# WARRINGTON BANK
PENSACOLA, FL · FDIC certificate 17193 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $173.9M | |
| Deposits | $145.0M | |
| Loans and leases | $55.0M | |
| Total equity | $28.9M | |
| Loans / deposits | 37.54% (p10 of band) | 73.59% |
| Liquid assets / assets | 67.65% (p93 of band) | |
| Uninsured deposits / deposits | 25.71% (p71 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.72% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -6.91% (p49 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.68% (p24 of band) | 1.17% |
| Net interest margin | 3.07% (p14 of band) | 3.93% |
| Efficiency ratio | 71.65% (p64 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 95% | |
| Construction % of loans | 24.90% (p59 of band) | |
| Auto loans | $50,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking | capital falling |
| 2013-06 | 2 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-09 | 1 | capital falling | losing money, expense ratio p90 |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 2 | NIM <2.5% | reserve under noncurrent |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | expense ratio p90 |  |
| 2017-12 | 1 |  | expense ratio p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  | capital falling, assets shrinking |
| 2019-03 | 0 |  | NIM <2.5%, deposits shrinking, uninsured deposits leaving |
| 2019-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | capital falling, expense ratio p90 |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 4 | losing money, uninsured deposits leaving |  |
| 2022-06 | 3 |  | uninsured deposits leaving |
| 2022-09 | 4 | capital falling, securities losses >30% of equity | losing money |
| 2022-12 | 3 |  | expense ratio p90 |
| 2023-03 | 1 |  | capital falling, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity, deposits shrinking, assets shrinking |  |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 3 |  | assets shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | assets shrinking | uninsured deposits leaving |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | NIM <2.5%, deposits shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 0 |  | assets shrinking, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2021-08-10 [Deputies: Man pistol-whips employee in robbing Escambia County bank - WEAR-TV](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZGEwWmlnZXNNQXUtSC1oY284OXBrNWVGSi1xTE1hb2JJekhVczRUa01Ra0JEc19hZ1FYcHFqOVVMcVc1aFIxcEZzb242VlhnVFFjVkhzMXk4bklLMDdrZVpvY0t6MGVwYUJhR2VuV2tTQ2lSelV3NDM2T29YSUxnX0pva1dhWDg1S2RMdWNMTTBVRk9VNnpR?oc=5) · WEAR-TV
- 2021-08-10 [ECSO: 'Armed and dangerous' suspect at-large after robbing Warrington Bank - Pensacola News Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQdHZsZWF0QWFld05GYWxjbDgwcDBQWkVfa2h0dWk2MWxNQWtWTDRvTmRpTllEaVVQX2ZpRlQySDhKemlsc0lnbzFRLU05R0xaYXRDblJCRktxLWtmY0VoMFFOOXpyekhhRExUdDY3dlc4V1lOcEEwQWFjV3lQT1lvT19ZR3hMdDVNWDk5ZWVjTEt6bnB3NDJpdE9fNUJpM0d2dTRURkgzQVRPZW92RUdKNGQwRGx1d1pjS2JZY2ZubFZjQQ?oc=5) · Pensacola News Journal
- 2012-02-15 [Five Flags Banks - Florida Trend](https://news.google.com/rss/articles/CBMiakFVX3lxTE4xRmhvWVp1bEVhMnc4MjgzajRJOGFMcWdlQ1BsS2x6NGZ4bnh6MS1yRjhRN3g5U2FZWGhZdndRcThtLWtTZXZPVTlsSkNFSjAwdlBaRjdLZF92Q1RadkRDOEZhRTk2RUEtU2c?oc=5) · Florida Trend
- 2024-06-13 [Cynthia Bowden Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNc3pOOFc0WjkxSVZNdUF5YmhQSW1XaWdIY0duWnN6WUNiUU5iZ2doSVVycU42S0xyWDdJbFZMNGdUOFV4UVd0SkVIVjBxb2RlbkRKRG9pOWV0NDdVZnJpNkVXR19ld3VMYUxkOW5SR0dlenNsRHNoU0N6N0tvbHlSS1pOWkdSUQ?oc=5) · Dignity Memorial
- 2021-08-24 [Deputies searching for man who robbed Escambia County bank - WEAR-TV](https://news.google.com/rss/articles/CBMikgFBVV95cUxNN2FVMW5CU3RZOVc4V0RDcDVrbUdldXZzalctZG1MTlZQOTRQU1NaUlJTek4yTXNxZkIwNGEyVlprWFJUbmptVG5jWmlpR2d2MnBMMU5JZ2Z1Q2t3SXA3eXQ2MHJ3bTlydTQwWXJLRm9jaHExTXNHQ2hQZm9mQ3RFZjRZMmxKVF9fNjZ1aDY5RU93dw?oc=5) · WEAR-TV
- 2026-07-14 [Cynthia Melanie Jernigan Obituary (2026) - Pensacola, FL - Faith Chapel Funeral Home and Crematory - South Chapel - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVFpNNUc2MEVzSkRqalk5Q1BIMzlTcDl4M0FBRHhSRWZndzlKNG8tOU9GY1ZVMXdnaUR2S0FTaTFVNGJCWU1SbW5ZVm1YNURJTkJuMENxcnR0NUY5Z3UzbG1vRndUZUV5X0hRanlHaDVfV1pFVjhyTW4xckQzdUJyU2p5YVFsZw?oc=5) · legacy.com
- 2023-05-14 [Ted Kilpatrick Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPc0tYNmRsNjJYZ1JEWFF6elJCLW9pTE83VUcwZmpDd3I5NWpQb19VMW16YkxWcW9wM2puSVVxSFpwNURfZXhXYUlDMm9NWnVTSm9PQklIZGdOV2I2blE4bV92UTYtMTlSaEVfV3EzWTJUaWFJbU41WU1lQktOb2ZyM3NieWhtQQ?oc=5) · Dignity Memorial
- 2017-05-20 [Richard Youd Obituary (2017) - Panama City, FL - Panama City News Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPSXB2VWxYZFJBMnhTYURKNWlGR09CZUk4bFp2QldZQTI2UHF0QmZSWVhsREt0Q0h4VWhPdjl2NXRRUlpranhEQ1ZrSUdBazY1YWd2RGFFeGxwWUJ2YnlveDJZNFNkZjF4U3Y0NFRHMFU4cE54eTF0SVNwZDhCVjdxMWJ0TVdBT1psdUIxLVVocw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17193 (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/41.json (key "17193", 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