# SUPERIOR BANK
BIRMINGHAM, AL · FDIC certificate 17750 · asset band $1-10B · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $2.98B | |
| Deposits | $2.74B | |
| Loans and leases | $2.17B | |
| Total equity | $-15.4M | |
| Loans / deposits | 76.54% (p43 of band) | 79.40% |
| Liquid assets / assets | 20.22% (p23 of band) | |
| Uninsured deposits / deposits | 8.28% (p25 of band) | 17.70% |
| Brokered deposits | 2.99% | |
| Wholesale funding | 10.75% (p54 of band) | |
| FHLB advances / assets | 6.33% | |
| Tier 1 leverage | -0.76% (p0 of band) | 9.08% |
| Unrealized securities loss / equity | – | 1.08% |
| AOCI / equity | – | |
| ROA (annualized) | -4.72% (p2 of band) | 0.68% |
| Net interest margin | 3.45% (p38 of band) | 3.63% |
| Efficiency ratio | 131.38% (p98 of band) | |
| Noncurrent loans | 13.93% (p96 of band) | 2.65% |
| Net charge-offs (annualized) | 1.98% (p92 of band) | |
| Reserve coverage of noncurrent | 24.83% | |
| Real estate % of loans | 91% | |
| Construction % of loans | – | |
| Auto loans | $18.9M (0.87% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 772 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |

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

- 2011-07-24 [Sam Tortorici joins Superior Bank in Birmingham as chief executive officer - AL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSTEtc3AyVGtlalVLaEZ3WDNPNHdZQVZnODliT0xXbV82ZlBQR1kzazBoZy1MRHN2b1g4WlFEaC1Rc0NGUE1QU3ZqZWlncV9SQk9DazNZX2dOVDd2Y2FlYllnM3E4aWc3MG0wdC1qamNhXzNVdmROTTU3RVZXQzAtNA?oc=5) · AL.com
- 2016-01-14 [Ex-CFO, Others Charged in Superior Bank Fraud - CFO.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMnhFaG5GZ1RYbzRDNHhnQ0xNT2JGeHNHdkdqNnQ5VGItWVpnclloXzJDRU5sUWxZTS0tMU92Qm8tbEV6SG5ZS1I4eUZwZ3NTbWJaU0xGUVE5RFVSa3YyQXd4Q1pPRkllNnVZQzFITE9IQXNsUGdPT0MzLXNPcmlBUEgwRQ?oc=5) · CFO.com
- 2010-04-22 [Search on for two Childersburg bank robbers - WBRC](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdlpSbDltY1dWdnZZck9xMk5Id1RWNF9hUWFVd1c3aHBEUF82QlQ0MDBhM1F3c1RNOVd5aHBiRmI4QU9ZU1A0NUNIc3NfUjhTSDI5WU1KbXFmZHhwTElNVHZndkNBMnN3c08yNUo5ZVdBTHVJS0ItT1FvdHNINTVyR2puYUlSLW_SAZoBQVVfeXFMTzN4clBjYzJUNE1EVFJ5VUliR253X1ZiUGtDX0syd1p6aTZ3eENJS21LdEpDdHEtZzBnOWxOVXRRTzM1NXFPWFJIQW9OT2Y0ZFh2UDZ3bjd0bVVRcG1URnhwTnlGTHp6Uk41ZzBBV2ZpUlhURGZyNHFjREdQbmEtVlRFQkhaT010VlFUS2FkTGxmSmNCTUJxVnI3dw?oc=5) · WBRC
- 2019-06-12 [Late show stealer: Superior National Bank-Stanton wins with walk off hit - - The Mining Gazette](https://news.google.com/rss/articles/CBMiygFBVV95cUxPWjJYN2hVZU9aNjByUlVYTEVDNnlNRWpXQ3BYd00ya3hWaEVUUTV0RGM5U1JVQ3VXa056NmQyODlxQ3hscngtRnZudlVqMGhnRGlLMGJtX0tRSl9BLTNJTTZTZnlabjJ3aDd5TkltUFBKTjZlTVBWRUJzcC01UEVSWkxMemYyUjBOTVoxT3RzeEprZ3NXQjA1bnJ4OVpvdHk3WWhzd0NIRW5NZFZIZERsN1dGNnc1TGhSaW1xRmFCWFJieXA1Yl9PQnln?oc=5) · The Mining Gazette
- 2012-08-02 [Cadence Bank moves to Concord Center - AL.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1iRGl1ZE5RMFpHNEFKVGM4NVpCOWgyRTNZQ2tBRkdzUVVlcjNwX0JsbVR5SEpMbmUzcjJibTd3RDJTYmswRW9US05WR3BGREptMERUOVBuOXdRS3RoQWFWRFBkTElWeEw5Mzc0TkJLaFktalpKMW1fQ0ZwS0NMUm8?oc=5) · AL.com
- 2012-09-26 [Five questions with Richard Murray, CEO of National Bank of Commerce - AL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQR2RwSXBiV3FUT044MGZITVNjSEV1QkRnNWxJSGozSU9NRldfUzBoMjdCYWVSZGJmeGxaRk5ubU9acmFRN3VPVVBVSEotd2FHaGpUTTU4c082cERxVXlmczFKS0RoaG1MWUVMS0Z5c3B3NVVfek53Z0RUaVhYZmNyQg?oc=5) · AL.com
- 2010-04-22 [FBI, Childersburg police investigate bank robbery - AL.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE93Q2RxZ29jU2NSbWVUenpRTHduNi1fT0xxaG9TLW5TelA1cG5za0dVR0NjNmNPMGY3N08xTWNheW0zaHFEMWJ6U0MyOFpRMVJMU2Y0MXRvRU9FVmZCQnIzMnZrT3VzbFZDa1ZJVmY3ZXNNSjFJdnRzbUZ5WQ?oc=5) · AL.com
- 2011-04-08 [BancorpSouth adds 23 from Superior Bank to mortgage operation - AL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQLW5xdnhxV2dTUmhBVm1mWUQ2UDJFOWVYQWI4c2swSVZmaGExRUtydnNQa0lJOXBBN2FENDgtOHctU3FBNGZzYmpNN2ZKTFJlY3J0R05fbHlNUy03c2ZLaW9ENW5JSXRORmtxcHp1MkNfX3dCTkN1TmFQME5kcG04Mw?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17750 (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/22.json (key "17750", 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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