# FLORIDA BANK
TAMPA, FL · FDIC certificate 26280 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $565.1M | |
| Deposits | $409.1M | |
| Loans and leases | $319.4M | |
| Total equity | $93.9M | |
| Loans / deposits | 76.41% (p41 of band) | 80.75% |
| Liquid assets / assets | 33.13% (p66 of band) | |
| Uninsured deposits / deposits | 33.89% (p85 of band) | 19.51% |
| Brokered deposits | 1.44% | |
| Wholesale funding | 12.06% (p75 of band) | |
| FHLB advances / assets | 10.62% | |
| Tier 1 leverage | 11.82% (p78 of band) | 10.04% |
| Unrealized securities loss / equity | 0.12% (p31 of band) | 1.00% |
| AOCI / equity | 1.53% (p50 of band) | |
| ROA (annualized) | 7.63% (p100 of band) | 0.89% |
| Net interest margin | 3.22% (p23 of band) | 3.63% |
| Efficiency ratio | 92.08% (p94 of band) | |
| Noncurrent loans | 0.48% (p31 of band) | 0.89% |
| Net charge-offs (annualized) | -0.23% (p1 of band) | |
| Reserve coverage of noncurrent | 447.04% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 20.94% (p34 of band) | |
| Auto loans | $496,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  | brokered >10% |
| 2011-09 | 7 |  | construction >100% equity |
| 2011-12 | 7 |  |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 9 | charge-offs p90 |  |
| 2012-09 | 8 |  | noncurrent p90 |
| 2012-12 | 7 |  | wholesale funding >15% |
| 2013-03 | 7 |  |  |
| 2013-06 | 7 | wholesale funding >15% | reserve under noncurrent |
| 2013-09 | 6 |  | leverage <7% |
| 2013-12 | 6 |  |  |
| 2014-03 | 3 |  | losing money, charge-offs p90, wholesale funding >15% |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | assets shrinking |
| 2014-12 | 1 |  | deposits shrinking |

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

- 2026-07-24 [Hancock Whitney sets closing date for $377M acquisition of Orlando's largest bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaFNra2I5VGpMUGVpU0dvamNVWnBSSU5jZ1kwUnBiTGlyV1Q0amFpN0RMX2NhZzFKb0NJVks5TnhnTmVZc1djbngxOTJuazA2a0NhZU04dlJfTldIdEJWX2h4WktiSWIyaW1wSXB1bmthZjJZYUlZc0tUTU80R3BSVGRsbkwtU2FZLUQxWXZXR0RmNXZ0NDdYbjJYaWc4dmtFbmtHb2dJZw?oc=5) · The Business Journals
- 2026-05-15 [Hancock Whitney to Acquire One Florida Bank - Business Wire](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQnZVdzlvNHRpUnJHUjBlZFpITFZ6WDYxV0ZNTXhpWjNjSjVWVXozbGtiUnp5S1hBYm0wLVk2eWhhVHV0QlJiR0otTVpCaUZYallfV2dGbUZYbnhHSXlQMXRpY1lKT2JxMFVZcUJrVUlabWZaUElMdS00eVVESWdaVlJ6LWxranBzY3QxUFI5bmpCRTUybnFuSGRQMVo0VnRvTEE?oc=5) · Business Wire
- 2026-05-20 [$2.3B Florida bank expands in Lee County, names market president - Business Observer](https://news.google.com/rss/articles/CBMijAFBVV95cUxOS3oxeEwtNWZMVW5adnlScV84NWZvcVdzYTBON1FlZWVOck1HUFBIcW1yWHpUVzV6TlFCOVpHczZ5WWowZXZLM2h5ZTNaSEloaDRPNFN2d1ZUem1XeHczUVltZ09pVlFxYnVBQnJsOEs1T1ZBUl8yaXhwSzNkLUVuajZBaGVyNlZNVUthRg?oc=5) · Business Observer
- 2025-11-11 [Florida Bank Faces the Sting of ‘Failed’ Cannabis Compliance - CRB Monitor News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcUhsR0R0STBuT090Y0R5dHdiVno3Q05jTVhYWGVudFBaOHFrNTktMWE0cVF6di1Wc0NIbXRmVDRkM3pGNC1KYnhkdnA1d0xSYUQzVzNsR0pZd055V2pkNndiVFgzbElNeUg2bWNadEtGV1RHZW1xWHB0dlNWQmtpTktyUEhBMFRzdThlSlNrc2tZbUt4Y1JJeUJWdw?oc=5) · CRB Monitor News
- 2020-07-07 [Dozens of Florida Bank of America locations closing due to COVID-19 spike - FOX 13 Tampa Bay](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMUszd2JqOFVBeVp4NEZGU05lUTV5azNTV0xUNXVsVzdqZzBxamhremVvcE5OSkZEOXM2NTUzNGJLS2drdVp5N0ZOUGtCWkZkOHRrcGVkWXVidzg3YVNjZDBYeWJjZkktZmQ4Z1NMdzg2Q3Y3LWRWWXVVZTVLb20xOExBdkNGZG83TXY5a054WE96WnRvZUlUbkx0VmpvQ1pYZ1NyMXpWbw?oc=5) · FOX 13 Tampa Bay
- 2025-04-16 [Amerant Bank Executive, Carlos Xavier Ramos, Joins RMHC South Florida’s Board of Directors - Florida Hospital News and Healthcare Report](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPM3RQVVRIeGlOLVBhRVk4RDFIXzJWUk9UeDFkX3M5TTMzMzV2akdfclIyWERfN3VWX3Q0R3UxR3pvT2VwN0YzRFJtZlhYWU9ZUnZzeEEtMXBFUlhYOWRRbjM1emF5ZlVnVVRXaUQ0ZDhobTFacWFsc0UtT3Z3ZXhMelZoT1NxOGFWRDdBbE9ZMkctQTlnLVNaWHoxc1k2MTRnNUZ6ekVqd2kwaThKZWQ3SUwxU0tfelU3cDZ0MGNUTGhNVW8?oc=5) · Florida Hospital News and Healthcare Report
- 2026-07-15 [19 plead guilty in Florida bank fraud conspiracy - wtsp.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQbVlaS2tiS1c1bXIwUVhuWXA1OFVlaTNIQnhVbkN6QllfaGNITjUwNjdHYzlUSFVscEJEVG1qeGRwTE5CYW0yOUkzcWxPSnlhZVREbjdaVGFNeXZwWmdHaU9KT2NOeFhjWXNXUVBmdkdnUHdQM28xQjhJQlNVTlpvVGNxLUJBVDFrTmExdWo1VmVJcnBhR0ZhTm9NNWJrczVyVDJNUXhVY3VPanRZRTdmRG53OXZ6bzZK?oc=5) · wtsp.com
- 2019-01-24 [Police describe execution-style killings inside Florida bank - PBS](https://news.google.com/rss/articles/CBMinAFBVV95cUxOd0l1Q1F4VlRsTE95NVpGc05YeVQwZDZfOC11YXFSemxWUnhhV2NrN0M2TTZLSGgzc1lac1VzbUx6eFVmMU56S2hPUkRJdHpRb0dxN2Q5WVlKVkI5Nk5leWNuRjNYNWRfSTM5N2ZLajFBS3FxYzVqeFVRQ2hxTDBCc1psMUxUZWloWlJOSUJsVjhZejJqejlOUDE2QWHSAaIBQVVfeXFMTTBzdU5Nb19nWHJoUXNwc0pMNXBuSHNSNWdRQ0s1Z1pTbUtCRGVQWTV0bTZ6bDFPUUg0UzdUMG5KMHZ3V2o1Q25lTkRMb3RYSkpjd21NWHFTdy1WR0hLdHJPZWRTMzFtZlhYcXJGbmZQVUVEeGZzb0s3bllLZ2wwOTFWUnFkajNXaWl3QmpLZVhPVnBYTFE1VUJYM0hoMzE4a3pR?oc=5) · PBS

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26280 (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/40.json (key "26280", 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