# TOTALBANK
MIAMI, FL · FDIC certificate 21468 · asset band $1-10B · latest filing 2018-03 · stopped filing (departed)

**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 | $2.97B | |
| Deposits | $2.08B | |
| Loans and leases | $2.17B | |
| Total equity | $508.1M | |
| Loans / deposits | 103.32% (p85 of band) | 89.39% |
| Liquid assets / assets | 19.99% (p47 of band) | |
| Uninsured deposits / deposits | 41.26% (p81 of band) | 25.84% |
| Brokered deposits | 8.93% | |
| Wholesale funding | 21.18% (p86 of band) | |
| FHLB advances / assets | 11.78% | |
| Tier 1 leverage | 13.07% (p89 of band) | 10.01% |
| Unrealized securities loss / equity | -2.31% (p51 of band) | -2.36% |
| AOCI / equity | -0.39% (p76 of band) | |
| ROA (annualized) | 1.08% (p43 of band) | 1.15% |
| Net interest margin | 3.15% (p23 of band) | 3.58% |
| Efficiency ratio | 57.33% (p34 of band) | |
| Noncurrent loans | 0.33% (p32 of band) | 0.48% |
| Net charge-offs (annualized) | -0.08% (p5 of band) | |
| Reserve coverage of noncurrent | 249.21% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 10.97% (p14 of band) | |
| Auto loans | $5,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 290 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 3 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | expense ratio p90 |  |
| 2013-09 | 2 |  | expense ratio p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | expense ratio p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 1 |  | expense ratio p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | loans exceed deposits, brokered >10% |  |
| 2016-09 | 1 |  | loans exceed deposits, brokered >10% |
| 2016-12 | 2 | brokered >10% |  |
| 2017-03 | 1 |  | brokered >10% |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 3 | loans exceed deposits, brokered >10% |  |
| 2018-03 | 2 |  | brokered >10% |

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

- 2025-12-11 [TotalBank Accuses Former CEO of Raiding Staff for Rival U.S. Century Bank - Podhurst Orseck](https://news.google.com/rss/articles/CBMikAFBVV95cUxQM1RWcEtQc0RVVDRBeDk1d2Q1TzF0ZWlmTkJTdFhrS3JadUdBRUd3cjFnclkya0EwY3pTSWpfZGgySmcyV0Y2VGtPdTNjQmpuTDNmQmRBSXNfMWlFOF9hcFk1QWdyTzVtbC1KQnIzMUQ5ZnVvekc3ZWNHUEVXSlVKMkpxQmNUdDV2V0FWbXVVUl8?oc=5) · Podhurst Orseck
- 2018-06-19 [City National Bank completes purchase of TotalBank - Florida Trend](https://news.google.com/rss/articles/CBMimgFBVV95cUxQQ2xpbWFlR29XbUw2R1NxT0lfZ3ByaWJmZVJMRHF4RmhMNGRycHlwZmUzOUdWRFg0WjFqVHl0VG9nblhfVG5naXJ6TVZWMEJpbU1teWtpQVlxTFlWZmpiZFdrVVlpLVRYMnNCZXVGeEJmNV9XeWpTWWVmWXdsb2tLSUVDdHpob3VsTjlCUmMxQWVRcng0YUdkdmxB?oc=5) · Florida Trend
- 2017-12-01 [City National in Miami to buy TotalBank - American Banker](https://news.google.com/rss/articles/CBMigAFBVV95cUxNdlhuSlVaSXNFdW9oQVQyZlJsNWwzRC1MVWw2Nk13SjFWaTdfSUJLdG5mSGtVQTlJTkFtbWhzWjh6b2Y1aklfcVRuMVhKbG1GUlNwMzZyd3l3T3RXUlFKbDlUWUZIYXotajNQR0RnWlJOVlNTd1F2R3hvYWtGRUJEUA?oc=5) · American Banker
- 2017-12-01 [City National Bank to acquire TotalBank for $528M - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPX1VHSFlzU1RYeEtGeVZHSXM1OTUtaUZHdlRXQTlaVlRYaUNoNnQ4NTZlZjg5WTFPbG1rVlZyM2N5bWY5ek1EMnJrd1FyZlpzV2ZfX25PbUpWWWowTXpWNEduaVQ4UTR0WDFyNHZ1dXBYQUxrWGNDQ0ZuUE51bDR1SmZtc3NqdmhTLTd5YXFwOVp5Wjd2YU04amhNMW1CYndJVGkwTG40RHZRZ0dFR2NEYlN3?oc=5) · The Business Journals
- 2025-05-16 [Best High-Yield Savings Account Rates for September 2026: Earn 4.40% APY While You Still Can - Investopedia](https://news.google.com/rss/articles/CBMickFVX3lxTFA2OTN1LWM3cHJOX241VTZCWkhPU3JOLXNmTUtvcFJhbzE0YjhZTGNOcmdtWWVVVzh5Q0RsSHRJTjd5cUhuYkhmbkVpYU9ndHVMekxZVThacTF3RWFsa1ZwMWVkQ2R5ck43M28tMlBZaVl5QQ?oc=5) · Investopedia
- 2015-03-22 [TotalBank’s CEO, Luis de la Aguilera, on life and banking in Miami - Miami Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTE9HUmliNVM1aVdtV0dMa0liODdFck5keXVOUUZ3Q1pQOHdKX2g2Z2hKTDE5TGUwRFFJbmlPX2QzeHdUMTNEcExnNTlhZ0JXOURMWHZPWkxMZS1aMXBCR0IzZXFlMTU5SnVGdkVOaDZvOVE1Z2hqR0x0VlRoOVQ3QdIBfkFVX3lxTE45OGEtNEFkTDJpVTJDQV9YTWk1ek9OenRGWEpQaXVQcGtlYzJBNGxTX3d6d2p4WEJjblZNeUFwMmRrNlktYjZsVDhadlJJeExRdi1HRlJMZGlLVy04OHhaZ1dwcGNScHV0VmNoTTdkNkZvTnRwSHpobDY0d3hidw?oc=5) · Miami Herald
- 2018-06-04 [Miami bank receives final OK for $528M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNM19ldy1acGo1NFgzNlpqV3lTLXJab3BQVmdxZGdLblZvbHk3aUExRDBWUy1XX0RCWXF1N3N2Q0duVWlqbGV1TW9STUdEdTc2M3RlMW9GTHVRUFRzZHRkT3BDam9wcVd5d1VfaEtpclUzVDlralBBX1RVek5Rbkt5VFUxaUNyS01aQlFtWGdfcEloZU9jak91UWRteXowZFVRb0puUy1EUE1PUlhSRmFR?oc=5) · The Business Journals
- 2013-04-26 [Haute 100 Miami: A List of the Most Powerful People in Miami - Haute Living](https://news.google.com/rss/articles/CBMiaEFVX3lxTE83S3RLV1o0VExjUDVxT3o3QTk1WXZDU0QyOW1qRTFqZzZBUVRRV0RPTk5UODF5RW40Vm15YzM2TWcyNjdGVEVQTEVaRlZNVWF3YlZ3emRiWUtvaWsyZHhINms5V3V2R21z?oc=5) · Haute Living

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21468 (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/28.json (key "21468", 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