# EXECUTIVE NATIONAL BANK
MIAMI, FL · FDIC certificate 20711 · asset band $300M-1B · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $511.7M | |
| Deposits | $431.3M | |
| Loans and leases | $344.9M | |
| Total equity | $53.0M | |
| Loans / deposits | 78.80% (p44 of band) | 81.65% |
| Liquid assets / assets | 30.27% (p61 of band) | |
| Uninsured deposits / deposits | 24.79% (p54 of band) | 23.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.93% (p43 of band) | |
| FHLB advances / assets | 2.93% | |
| Tier 1 leverage | 10.28% (p57 of band) | 9.93% |
| Unrealized securities loss / equity | 1.35% (p32 of band) | 2.75% |
| AOCI / equity | 0.65% (p30 of band) | |
| ROA (annualized) | 0.38% (p10 of band) | 1.06% |
| Net interest margin | 3.08% (p23 of band) | 3.52% |
| Efficiency ratio | 82.63% (p92 of band) | |
| Noncurrent loans | 0.21% (p28 of band) | 0.50% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 684.38% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 8.05% (p15 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 1 |  | capital falling |

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

- 2019-09-25 [One of Miami’s oldest banks just announced a major acquisition - Miami Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE56QXpFaUJtODRBWDdNTDVwUFdPbGExY0VVdXlTZ2xGb2xOWTdrVmpWYnRRR3F0aUotV19FenFJRlBiWVBiZkNhTVI1TjNLRE5BU1ZydW9pbFgtOWtkRW0zTWFNOWdoczdJRVlKR1ZxYmzSAXBBVV95cUxQekVDcXhQYUpmT3BJTkU4Wkw2ckEwR2c5c1RaQzFTdy03LXp4MjZNZ2txeG1WaEJDNnYteWJTX2pWQVlrUzRkYzZTY3ppdFpNRTNHSDFmWTUzcmoxSVVvQkl5YTdfUDFwRkY5QzBUemw0?oc=5) · Miami Herald
- 2020-09-23 [City National Bank of Florida expects to close acquisition of Executive National Bank before 2021 - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxNdFlFLW95a1VxZGFyZXlUdmtXYnI5X3h2UlhISENtN1NDZXhrY3NZSzc5WURSUEZCOE4wdEZLcGJ0cUFDb3gxRDU4TU9zcjktcU95RTE3QUpHTFgxdm1qWEtmUk9BUzhzY3hZOG5JUkRTTVdKdnVGa3otLWE3eTJQQndnMW9LcnY2SGdBQmZFLWpDbmpXV1NZZ2dWWkl3bHNXU28xRnhQWU1kanh6dmUtTm9B?oc=5) · The Business Journals
- 2019-12-17 [Moishe Mana buys City National Bank building in downtown Miami - The Real Deal](https://news.google.com/rss/articles/CBMipwFBVV95cUxOY3d6WUx0NHZDQzVJSGI2eXFicEE3Q1hDMDdTdk90SGlPazV4cHhQWHV2bllRRTRNQk5OVUJSR0dsSU9VVmJYOHFkSk9WY0FWaDZFR19VVE13UGp3bjVRclg4aFJYQUNRYTdaSmF2SW1YaUxPZEhELVFTb0tVXzlmUVZ6TThiSmRpQmlXd2YteTR5eEQzVUV4QTg3cHlVQkEzTEgzUlMybw?oc=5) · The Real Deal
- 2019-09-25 [City National Bank to acquire Miami community bank - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZEZNM2prWmhLN056VmtsbmdnZ1RuUGtRbjQ1NWt3clhaZEMxaHpEalM4R2tnNWdJLXFWTjQ0bENWN2FwVVFVOTNWSEFGMkpfbkF5ZHVCMzhMMnp2ZHJMYjlEX0FDaHA2Nll3Ml9ZaUZ2LUk1Z2R0LXFsaGUtMXl6NWpiTktKX3M5RUlwT2ZhMGw5TTBUQjcyQUR5TnlwdUxOR3ZxQTBuaWdOc0ZESGNqVk1B?oc=5) · The Business Journals
- 2014-03-10 [18 banks get top ratings from BauerFinancial; four get lowest ratings - Miami Herald](https://news.google.com/rss/articles/CBMiYkFVX3lxTE8zaExhYWthM0plR2xPUmZZalM1RkhWWW1UZkJSZ2tZdnpNOW04dk1BeElYRE1RRGtKLVZVczNsVG5nLWhWT3BDSmtxdmh5YUFwZnlLMUF0RG5VV0gwUE11Ynpn0gFiQVVfeXFMTnc3eGdyV2JwQzlNd3VBaEFKcUpVTTlxTGpQX3hoeDBKYXpqTlVDRzctQ0hqLW9yZWhTb0w0LTFVem14ak0zOWhWRk5taXRhQmJSeU10T0JtSHZxVEZDNkVHMUE?oc=5) · Miami Herald
- 2020-11-04 [City National Bank of Florida appoints corporate banking executive - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOSzZPSmZUeEZpSUYyODRNYVEweG9JWnVmYzFFN0hXWVo5RGctd3dGcGZURjA2NkZrN0UySlFXUS01NG9FT09VNEc3SnpCZndCRk5MQ1B1aXBQbTlKQUEtTk1JN1pPZFV3ZV9ucWY2UGYzMWl2bGZyMWswejlPWG5aWDc1ZUY2NklPOUFoeDhybnl4Yzl6dmcxdy1JdEd6VGJndEV0bGZrb09xSWdoOU00aA?oc=5) · The Business Journals
- 2021-02-23 [Anticipating demand for loans, City National Bank of Florida expands commercial banking team - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxQLWt0elJUWW44NTFLbkhoekZlcTc0eHlhX3hlWnpaVHJZRHV4MHJUNGFPZzVCWUE0V1FZenNtbW1fMHVFRGpBR2FfSURjbF9adU0zRXpEMUxwSXAza3dnamEyUll4aWhucUhJODY3cHhUYmh5dy1zY3BFaEtYUERnRko1c0VKdkczSUUtSFYzZlNqbElKNnloVlNRVzJSOXIydXBwT25vWjFJa0xmUGtSb0pn?oc=5) · The Business Journals
- 2021-10-15 [City National Bank of Florida surpasses $20B in assets - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMTFqQ1I3cFJ4Vm5yTnQ2OHFYZUkteWQ2MktiandVNXpKbnlyWXlyaUZxMWEydTd5NmZfN01xZ041RzE5LU9SSnE2UFY3R1B5NlRUQ3dQbUF6Q1Z3aDF1RXBSMzJZaURiWDFpalBjb1VwdkJQeXl4YXZ2eld0TW9ldl9xN1pTS3hsY0NZRXdnZjM0aU5DRTdtQ1A2TWItMmx5ZE9EdlZuc1lPMzUyWnc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20711 (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/39.json (key "20711", 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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