# CONTINENTAL NATIONAL BANK
MIAMI, FL · FDIC certificate 21578 · asset band $300M-1B · latest filing 2019-09 · 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 | $457.0M | |
| Deposits | $400.3M | |
| Loans and leases | $326.3M | |
| Total equity | $41.7M | |
| Loans / deposits | 80.55% (p39 of band) | 85.55% |
| Liquid assets / assets | 27.83% (p64 of band) | |
| Uninsured deposits / deposits | 60.41% (p98 of band) | 22.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.45% (p38 of band) | |
| FHLB advances / assets | 2.25% | |
| Tier 1 leverage | 8.86% (p10 of band) | 10.66% |
| Unrealized securities loss / equity | 2.46% (p75 of band) | 0.93% |
| AOCI / equity | 3.38% (p65 of band) | |
| ROA (annualized) | 0.75% (p21 of band) | 1.13% |
| Net interest margin | 3.51% (p34 of band) | 3.75% |
| Efficiency ratio | 81.75% (p90 of band) | |
| Noncurrent loans | 0.37% (p39 of band) | 0.53% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 317.20% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 94.37% (p90 of band) | |
| Auto loans | $19.6M (6.02% of loans; DQ 0.15%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 104 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | reserve under noncurrent | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits >50% |  |
| 2015-12 | 1 | capital falling | uninsured deposits >50% |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | uninsured deposits >50% |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | expense ratio p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 5 | losing money, deposits shrinking, assets shrinking |  |
| 2018-03 | 5 | reserve under noncurrent | assets shrinking |
| 2018-06 | 3 |  | deposits shrinking, reserve under noncurrent |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | expense ratio p90, losing money |
| 2019-06 | 3 | expense ratio p90, deposits shrinking |  |
| 2019-09 | 1 |  | expense ratio p90, deposits shrinking |

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

- 2019-05-15 [Exclusive: Miami's first Cuban American-owned bank to be sold - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQeW4xUkNPX2E3aTZZUnZGbWFxSGhEYXFkZ2pMcVZhWVozdGZtUm9EM2ZMR0I2RmhFY3hpQWVEbDhZaldjY19fQ3dHWElUa056c3h0UlBJWkItUmVNek00YldYc0Q1M0Fic2xKc0xoaGhocWJiT09lcWFieTJXNFFTaWFpWnI3TU5xamRGWUUxRkppRXVhNWtSbUtuRDR3QmZ1ZDF3ZDVfaGZVVjduUzNF?oc=5) · The Business Journals
- 2014-04-24 [Continental National Bank Appoints Jacqueline Dascal Chariff as New Chairman - PRWeb](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQaVVZai1FNldjbUdvRHgtNWlFRXEwYjA4QlItZE1wZ1ZaQkxtdXpQeVZqNjhJTWN1T1VGWTE0VnJ2bUJlSVl4Mm94SE1DcGxsTFBMU1lLYWdhLWtsemx3RHZKZUM1VHhpcTlNaFJFd25OTE5fUDEwM3RjQ0ViSTVEX0hqWXNtMVV2ZFlLMGEtVWo4bUtadTBneWlKMzJzdWdKSlpyU0hDSnhKUW9BWHFsTWIwdnkyWWQtUXFwX0doZEdPNEE?oc=5) · PRWeb
- 2017-06-21 [Guillermo Diaz-Rousselot Named "Banker of the Year" - PR Newswire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQmJOWGhWNUlNOVpKMlJFY3dGVE0wS2RaWWYxY2JCNjFvWnNicEZUMDFnS0VGWFlIeDd0aDBYR2JxNDVKdnVWWUJhbEFiTS1nX0NHejd4eGphYl8yTGlpUk9JVVoyc1M4eG9VTEFlaTVLdjVaRFVWYTdITXVwMVdPOHZ5ZF9pM3lKY2s3Ri1OTkx1d3Bqb1RFa0lOVU55WmJSU2ZSd1B2Sl8?oc=5) · PR Newswire
- 2014-03-24 [Continental National Bank names new chairman - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxQR1h3V25hTXZlQmtnRmRLMjVBUnhrQ3hpTWRMcHhvYUtUNUpsc2RaR3F5Ul9rdlIweTlQeFIwcW9icVgzYkF3TXN3MHBxWTJOczBTUG5rTXo1Q1FwNTMxSlpzRU5iNzA2QlA2ZW9zVTd1bDNkcEZ2ZjhkbmxWTDRJYXpGYTVWYkhZMzlFT3ZJc1U5M3pmR05CX1dQcFc0akhEbF9HczRrSGZLYWxsRXR6SzJ3?oc=5) · The Business Journals
- 2024-10-29 [All in the family: Miami Beach estate of Continental Bank founder sells for $23M - The Real Deal](https://news.google.com/rss/articles/CBMipAFBVV95cUxOdHliZ0V3RTJydEdMcEdqY3pneTRFY1p6RlNEVDNTcjBSODhFUTN1bTVTeVlMUEw4NGgzZ25rNVJhYkFpX2hpa1piNFNmNGtiOGlLTzVNNHE0UDkxaDZmbnFmWTRzb05USFhUYmF1aTJKemVhTHJnazJEWFI1bjFDN05xdGFrMlI3U2ZBdWJpM2YyMXRQcGRwN2lLRDdVUW0tb3JrVg?oc=5) · The Real Deal
- 1980-06-06 [$108 Million in Miami Banks Traced to Drug Suspects - The Washington Post](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQSk1vcTZCUXBVRzNzQjlXRm81RWlyNGdqZk1oR01uMFVtTUVmZWNodDE0MS14SkxYUmVDWkh4bTMzUlAzZ3R0d2VMcWlxSzhfaTJaQnRFMFhsekJXVjMzTlR1MW4zLXN1a1FhcmhkWjRSckp1TUVpSHFjQlUzb1p1cDN6dE93aE5nQ21tbFpaRXhuS1lDR2hVMkZfbzd5dWtrTEVTZzhacGJiaGd2QWkxc1h4MW02TTlZbWx4bU9hTU9BWWRKandVQThxdnZ2TzNXcm05QV85MHR2WUJJTHJOMQ?oc=5) · The Washington Post
- 2019-10-24 [First American Bank finalizes acquisition of Miami's first Cuban-owned bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRU8xeURkejlHQmxwNXJjaXQ4aW92ekxxZm54UlJNQ1JfWURZeTJoQWlZVlBjNHI3ajkyclJYSnNCUWI3WTJVQnpNQ09iX21oNmZya2l2Q1FfTDlKQ0RlSUJjbEVRdXZNY1hNeXJtNllOaW1hTUFkV204bE1lcVowNnY1ZS1Vc3pkMzhPQ1VKVHhWM3h3aEFjRHRIVnVCRG1JTHFNRHNCNU5tZw?oc=5) · The Business Journals
- 2019-05-17 [Why First American is buying a South Florida community bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQOEt5V1IwOVRrU1F6WjFRMEFDbWZ6ZWVvRDN2RWkzdXBGazNtSWR2dUdPY3FkSHkxdVdFVkIwc01tckM0SlVlOU04X25NX3A5bC1hYWxaclZBWUR5RDJQT1pTVF9iaHhDNWxaTHdJUHVRSDJlanlzVkdsSFhpY0xER081cjdMWUt3N0RkRGFxRmpuaEwtVmhseE5jREFkZlZJdzZvemxZWkxrdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21578 (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/10.json (key "21578", 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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