# TALBOT BANK OF EASTON MD
EASTON, MD · FDIC certificate 1893 · asset band $300M-1B · latest filing 2016-06 · 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 | $602.5M | |
| Deposits | $524.1M | |
| Loans and leases | $445.4M | |
| Total equity | $71.4M | |
| Loans / deposits | 84.12% (p50 of band) | 83.96% |
| Liquid assets / assets | 23.90% (p48 of band) | |
| Uninsured deposits / deposits | 19.36% (p47 of band) | 19.94% |
| Brokered deposits | 2.57% | |
| Wholesale funding | 3.52% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p63 of band) | 10.13% |
| Unrealized securities loss / equity | 1.91% (p43 of band) | 2.47% |
| AOCI / equity | 1.13% (p51 of band) | |
| ROA (annualized) | 0.73% (p33 of band) | 0.92% |
| Net interest margin | 3.36% (p34 of band) | 3.59% |
| Efficiency ratio | 61.36% (p28 of band) | |
| Noncurrent loans | 2.83% (p94 of band) | 0.67% |
| Net charge-offs (annualized) | 0.19% (p89 of band) | |
| Reserve coverage of noncurrent | 35.80% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 47.88% (p60 of band) | |
| Auto loans | $253,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 76 | |

## 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 | 5 | brokered >10%, wholesale funding >15%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | charge-offs p90 |  |
| 2011-09 | 8 | capital falling, noncurrent p90 |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 8 |  |  |
| 2012-06 | 7 |  | capital falling |
| 2012-09 | 7 |  |  |
| 2012-12 | 8 | capital falling |  |
| 2013-03 | 7 | deposits shrinking, assets shrinking | brokered >10%, wholesale funding >15%, capital falling |
| 2013-06 | 7 |  |  |
| 2013-09 | 9 | leverage <7%, leverage <5% | noncurrent p90 |
| 2013-12 | 8 |  | construction >100% equity |
| 2014-03 | 6 | noncurrent p90 | losing money, leverage <5% |
| 2014-06 | 3 |  | deposits shrinking, assets shrinking, leverage <7% |
| 2014-09 | 2 |  | noncurrent p90 |
| 2014-12 | 3 | noncurrent p90 |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 2 |  | charge-offs p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1893 (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 "1893", 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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