# HARBOR COMMUNITY BANK
FORT PIERCE, FL · FDIC certificate 18149 · asset band $1-10B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $2.18B | |
| Deposits | $1.77B | |
| Loans and leases | $1.36B | |
| Total equity | $240.7M | |
| Loans / deposits | 76.00% (p23 of band) | 90.29% |
| Liquid assets / assets | 30.54% (p76 of band) | |
| Uninsured deposits / deposits | 27.93% (p55 of band) | 26.14% |
| Brokered deposits | 0.65% | |
| Wholesale funding | 7.92% (p41 of band) | |
| FHLB advances / assets | 7.24% | |
| Tier 1 leverage | 9.75% (p43 of band) | 9.96% |
| Unrealized securities loss / equity | -3.44% (p7 of band) | -0.71% |
| AOCI / equity | -0.26% (p17 of band) | |
| ROA (annualized) | 0.35% (p8 of band) | 0.92% |
| Net interest margin | 3.77% (p67 of band) | 3.55% |
| Efficiency ratio | 69.37% (p75 of band) | |
| Noncurrent loans | 2.10% (p94 of band) | 0.50% |
| Net charge-offs (annualized) | 0.12% (p77 of band) | |
| Reserve coverage of noncurrent | 29.92% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 62.68% (p70 of band) | |
| Auto loans | $14.9M (1.10% of loans; DQ 0.59%, NCO 0.00%) | |
| Loans to nondepository financials | $278,000 (0% of equity) (p75 of band) | |
| Deposits YoY | 18.0% | |
| Employees | 478 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | 2 |  |  |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 5 | losing money, expense ratio p90 |  |
| 2013-09 | 1 |  | capital falling, noncurrent p90, losing money, expense ratio p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 4 | capital falling, expense ratio p90 |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | expense ratio p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | capital falling, charge-offs p90 |
| 2017-12 | 2 |  |  |

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

- 2017-08-23 [CenterState Banks to acquire Fort Pierce-based Harbor Community Bank - Treasure Coast News](https://news.google.com/rss/articles/CBMiywFBVV95cUxNdVZUQ2FtclNSUnMzcnFGZ2c2Z2ZvZ0Q5RkJwTDFHX3ZIaGpaemsycmNDTTBZYTZ5SV9ITDhDVFpMWmRIX2xOLTBzeGJfYXZDTU56Q3UzXzNiS0J6aF85U2NiX0RXZ3VuRWlmUkZjRnBQWmZxbW9vQjhmTDBvTWZyaWJMZkg3XzdQYmtqUTFLQUk4Ty1BdkhwWnZpdmd3SFZ4aFFlRUxtOFpCXzFFRUxuQVZSRmVVTWlHeEpXaGphNGdjVm5JUU4yOVV4TQ?oc=5) · Treasure Coast News
- 2017-08-14 [CenterState Bank buys Harbor Community, Sunshine banks - Gainesville Sun](https://news.google.com/rss/articles/CBMivwFBVV95cUxQT0pOTm9nR1NRVGxYZnMyNDEtMTBxWXhZeTEwYXY0QTNuZHluVWpBSHN0bmh2b3NwMlFad2hLQXFrektyTHREclZBbXhmYXZBTmpzRzZ6UnBJVGYtSDV2RWtDS1ZSYlRGc2Z3RmxvdVowWHRsRmlXTUNjZVNQNDFJZkdneUF1NGlOaWVrc3FTamdyNHh1V05Fa2Y2S3Q1YzA0YVRkSUpNX25IUG1lYkhDdVFLRjVhVHR4T2ZOX1NNUQ?oc=5) · Gainesville Sun
- 2014-08-10 [Business Brief: Harbor Community Bank names new manager for South St. Augustine branch - St. Augustine Record](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPZXFBaVhYLXo1VG5NUmNxRndGMDgyaFlJa3ZGTm9sdzNmR0NzeFRDZzREMXVLbzZ2OFQ3RHF3cDUtQm5YYjNwbGZLMVJXc2Z6WGx5OVgxQUFpaXV3MG5Xb3NpYmtWeXJHdENkU2szSmxyOEVWT2pMYkJjODRnT0d1VERjYnlkQ3FhOHo5VE9ydUJac2EzLWVpTnVQWkZMV2Y5NTEtcV9WMDQwNlBqRnJmSDZBbmdXcGZIYkdZakhIZEFSbnNQVDJoN0RVUEx4SjFtLVRneGpKMA?oc=5) · St. Augustine Record
- 2019-06-12 [Kuhlman tapped as CenterState community president - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTGU4NHZodzdVVk1McnB1VWRMbXFEcnhDMnYwU2pNVGt5MDRYZlV3a3lCbkQtbGdqV2thS2VsY2g4amNhVmg0RW95NFA3b25LTTVHZzVpQVU5dWU0aV9mTWN2SVg2djJFcGExb1JnRWRFX2k0bGtDV1hFX0c4WDJsdl85QUZRNWQ1eDRiUjVqTGQwbFNmYnZEcHlWT0Z6ZXktVUdSWXhCTS1jYnpza09JdnNwdw?oc=5) · Sarasota Herald-Tribune
- 2014-09-16 [Popular Community Bank closes sale of Fla. operations - News is My Business](https://news.google.com/rss/articles/CBMiakFVX3lxTE5IbkxKOHoteGtyS2dzZHJjTkdNS2padjdTbS1vaHpVZTEzZzFTeVZ6UWpSWG1UZW5NVU0wc2NpWW1lNGZDNnhvUmJfRGljbEtFOGllZ19Dc0ZQWVZuQjllNFNtUi1hcFpSSEE?oc=5) · News is My Business
- 2017-01-27 [Jefferson Bank to merge into Harbor Community Bank - Treasure Coast News](https://news.google.com/rss/articles/CBMiugFBVV95cUxPUTg0WkZTX09jVVZUdUxLUl9jRDlDUkVCc3JUbmpxbk5xVEx5LWhpWEpKZWhPRmJmbTNKaW1uQmZHWjFERUp4Q29XZGVXVUNNZVA2bzdaV0o1QTZHSXdwRzE4YWdNQzNjZmNYOS12NWhjejl6ZDh0ZWo3azVNemhRZHlMNTNNQjY3b2c5a2tXaDlpSG5Md3dnb3p0ZTU4Z2k5YzNXbjZjdFBLVy1kUV82N0NXN1FYc0FVVUE?oc=5) · Treasure Coast News
- 2012-06-15 [Florida Office of Financial Regulation shuts down Putnam State Bank - St. Augustine Record](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSHNvdFJ4M2lPNEZ4QVlCb2E1Q3g4NGpTUi0xRUlJb1RBbFhGU2dsWHFhRUZxVExHNXFTZmNscGlqc1lESDFGTmtUVG0tcTVjcERxQmRYMy1PMDJTWFp1UjJqc1Q1RlQ5NTdVdTFzMU9YR3M1WHhwck5uS1BhenMzRC1MVFZTOHIxM01ZMDg1eElGcnlFM1RrSm95M2VxNzRlWmJiSg?oc=5) · St. Augustine Record
- 2017-01-23 [Harbor Community Bank of Fort Pierce buys Jefferson Bank of Oldsmar - Treasure Coast News](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdVlaeEppOXBSMWMzOGlXT0FVbTNDWEFLaXRtMU9lMFpqRTQtWmtKbzlsREdlYW5HNUNWaXlnQXZRSlZueEgwZzVOcUtQc0VUMXJGYmZKZVI4aWJCdjNTT3YzZzdOMV9vTVBjbndrQUtnR2pCVW0zSU1zNV9HY05qelVDQ21LZDIxa2FpM3pxTEE4VzIzN053NDhZTVhKeF9T?oc=5) · Treasure Coast News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18149 (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/37.json (key "18149", 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