# FLORIDA CAPITAL BANK NA
JACKSONVILLE, FL · FDIC certificate 26323 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. 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 | $713.1M | |
| Deposits | $639.8M | |
| Loans and leases | $540.9M | |
| Total equity | $70.0M | |
| Loans / deposits | 83.53% (p54 of band) | 82.04% |
| Liquid assets / assets | 21.83% (p39 of band) | |
| Uninsured deposits / deposits | 67.22% (p99 of band) | 25.97% |
| Brokered deposits | 0.31% | |
| Wholesale funding | 0.36% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.77% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -2.43% (p76 of band) | -8.10% |
| AOCI / equity | -0.57% (p39 of band) | |
| ROA (annualized) | 0.98% (p30 of band) | 1.28% |
| Net interest margin | 4.22% (p68 of band) | 3.91% |
| Efficiency ratio | 74.39% (p82 of band) | |
| Noncurrent loans | 0.16% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 736.88% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 24.08% (p30 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $41.1M (59% of equity) (p100 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 118 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 11 | capital falling, charge-offs p90 |  |
| 2011-12 | 11 |  |  |
| 2012-03 | 13 | deposits shrinking, assets shrinking |  |
| 2012-06 | 12 |  | capital falling |
| 2012-09 | 9 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2012-12 | 8 | deposits shrinking, assets shrinking | leverage <5%, construction >100% equity |
| 2013-03 | 7 |  | charge-offs p90 |
| 2013-06 | 9 | noncurrent p90, loans-to-lenders >50% equity |  |
| 2013-09 | 10 | charge-offs p90 |  |
| 2013-12 | 10 | capital falling | charge-offs p90 |
| 2014-03 | 11 | charge-offs p90, construction >100% equity, uninsured deposits leaving | NIM <2.5%, capital falling |
| 2014-06 | 10 |  | construction >100% equity |
| 2014-09 | 8 |  | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 6 |  | leverage <7%, uninsured deposits leaving |
| 2015-03 | 4 | reserve under noncurrent | losing money, assets shrinking, charge-offs p90 |
| 2015-06 | 5 | assets shrinking |  |
| 2015-09 | 6 | wholesale funding >15% |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 6 | loans exceed deposits | assets shrinking |
| 2016-06 | 6 |  |  |
| 2016-09 | 5 |  | reserve under noncurrent |
| 2016-12 | 5 |  |  |
| 2017-03 | 6 | reserve under noncurrent, assets shrinking | loans exceed deposits |
| 2017-06 | 6 | loans exceed deposits | reserve under noncurrent |
| 2017-09 | 5 | brokered >10% | deposits shrinking, assets shrinking |
| 2017-12 | 7 | capital falling, reserve under noncurrent |  |
| 2018-03 | 9 | uninsured deposits >50%, run vulnerability, losing money, charge-offs p90 | capital falling, reserve under noncurrent |
| 2018-06 | 5 |  | uninsured deposits >50%, run vulnerability, losing money, charge-offs p90 |
| 2018-09 | 5 |  |  |
| 2018-12 | 7 | reserve under noncurrent, deposits shrinking |  |
| 2019-03 | 7 | capital falling | deposits shrinking |
| 2019-06 | 7 |  |  |
| 2019-09 | 5 |  | expense ratio p90, capital falling |
| 2019-12 | 5 |  |  |
| 2020-03 | 8 | losing money, expense ratio p90, noncurrent p90, charge-offs p90 | loans exceed deposits |
| 2020-06 | 8 | loans exceed deposits | losing money |
| 2020-09 | 6 |  | expense ratio p90, noncurrent p90 |
| 2020-12 | 7 | uninsured deposits >50%, run vulnerability, noncurrent p90 | brokered >10%, loans exceed deposits |
| 2021-03 | 6 |  | wholesale funding >15% |
| 2021-06 | 7 | expense ratio p90, assets shrinking | run vulnerability |
| 2021-09 | 8 | deposits shrinking |  |
| 2021-12 | 5 |  | reserve under noncurrent, noncurrent p90, deposits shrinking |
| 2022-03 | 3 |  | expense ratio p90, assets shrinking |
| 2022-06 | 6 | loans exceed deposits, wholesale funding >15%, run vulnerability, deposits shrinking | charge-offs p90 |
| 2022-09 | 4 | expense ratio p90 | loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2022-12 | 3 |  | loans-to-lenders >50% equity |
| 2023-03 | 6 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2023-06 | 7 | wholesale funding >15%, capital falling, expense ratio p90, loans-to-lenders >50% equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 7 | brokered >10% | expense ratio p90 |
| 2023-12 | 3 |  | loans exceed deposits, wholesale funding >15%, capital falling, brokered >10% |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | loans exceed deposits |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 | capital falling | run vulnerability, loans exceed deposits |
| 2025-03 | 4 | run vulnerability |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 2 |  | run vulnerability |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26323 (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/19.json (key "26323", 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