# SABADELL UNITED BANK NA
MIAMI, FL · FDIC certificate 21837 · asset band $1-10B · latest filing 2017-06 · 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 | $5.73B | |
| Deposits | $4.37B | |
| Loans and leases | $4.11B | |
| Total equity | $645.8M | |
| Loans / deposits | 93.12% (p60 of band) | 89.72% |
| Liquid assets / assets | 23.85% (p60 of band) | |
| Uninsured deposits / deposits | 63.82% (p97 of band) | 25.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.73% (p57 of band) | |
| FHLB advances / assets | 7.24% | |
| Tier 1 leverage | 9.88% (p48 of band) | 9.96% |
| Unrealized securities loss / equity | -1.22% (p12 of band) | 0.00% |
| AOCI / equity | 0.24% (p30 of band) | |
| ROA (annualized) | 1.01% (p52 of band) | 0.99% |
| Net interest margin | 3.07% (p21 of band) | 3.49% |
| Efficiency ratio | 51.27% (p15 of band) | |
| Noncurrent loans | 0.85% (p71 of band) | 0.54% |
| Net charge-offs (annualized) | -0.07% (p3 of band) | |
| Reserve coverage of noncurrent | 118.37% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 24.23% (p27 of band) | |
| Auto loans | $619,000 (0.02% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 459 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, leverage <7% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 1 |  | uninsured deposits >50%, leverage <7% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | uninsured deposits >50%, capital falling, noncurrent p90 |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 2 |  | uninsured deposits >50% |
| 2013-09 | 3 | uninsured deposits >50% |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | noncurrent p90 |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | capital falling | reserve under noncurrent |
| 2017-06 | 1 |  | capital falling |

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

- 2017-03-01 [IBERIABANK Corporation Announces Agreement to Acquire Sabadell United Bank, N.A. - Florida Trend](https://news.google.com/rss/articles/CBMivgFBVV95cUxNbFA3X3ZLc0Z3WTFLam1qUjdJeVFNeVMtN1dWMFhoRjU3YUtPMzBTazVJenMzNlRxYlhWdHJ6VTJfNkZzck9TcHdNUk9jdGlMOWhJY0N4OUoxTlB0c3ZYVVctUzhCNEVBWThBTE1fdFZPSGxCdE5pd1p2VTRLYVpJejlabDltc2RhbjdiSFdOd2REekNONlBxYkNHUy0yems4WF9oSmFoWHBpWl9wZURvTXNEZWRtWS1oZHNFanhB?oc=5) · Florida Trend
- 2017-03-01 [IberiaBank gains market share in South Florida with $1 billion purchase of Spanish-owned community bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNc3BBU3RSdjVyNXhwQmZ3bTR6SEFuVXZsV2dUSVVOQ2MtM1ppRVl5U0txNkRlN0MxMTVDQUZRX1ZXblJMbU9Ua0MwWEstNUxLYld3QXVzTXA2UHhfdE9MU3RPNG56X2ZOWDZxUG01RGpRWUVKRUtZX0dFRi1MQ05hNm1YOFVfY2t4UFVndmdXMV9SMnFHNTIxNzVVX1lrNVJrNUFab21QN0FKUjhjNmtpMkVJdVd2TUp6RDJhSnlpdHhaZ1BXYWMzN0Q5bUc1Nkx4Ync?oc=5) · Talk Business &amp; Politics
- 2017-03-01 [Hunton & Williams Represents Sabadell United Bank in its $1.025B Acquisition by IBERIABANK Corporation - Hunton Andrews Kurth LLP](https://news.google.com/rss/articles/CBMitAFBVV95cUxOQWJGLUVNbC1Bb3gwWVZGVklhWmFsLWVULTRmdlZzQWlEbUl2TDNmM0dnM09LLU80ZXVRRnZPNGpVZW00bGVqblFNemo5cThQWGZDT2k2VFFDcU91UnFBbTVISHZOZWp3MDJjWHlaUGVtRkQwWl84QWptbEw0RUh3M3FQb19MMVJEUnJ3M2w3d3JlbGlJYlBhbkdnVzZ6TEw3X1Y2dGg1aHpBS3JVZGhBa201ajI?oc=5) · Hunton Andrews Kurth LLP
- 2010-01-15 [Hunton & Williams LLP Represents Banco de Sabadell SA in Completing Mellon United National Bank Acquisition - Hunton Andrews Kurth LLP](https://news.google.com/rss/articles/CBMiigFBVV95cUxONk1RN1RnOHRNVlJsUDE0QUVmbE1pdU1CdzlrUkxwbXdtZTRIckE4cGhNQzVRTkEwYmZnREFkUmlEMGo1UHVxSnE2bWFSdnVBck1fblZuUkFOYll6OS1tTWFwdktxR1p3Y3QwOFRJNmhqbS1pNEQ1eUowOE8tMzZlMmpGM2dlWHBhdGc?oc=5) · Hunton Andrews Kurth LLP
- 2012-08-01 [August 1, 2012 On the Move - The Florida Bar](https://news.google.com/rss/articles/CBMickFVX3lxTE5TWWFzSWl1eG5kbENqTFJSVS1zSGFkc0dmQ19fQU5HR3lZTDF1SXU3Ui1seXdFbU9XMnJ6SGVJbGkzWGZ1Sl91SkY2UmhIdjVBd0pqMkVJQ1kybnVnMkRfc19KRGg2ajhIaldNRFRpQTUzUQ?oc=5) · The Florida Bar
- 2016-03-05 [Monday Meeting: Natalie Alvarez, banker gave to others to save herself - The Palm Beach Post](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQkphMUdNajRWcTNGZ1NDajlyNW9hWmE0UzJxenhZcnhXZG9nSW94aXJPS3YwUm5GMkFTNmZiQ05wZnR3V0NyNF83RmduaEtkRkdiZ1R2YWZ1bUJLTGZZOEkzam4wVTI5eUdGYWxJd1pZZWtzZ3huQ205dzhiWEZtOVF3VWVaY2dNbG8zT1oyMGU5dWdERWJhai14QjB5X0hPcC1wVGJ6cjI?oc=5) · The Palm Beach Post
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2019-08-22 [2014 Children’s Hero Awards Gala - SocialMiami](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5LcThkSVZ1ekRMRDdxcGNwaDl3cVJPNGg0WHcxTEFhMW0wZVFZbWtzQU5Jc2VxMDBlc2M1elZxSk05eElBVEZjSDNuX3RLekExRlJrNlAwZHpKZzdwbHVZa0Rxc0JxQWc?oc=5) · SocialMiami

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21837 (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/13.json (key "21837", 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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