# BANK OF BELLE GLADE
BELLE GLADE, FL · FDIC certificate 18930 · asset band <$300M · latest filing 2026-06 · live

**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 | $160.1M | |
| Deposits | $145.4M | |
| Loans and leases | $68.5M | |
| Total equity | $13.6M | |
| Loans / deposits | 46.79% (p17 of band) | 73.59% |
| Liquid assets / assets | 56.41% (p84 of band) | |
| Uninsured deposits / deposits | 53.00% (p98 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -28.94% (p14 of band) | -6.57% |
| AOCI / equity | -0.15% (p61 of band) | |
| ROA (annualized) | 1.06% (p43 of band) | 1.17% |
| Net interest margin | 3.39% (p25 of band) | 3.93% |
| Efficiency ratio | 59.26% (p33 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 | 94% | |
| Construction % of loans | 15.59% (p47 of band) | |
| Auto loans | $227,000 (0.33% of loans; DQ 1.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | NIM <2.5% |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | deposits shrinking, assets shrinking |  |
| 2014-09 | 2 |  | assets shrinking |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 0 |  | NIM <2.5%, capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, assets shrinking |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 1 |  | expense ratio p90, capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-06 | 4 | uninsured deposits >50%, AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 |  | uninsured deposits >50% |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | deposits shrinking, assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | deposits shrinking, assets shrinking |  |
| 2026-06 | 2 |  | securities losses >30% of equity, assets shrinking |

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

- 2019-11-06 [Belle Glade Chamber of Commerce names Steve Prielozny “Citizen of the Year” - Lake Okeechobee News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNY3d4MFlINmZNQU9RYm1RTnE5aDBGRkRVQnBBME52RUxhQXVHcjVCUElOZk9FNG9Dc2Uwem5GMGlEM3M3LWJab3pKbGpNSGowalZ0ZWk3b3dTQ3lLNFNpR2hwaHFiNVhJcnRpa2xXekRyMENyc3FSTVc4QjhOVVE4VXNfSHZZYndUZUJXckdsVkhCcUIydmZyUGJJdmJRRjJtNXZITDBiWi03MTZs?oc=5) · Lake Okeechobee News
- 2017-03-13 [NEW: Belle Glade bank teller reportedly stole from elderly customers - The Palm Beach Post](https://news.google.com/rss/articles/CBMingFBVV95cUxNczU2cVlXRDIxRk9mS29MWkp4TjVhM3lrSE5YclRjZElvNlZOVHVaRVZOSWJxaTNLdHUwdjlaejg5cDJ5ZkxxNlNCM0VmZVBibk1iMXN1LUV5bFNNSElJeWJyLUg5bXAzSGRPQ1FKMUU1VEo2VGhBcnhDSEdVZ2l2enRoMElKUUVwT2VtMEZ4R05KRHF1bDJjMjlTclQ2Zw?oc=5) · The Palm Beach Post
- 2024-04-22 [Influential Board Members Committed to Empowering Vulnerable Families to Thrive - The Boca Raton Tribune](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNNWxmem1RSzJEZ3JVZ200TDQxYkhWRVRuVDl6MDVwSGlFSjhGVlpCTUp5NmRxbGt4NHJWdVRYVXZVQk1HRzRMS3k1VXhhOHZJVmkybnZRRFZmUE85Y2p1SW1BalNNWm9XT1BOdTFTOVNPVW1jOWhsbmZJbTZpVEx3N0FFRFctTEZHTkNkeW8tNlFybVVvVGxnZGJUZmdCcFV5MzZMQzVMU21QaEF0ZjY1X09oV0dXdVY3NERieWJXTm1JaHlaUVFPVWZDV0dBRXVl?oc=5) · The Boca Raton Tribune
- 2024-11-27 [Dennis Wedgworth Family Named Farm Family Of The Year - Town-Crier Newspaper](https://news.google.com/rss/articles/CBMixgFBVV95cUxPc0wzUVBHc18xYUhTT0ZoQVBVcXp5Wm0wMUN1N0tVZk5YeXZwN0REelkwRE9WMGNTeFQ3OHFXRlJ4bXJzVEFNUUdJX0E4SGxZZlVuRHZPUk1sWURLSjFEcktMLXgtUF81MWlyU0p3Y21SSHFrRmE4UDBoWFpBZFByVnpaLTNnSTBubjZrUDFMcUJ0OElteW9qYU8zVkJyM0ZGbUQzN3RHQy1RVGZSX19HVDg4OFQyQUFTbnIwUDMzV3NYQkJLWUE?oc=5) · Town-Crier Newspaper
- 2021-06-10 [Glades motel owner should owe thousands for false statement on CARES application, county IG says - The Palm Beach Post](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNdWhkS1FidmpJbEljRXIxVHNEQlRtNnZtSHBxc1F4SkhQTk5La3luZ2lIeUtRUF9fRHM0UVVSRlU5SGFPRzdGZUN1aHFERkpIY1YtSWpxQkZId1pLSWNqWkloaVRDbGRCT0I2S2pIWGd3SW5aRkQ0bFBQQWl0QVdtbTJ4WnZPOGk3VnZ3c0tUZWpsRGVzSHB6ajdDSnozWlBHLTJicGpGMVBlM0dDV1RfVTFSb21FZXhrUzBEZE9CR2tIUHRuWUNSSXVGSlJIM1RweFpOaA?oc=5) · The Palm Beach Post
- 2023-07-16 [William E. Carlson | Obituaries - Mid Florida Newspapers](https://news.google.com/rss/articles/CBMizwFBVV95cUxPMEY4cWFCNklROUdiWFFhZHZhUXgxNG04UTJpOHJUcUV6WmN1RlBZaWdEVDZTMU9ReDRoSGw1WnBITkl6MUNNeWFKY0RyWUN5d1hycGZmUmRIZlBWQXUxWHNxaFhhcEJfQ2lLVWJCYTI1RGplRy0tcE1XTWNJbjA3Vk5Yc2RaRnRmWmExSWNEVDFlQ0JnbDlvQkx6Z2ZNSVU3aGRFd2pmOVBQWkhYbFVVa3p4bEpVOEoyU19tQmlTYjFyeXMwU1VvWk5mdnVGRFE?oc=5) · Mid Florida Newspapers
- 2024-03-26 [Torry Island BBQ Showdown raises $61,000 for Glades Historical Society - Lake Okeechobee News](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSHZHdVAydDlWbFI0Y1prazZZcE40QUt3TTFYNDdjVDZnaU5rNmNuNG1QSEpQUVpmbWFvVEJ6NmJVWDJCWk02ZFFlUGtHTHZtaWJQUE9kMXhLZ1A2Z1h2UzFzZkR4ajdhZ2VTSkZFVmFBeXpOekpkWWtjNlBncXZvN0ZhS0E2STNSYnBfWXRLOUdwdE1oWDdfOFo4bktPSkVMNzg5Q29IWQ?oc=5) · Lake Okeechobee News
- 2015-02-08 [How much does your banker make? - The Palm Beach Post](https://news.google.com/rss/articles/CBMimAFBVV95cUxPOHFrWjFnUS1IUG92Y0szci05MnpXdEdsYzJXakpYd1dRUkRuUGczbG5Jcm5qbnFjUlFYYkJyRVhRaUVqblBqRkxQbG9zSDY1b2t2b1N0MGVDWjlfLURkLUFSa3FpQzluQ0VyMi1zbWRYUUNSXzJLM0VJc2tJeUMxeGRaWXgxUkdUTDZFbWRLUmJYS3E1OEFWSg?oc=5) · The Palm Beach Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18930 (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/50.json (key "18930", 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