) · Pinnacle Financial Partners
- 2016-04-06 [McCombie, Other Former NewBridge Execs Enter Market With Southern Bank - WilmingtonBiz](https://news.google.com/rss/articles/CBMi0gFBVV95cUxORVJSb1EwMG43X1dGOEZ2cWx0VWtpTXI0SHg5VXFzZDlZYkFYUVhFeFVrbGhtRWEzdm5KRUM2dDlIbHVZNHAzNnJDMl9vbk9COW5VZnhaMnpnRDdEc29TU2t3bWlDaFlZYmt4SEhBR3NxNUZHVEpROXowMWI1TTRQRGQ2ZEVtbFJXUzhkQTZRRHJuUUJMbmEydVprVGRQa3JRWGQyekVPUzFxLWhOMmVCWTFGMS0tcnk4SXhuSzBVVjNiR1cyNjgzS1pRTTRsT2dvb1E?oc=5) · WilmingtonBiz
- 2014-03-25 [Baseball Faces North Carolina A&T Tuesday at NewBridge Bank Park - uncgspartans.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE0yZzBQU0NjQTZNaTlPZWdwZ25na3RxeHZfaG9MTm10RTA1bVVBWkd1RHdkcjlCS2F2SkozdTFDSldKOVpGb0hnTS0tdVZ1YUlGMHhLaGk0QktVLTQ1VXZCUUdLQXI?oc=5) · uncgspartans.com
- 2015-01-02 [NewBridge Bank a top lender in U.S. Treasury small-business program - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUHNmSm9UVDd2MkRIeVYwRGg1TDVLMXVQb3pWTzdfTmdrNGh5UW0wRnh5QmFCQ0pPMUFTSE1Odk1OYWtRUWFuTVVmRURCa0ZQT1RXYlE4Y3BGN05tNXpHamFpRS1uNVBxMjFfTF95NUFwLVVKNTR5cFIyWTFZOTBBeTJ5TVZETFJPN05zV3NNVFlIQzZYcGV1Tndxb0VaVlFrS0ppWEF3?oc=5) · The Business Journals
- 2016-03-16 [FBI seeks serial bank robber - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWWpucVEyc0pZQUJqY0F4RHR4ZVpDeUNhSGFIdElqdzNibTRkS1o5VERNS1NiTDBhRDVSVFNHZDU2bUszdXFKOWV1YnhpX1BWV0lLdUZsRW5oLVBTdGdzWk9GMXZ1U1k1cWNpZmJtRm9GM0x0eTI5M0hCd2xQMFU1aEYxLUZDWl9oR21UTlBSRTYxQ0lYMEE?oc=5) · Knoxville News Sentinel
- 2018-08-03 [Man wanted in NewBridge Bank robbery in Greensboro - WXII](https://news.google.com/rss/articles/CBMikwFBVV95cUxOdktydFlRRVd0QmZZUU9fOUhLY19pYjU0WExfSGVhQWZ0NjV1UFNXQXM3RXkxRmN5eUlmQkN5ejVZQVpBTmFpc1M4ZktxRElCX05lZkM4a1pERXV6RWF6ejdjZG1lcXVFM01rTFdMUnljTVhJbUNmVVNRS3lYUEpjbDZkTTFrREFJUVVubnpPTWs5N1U?oc=5) · WXII
- 2013-06-21 [Live Oak Puts Down New Roots - WilmingtonBiz](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY3ZWeWpvQlh6NVZ4SHdwYWtURTZIQjVTdVZNNHZXQkZUMXhUTG1GV2FKY0hLM0E0V3lDaXFPbVU0ZkFMbGpnM3Voajh2ZUlPNGk0aHY2RlY1YkhXVTVENmJLM0RJQ2NjOWVITDNTSlF3SHBad1EzekpyUHdkNUNROVpnZmJja2lwUjlSUDctTWNRcERK?oc=5) · WilmingtonBiz
- 2016-08-01 ['Flip-Flop' Bandit Wanted In NC Bank Robberies Captured In GA - wfmynews2.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPV3lldFFwRERfSUNwak1GdzJvWTZfeW80YzZQdGM2R3dkVlkyaFN6NjdYRWhJYzBJUkpLRHlZcFVRZUtzT1oxT1I1TTZsWDNLY1JEQnllakhjb0Ftb2RxY3M2LTlNQ2pqa0VScUxzQ2RSdWNmRXFfWTJDOE0zalpkRGwzZkRvT0tYU01HeWtpaHhBV2oyUjhudmIxSHJzSU1PNThhTHlDZUJPMmNyS052cEpRRUg4Umd2?oc=5) · wfmynews2.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16799 (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/31.json (key "16799", 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