# OLD FLORIDA BANK
ORLANDO, FL · FDIC certificate 24244 · asset band $1-10B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.06B | |
| Deposits | $978.4M | |
| Loans and leases | $729.4M | |
| Total equity | $82.8M | |
| Loans / deposits | 73.75% (p30 of band) | 84.25% |
| Liquid assets / assets | 28.48% (p60 of band) | |
| Uninsured deposits / deposits | 53.20% (p94 of band) | 24.35% |
| Brokered deposits | 5.21% | |
| Wholesale funding | 5.34% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.75% (p23 of band) | 9.88% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 1.91% |
| AOCI / equity | 0.00% (p11 of band) | |
| ROA (annualized) | -3.23% (p1 of band) | 0.92% |
| Net interest margin | 3.83% (p77 of band) | 3.44% |
| Efficiency ratio | 234.19% (p100 of band) | |
| Noncurrent loans | 1.03% (p63 of band) | 0.80% |
| Net charge-offs (annualized) | 0.01% (p38 of band) | |
| Reserve coverage of noncurrent | 104.04% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 90.36% (p94 of band) | |
| Auto loans | $288,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 29.3% | |
| Employees | 175 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **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 | 2 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 4 | uninsured deposits >50%, capital falling, losing money, expense ratio p90 |  |

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

- 2014-09-26 [Bankers to know in Florida - Florida Trend](https://news.google.com/rss/articles/CBMiekFVX3lxTE5lRlVERlV0eXdfNXNpamNjVnNDTVdHWGV3MWlZQVJVNWthbWxrOGNvM2I2TkJPRkhYMHlUNmNJdjl3eFJ1TEhMUnJKcFU3emxQaXg4Ul9Va1BiaWdxOG11VG1RSUppMGg4bnNhamFYUVl6SHJoTkZkMTBR?oc=5) · Florida Trend
- 2026-01-14 [Sunburn — The morning read of what’s hot in Florida politics — 1.14.26 - Florida Politics](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdFg4WlkwS280VGpnenZqNlBCUEl5Y3VvcmJDMkVMcy1FZ0hIVmtBOXpUVDUtRXplQkViV3dGV21vU1owWTE4YmlFbHVZWGlQMGFqQ2M1VjU5XzRIX0M4YXJOUldfVW5mRmtWUnY3dEk4UmhTNFhNbXdlc0djNmh0RnJCc1R2SlF5YUFhbUVYSnNacTdMTlBXeDNydVE2aFB4bU9Wa0wtemc0c2JYWmk4?oc=5) · Florida Politics
- 2026-01-14 [DeSantis Appoints Two New Members to Disney World Oversight District - wdwmagic.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPQmc4Z1lpekprU3NMN1pfWTBDdkFOd2FYNHhrejJ1RG94Y2RvU2pZbF9FSUwxb3k0MjZORmJJYzNZcFBRT3dmV01WcG81TzBFaU1RZXZjSFBlUTc1SWtJSzJ2Um45MlVlZWNNQ1FuS2U2VEZfU0VHQ21laW1OQWNzekhQYXgyWWo3SlYzNzYzS21zd1NOQ19vLTZGTlJ1aGh5bEFnc0NDckQxWDZEVzM0dHJXaHJYdm1YcV9aSmJmRXNPQU5lemtKUWdjNG5qcTcyanZiSXotTmVIQVNJSzliZmpLcS1VZw?oc=5) · wdwmagic.com
- 2024-10-10 [Elaine Parent, The 'Chameleon Killer' Who Stole 20 Identities — And Murdered At Least One Victim - All That's Interesting](https://news.google.com/rss/articles/CBMib0FVX3lxTE5hQmJCdFBadlpiODdhd3FoeHYzQjRXN1FIODUtY3A0d3VWYUtOc2ItV2plcndLMzgyeGtOdkdmS3VQajh3YWpxc3pfRnNiOEg0VzJZaXpOOFVKaG9kYmhuWkR6X2NBRWxPQkowR3dTaw?oc=5) · All That's Interesting
- 2026-01-13 [FL Gov. DeSantis Interrupts Disney World Ruling, Makes Major Resort Change - Inside the Magic](https://news.google.com/rss/articles/CBMisgFBVV95cUxQWEU5UjM1YTdmanphTkNkWXZQLUdIc2NDamVjeXVoejd4T0xtOElJLWlQT093anVHRGtNODBVUXQ4YnRDbFFxVENTalJRSndaamdDUU9zMUhaYUk4dkdlbjE0ZVdsMV85Sms5VTZBWjdXa0J6VEcyNjZwZHB4d3ljQUw4cHBtcGpoTndnbEx0Ymh5dUl2NUIwOV9xTm5BWG5iaUc4N2VvejBWLWRIOUZSNEdR?oc=5) · Inside the Magic
- 2026-01-23 [NEWS: Florida Gov. DeSantis Replaces Remaining Original Disney World District Board Members - Disney Food Blog](https://news.google.com/rss/articles/CBMitgFBVV95cUxNZV9kajFUNFEwZ2ZHWEFCSTc4RlFfbVpWQWpaakJoTWwtVTJ2MG10MzJ4dDZVT1NWSXZOM0VRYmZIbzBmcVBuMlAzYV9KMUtFN1llY1BrbURtQlRWcFJJMkNvbWpTeFRtYWpYMFo3NmN1bjRrV1VveG1udFpETHR5OXMwSjdzYy1PemZCamVTRXdheVI5Z01IbXhSRFhFRl9SREFsbWtKOGxhUW1yZFV0azl2M2hWZw?oc=5) · Disney Food Blog
- 2023-06-05 [Lisa Patrick Obituary (2002) - Fort Myers, FL - The News-Press - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSks3QVVib2xZTVZzeUhDZF9sbzhsbklzd1VIeXI5S3lMUldUR01paW8tY2NqNDN6YXJibzk0WUNoeF9IMFE3ZTBWWU9qS2Uza2xMcEZDejg2YllrUlFoMWRyUXg3TDNCelg3M1dueHpYQXREcDEzWjlrRThKQWh2ckNCVmtmcVVpQm9qaTg4UQ?oc=5) · legacy.com
- 2000-01-15 [Robert G. Brown - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPVDlqLVppUktsLU9DVkFuNnNqYU1tLVhDeGlHOHBlTWVNdGVzeEp6ZlY0bm0xYmVKbmNWaEV2RU9vNVdtSFU3Zkx5Zkl3UGZxX3d5dkdtb3dyUVFJU05uY1NuX2NSU3F1SVlWT0V5MTM2UXp3UkNpeTNaT3RIN1lSY1RwbXFrYThFQWhZWWo1Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24244 (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/52.json (key "24244", 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