# ADAMS NATIONAL BANK
WASHINGTON, DC · FDIC certificate 22658 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $271.1M | |
| Deposits | $221.6M | |
| Loans and leases | $155.2M | |
| Total equity | $31.6M | |
| Loans / deposits | 69.24% (p46 of band) | 70.88% |
| Liquid assets / assets | 36.20% (p57 of band) | |
| Uninsured deposits / deposits | 15.56% (p82 of band) | 7.86% |
| Brokered deposits | 1.32% | |
| Wholesale funding | 7.56% (p72 of band) | |
| FHLB advances / assets | 3.77% | |
| Tier 1 leverage | 9.26% (p42 of band) | 9.71% |
| Unrealized securities loss / equity | 1.18% (p55 of band) | 0.79% |
| AOCI / equity | 1.43% (p89 of band) | |
| ROA (annualized) | 0.55% (p43 of band) | 0.66% |
| Net interest margin | 3.68% (p43 of band) | 3.79% |
| Efficiency ratio | 70.86% (p42 of band) | |
| Noncurrent loans | 23.99% (p100 of band) | 1.53% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 4.80% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 27.04% (p57 of band) | |
| Auto loans | $31,000 (0.02% of loans; DQ 16.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 50 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |

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

- 2011-03-25 [Adams National Bank will become Premier Bank in April - The Washington Post](https://news.google.com/rss/articles/CBMihAFBVV95cUxQcm9KSkZEQlNkdWRYeXdwRnNnN2V1TUpaMGllLTR4MncwOXVhSHphUGNzSS1jWDZwLTAwWmtnRFo3Z3hMc2x3WlpoMGZtV2ZMTkppTURBV1k3d29USGdnRk9aeEd3VjJyMXkwNHFza0VIUUZXaVRYWFJiejZ0WDdPU1l3cXo?oc=5) · The Washington Post
- 2024-10-25 [Voices on Independence: Four Oral Histories About Building Women’s Economic Power - Smithsonian American Women's History Museum](https://news.google.com/rss/articles/CBMirwFBVV95cUxNYzMydm5GUDlKLUpmVjVpWUdlRUktZFlTbTA3QWN3aktpeTFtcWVyNElqUUNpekNnM1BBV1owQldFX056UGNTM05QLWoyeFlTdXg4Y04xSFhDNDdYQXJQVS1KekpNVEg1UEFxVnBJZFAzNUgtWkc0Q0ZMdlVQTmtNbF9EdlhWb0NvRGMwam13VzlkUlhOX256bnYyMUtmMjI0SDdHQy1ScllaSDZEZ0cw?oc=5) · Smithsonian American Women's History Museum
- 2020-07-15 [Maggie Lena Walker: America’s National Treasure in Banking - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMitgFBVV95cUxObjlid1k1amw3YXhuSXBfdUV2UHpGVnJGOWhmWFJCYVdLWG9zTmNfZENTOEJ6dVkwaEYwdW5SV3A2b2ZlUDE5MG5uQzlFRHh5Z2ZWUWhlSDV2WGNnaG1PNG9Pc1RVNzRIZ0lzYW5Rd1RzTEJFR3hQZnNMekt1LU94Y1hqcllrd2ZpUVZtaXFRMFpCMXhtV1JmS3JpNmxJN3kzaTFiWHh6b0VyWlhtVnhsWFlpMnVQUQ?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2016-04-08 [Under Armour CEO Kevin Plank's big tip for starting a biz - CNBC](https://news.google.com/rss/articles/CBMimAFBVV95cUxQR3hRVEk1cDRQOVZDdExweTBFdTdyVkFDZjJUM2RpWDhVYzhOTWdnYXNqOHZhODhtNk8xUmo5T2dUVldNLUlqbUlsR3JNQm1LWXd3dGx4Q0xjRTZOOVZsMzY4dWRXUFJtSjFIcElabUlfWWh5aC03bXNSN2Jzb0tXV2JXM2ZYV2ZyTDBfYTNZRENIc2Eza0FLZNIBngFBVV95cUxOcTF5T3R0dFk2anRVLTNWZFZUM0dyc21kQk45NHZnd3B0TXBDZFE0b3NULUtGTDVFV1U3eXZiQnp1VFZIdWhMOExSSXNYQi0xMHM5TElvRHFjanl5QVFoOGpWQ0VrMkhkYzRnRVlOa3E4VFBDMG5MdHpBWFdGOWxTTGtGRXpST3pqSFR6YUZSMDM4UHEyM3g0anNEdGhlQQ?oc=5) · CNBC
- 2011-09-16 [Boris Orcev - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxOV1NHZVRDTTdTSUdRTDV2WW1JMjREZERNSjlsaF96ODFJVXVvY0FQX0h2RmxMQVdkc0k2aGc1RHoyMFJwbHpudGxhekxTN0xDcFJwVHNKZlotMGRlYTB0Z2Nvay14RGFqMHFHck1YaU5rT2l1eTJzaEd3Y2x6emhobURfc2hrVHc?oc=5) · The Business Journals
- 2008-09-03 [Chief of Adams National Resigns - The Washington Post](https://news.google.com/rss/articles/CBMixwFBVV95cUxPU3VwVklOZ2NGdmVoTVZySm1BYVd5Z1E4ZXpnMHZlNnZtZURoZ3ZTU0VBM2VLbVk3OFFOa1NqT0I4Z1JEN1NXX29IZ1FSSjFpclZhYWpxUjEyRlNLbnM3dFlLbFNDazZBbW1yLXktMXRfaDlnSzBfMmpYeV9DanlqV1R0VnpUb1Q2akhCTDd5ckx5eElmRUFxeXpGdTZYSkVuUUp4dllybnhPQUI4ZF9xTTFzUDZmdGZTV0pGeEpvTXcyVHFROGY0?oc=5) · The Washington Post
- 2011-03-18 [Cardinal President Kate Carr prepares to hand over reins - The Washington Post](https://news.google.com/rss/articles/CBMizwFBVV95cUxQTG1OaUQxeGdHaVp3Tm16ZG9MQVlPNzVkMlViU3BtWUhRbURiX256WGVRTGtkQnVjbFQ4dVFYdTVYcF93cXZ5MDUtOHRBcDNqY1ZBa0NEWkhUMUJzRnN2ZHRXbUFqT1lJQzZ5SGdFTWRZQ2pwUHRpYVZ3ZWpSSFdEU214QmdVVVYwam1tQ1JLT2JEVG9PaWgydnJIZndsaTRGMkJPTjBrdGZoNXRKZ3JpWERoZ2pVRDhiOGc0STJ6LThlLWJyTXlLTFBnZFpzdFk?oc=5) · The Washington Post
- 2008-09-01 [Banker, Developer Leo M. Bernstein - The Washington Post](https://news.google.com/rss/articles/CBMixAFBVV95cUxPS1VtWjFzTFVBeDh2RkktbF9pbktZZTRSa1A1RUFRTm90cHZkTFZpYURFWnRobkNPbDBYWUc1bUxLcUhfanJJNmxJMnFPUUU0VHlRSnVPdW9JOHd2OTNFZ1BQTk9yaUZiRWtrRWtUNWNPV2hLRmFubHRhNUFnVmlqMWtYUWhUMjdJZk4wc1NnZE85MUtQNXBkMGw4WUhlNzNtTGpzMU55WDRYcnJ3eEVHZ0MyM0ZDcUNYY2FDTEZtX3Z6QVdC?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22658 (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/2.json (key "22658", 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