# YADKIN BANK
STATESVILLE, NC · FDIC certificate 19861 · asset band $1-10B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $7.21B | |
| Deposits | $5.22B | |
| Loans and leases | $5.24B | |
| Total equity | $1.11B | |
| Loans / deposits | 100.02% (p79 of band) | 88.78% |
| Liquid assets / assets | 15.99% (p27 of band) | |
| Uninsured deposits / deposits | 12.55% (p15 of band) | 25.90% |
| Brokered deposits | 8.75% | |
| Wholesale funding | 20.14% (p83 of band) | |
| FHLB advances / assets | 11.31% | |
| Tier 1 leverage | 10.57% (p68 of band) | 9.87% |
| Unrealized securities loss / equity | -1.41% (p40 of band) | -0.94% |
| AOCI / equity | -0.56% (p51 of band) | |
| ROA (annualized) | 0.88% (p41 of band) | 0.96% |
| Net interest margin | 4.14% (p88 of band) | 3.47% |
| Efficiency ratio | 63.66% (p50 of band) | |
| Noncurrent loans | 0.93% (p72 of band) | 0.57% |
| Net charge-offs (annualized) | 0.09% (p70 of band) | |
| Reserve coverage of noncurrent | 28.67% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 66.35% (p75 of band) | |
| Auto loans | $13.9M (0.26% of loans; DQ 3.52%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 57.5% | |
| Employees | 1157 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | expense ratio p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | expense ratio p90 |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 5 |  |  |
| 2012-09 | 4 |  | construction >100% equity |
| 2012-12 | 4 | losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2013-03 | 2 | assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 3 | brokered >10% |  |
| 2016-06 | 4 | loans exceed deposits |  |
| 2016-09 | 3 |  | brokered >10% |
| 2016-12 | 3 |  |  |

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

- 2017-03-17 [F.N.B. Corporation Completes Merger With Yadkin Bank, Which Bought High Country Bank Years Ago - High Country Press](https://news.google.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?oc=5) · High Country Press
- 2014-09-18 [VantageSouth Becomes Yadkin Bank In Wilmington, Eastern N.C. - wilmingtonbiz.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPYUFpdGpDVTRiRklEMTZEVlB5OEJQemNkQTd0ZGJZeHA5Z0ZEakt0YzdXM0VEQUozYnhjTnU0dm1lbUJwWlZWajg4ZEZxTzR2LTY2TWJzLUVnVkpUcGpPVV94S1R5ZFVoLUVYaE5yQ2YzQXlpZ1NKVnVob08zX1FwSVpwYWhoeEdjdElwdnhqVGdvMEdzY0N0Z2dfSjN4akdjY0YzWmxBS2hDbDdGeDFhLV9Ed2ZBUUVmakR6QQ?oc=5) · wilmingtonbiz.com
- 2024-02-07 [Former Yadkin Bank CEO unaware of redlining accusation - Business North Carolina](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMWVoOVQyVjZtS1FmVVdVY2doVm9sandqUGhVeW5oZEJtUmxQTmtTYmd5TlFzckpVWjNjcDlkaGRBWW4taUpUT3M4dWxWdXA1VUFqUW1PNEExdWpIY3diMWtQbGZmX2d0QkhDS2xYWjN3XzV0Z0NvLVJXSnhXZHdkOWE3SGs?oc=5) · Business North Carolina
- 2017-03-17 [Former Yadkin Bank now First National - Salisbury Post](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTG0zTjZ4cTdqQzc5UkpyclI4R0JYMFhqcndPU2gxRlB4QXhXNFd2TVNiMFpGcjZlWm9fYlg1dmJDZHNiRzEwSGJHa29BZmg4TlRteV9IZW9JSzdWTFJrNGMwbnA1ektCcTZ6TVphcjFOSFZpZ05qaG9xT21FQzdtWW5XcHlHQQ?oc=5) · Salisbury Post
- 2024-02-05 [What is redlining? | First National Bank settles lawsuit that accuses them of discriminating against Black, Latino borrowers - ABC11 News](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQ3M1UUR2S0pvTXlZM19ySmJIb1AxaE10RDdQWHVxNXUwT3FySWh5eG0zdlpvUm1KeDcwN0NFYkhseXJiVXpQcnpiMm13NGRPUjNadUxmR3ZSdlZnY285YmZyRVlKRWlTUTNpOTQzcUhWdVcwdW1iRnRnWGJVZGdhNktydEdRNEhlNk90MFU5UDg3MFBJZ09mc01wTjlHcFdX0gGmAUFVX3lxTE1GeTVTcWp6b2NhaWVibU4yN0R4ODNEQmNsMlRidzJmSmlvNlo1WENxX2N0MlZDcWcyMUxPMWQ0WjVjdDFIQjhkWTI1cFllVVNUTGdraXMzZmt4N0JzQTRCZGtrUHFCX0JTRGNROFkzZWIxTnRtSVo3dlREZGp4SXhNQ0ZoM1hLcnJCWDhzMnZyTE9FR2M2UVZ1TFNVMXZVbl9RamNUbmc?oc=5) · ABC11 News
- 2018-07-26 [Veteran Raleigh bankers to start new bank in capital city - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZlQ1T3Y4N2x6Nzd6eWhKY29FSWw4UXlFUXNfOWd4TXNjZDdmMnc3aXpSX2syQUVBT3dGcEhVeWdBYVVXY09IV3U1MUl4WnBBYTQzUlVVR1cwaktuRXkxam1jX1k0dEpjSEhVUUFiS1hVcWxMc2hHa3JucGQzXzc3MEpwYU16TFJTS3NUbnVsOXZBOEZDV1FhdF8xdUVFWnFlV2JRRA?oc=5) · The Business Journals
- 2015-10-13 [Yadkin Financial To Acquire NewBridge - wilmingtonbiz.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNmNjMEZTRHJidEJhUzNYeXBFWXhsU1RfejNFOGhwT203NFc0YlVXdy1heGFCbkVtVHJxOXFHT2R6dXhhQVlQRXQ3VkJZenhyMXFXbm9pTUFsSWRmVE03dXNtWHJzOFl5ZFgzRTlUUzZ4Y1dCRERaRmF6TXA1RS1EMVBDeHJNRGZwTGFCTW9mVHJKd2RmRy0td3ZObDdNb2Fwdkx2dnlvTQ?oc=5) · wilmingtonbiz.com
- 2014-01-29 [Yadkin Financial Corporation, VantageSouth Bancshares Merge To Create Largest Community Bank in NC - High Country Press](https://news.google.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?oc=5) · High Country Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19861 (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/21.json (key "19861", 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