# BANKFIRST
WINTER PARK, FL · FDIC certificate 27550 · asset band $300M-1B · latest filing 2014-09 · 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 | $679.8M | |
| Deposits | $516.9M | |
| Loans and leases | $378.8M | |
| Total equity | $141.2M | |
| Loans / deposits | 72.28% (p34 of band) | 80.43% |
| Liquid assets / assets | 28.88% (p55 of band) | |
| Uninsured deposits / deposits | 24.97% (p71 of band) | 18.44% |
| Brokered deposits | 0.10% | |
| Wholesale funding | 2.82% (p32 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.06% (p69 of band) | 10.05% |
| Unrealized securities loss / equity | -0.70% (p23 of band) | 0.40% |
| AOCI / equity | 0.22% (p22 of band) | |
| ROA (annualized) | 0.47% (p18 of band) | 0.88% |
| Net interest margin | 4.28% (p86 of band) | 3.62% |
| Efficiency ratio | 82.31% (p83 of band) | |
| Noncurrent loans | 1.08% (p55 of band) | 0.96% |
| Net charge-offs (annualized) | 0.28% (p86 of band) | |
| Reserve coverage of noncurrent | 127.88% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 23.43% (p38 of band) | |
| Auto loans | $359,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 121 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 2 | capital falling | expense ratio p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | assets shrinking | reserve under noncurrent |
| 2013-12 | 0 |  | assets shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |

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

- 2024-04-06 [Seacoast Bank to build new office at existing headquarters on Colorado Avenue in Stuart - Treasure Coast News](https://news.google.com/rss/articles/CBMihgJBVV95cUxOaU9LcjkyQWQzVmRNR29VczRSTXlXN3hpWm4tOWlDMFAyYTRaakF0LWtGVk9EUUZXVUI5SFB1YnEtb2ZMSmVrNkFRYy1DNWlCMkxhakVCLWhuSUhaWHN5cXhEaXk4YVBPaFlXSFp0WXliVUMwWU9pbUFvTUJESDJCWG9vVDI0bGZtN2xIUl92OGpHckJkcDhPR1RZWVR1cmlRcGxHU2dsMUFTUGFZWk9wUk5CZXpmUm5SWVI0RkJTTl8xMjRrcGptVXEwSUZOMEhiV0c2Um5DbHBDTXBad3ZGMGUyckdPbzFZREM1WklsOThVQmZwOTVmT1lFSWRJb2FXcjVNamNn?oc=5) · Treasure Coast News
- 2014-10-01 [Seacoast Banking Corporation Of Florida And The BANKshares, Inc. Complete Merger - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOSzROWEpJWVZPUmROUGxUeS1wTF9McWtaaFo2T1Rjd2ZxaGtlWE1TcjdjWTdwNFV0TW5tdlU5Z1hWaWRMSDZrVDk0Yzh0RS1xT2hiXzRUb05VMG8tMElvSTZrWVhlSlI5SnlUTEN2MEVxbjRvbnNtNVhwTk82dWVPcUhORzFCcDk5RFNuejVpLTdGMGtxNmRSV1JUNW91d2QwbDZkUnRIOERvQTdFVWtjNkN0eUxXTURZTlE5bTJuRnNUMzFkcW5uRHppRGJVUFU?oc=5) · PR Newswire
- 2020-07-06 [BankFirst Capital Corporation completes acquisition of Traders & Farmers - djournal.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNaldZSjR4OWdUTnBBa3hUVlNtbjh5dUtNUFRJSUx6SVB6V1ZkdC1nUDBYdFRtOWxJN25MQzVkZUJ5Z2QxVURYLU14a1ZTcXBhUHNYNjU5enlYcVp3ejh5ODBjSEFsRG9xaDdCYUZUenJaMEdvYmNDemNTWktQQUhnbUZXbVVXRllmaVQ5OFRTTjBkYVNoSGd3MFh5S21YV3ZFVGxyeldnS1dqd3lhRC0yS3Y3V2drQWhhcU9YWUNXTG1BSHZLZ1JHY1plbDFwcnZfX3E4RllKb0JiZUlFQlE?oc=5) · djournal.com
- 2015-12-13 [Apopka native leads Seacoast in Central Florida - Orlando Sentinel](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMVdvZzBWa2hsdkg5MXVBT1l4SVkyOHE4M0dWeWxGUzd6YmMyX25ZcVZUcnAwczZyMDlnbjBINktHNFA3dHBLR0R2dEh5T05tNnAxTEF1WUYxTV9SaTczZ1h4bU1qYXN0N05YT2hSUl9yOXlkcjU2ZDJvczlrV080THl3a2cyVXFzaFF2R2VWTlV4ZzJzR2c?oc=5) · Orlando Sentinel
- 2024-09-26 [These 10 banks are the oldest in Mississippi. See where and how old - The Clarion-Ledger](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRnFiRjl6dlFjVG1lZVFfM29TMVpKaU9KV0xwY21Cb0RDZUJJVmNNR1AzVXgwLUgtZ3NkU3QwUlI2R0o0RFhQejUxUnRGUl9kOWlXZzZlN3VrbTN2WHk2X3I1V3FxdEFzcl9sYUxyRm4tb2lvUUcxck5lM0pzQzhvT1FGUEY4WERGWDNyVnpoUHBRbVpzTDB3MXlqOXpfVVhN?oc=5) · The Clarion-Ledger
- 2020-09-30 [Dale Dettmer ’71, Florida Tech’s First Jerome P. Keuper Distinguished Alumni Awardee - Florida Tech News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPVjVwSkhobUwyVDd5Z0VtektNN2U5SDYzaDRDcVBHc20wZ0JtTHI2Q2VEbzRQTG96UzdSVFdtUlVkX2FNSmpCVnA1czRuN3dyYm9HUzBpdXRyR0tBdENMVGU0X1IyZ3VPOWNaZVRlSlhwcUhURmxWeWhzU3Axc3VEOE9MTFU1MjBaNktvbE1GS1B6YTJBVkpmRG9vNmttT1cwQUwzNDFPNFhRMzNFdFE?oc=5) · Florida Tech News
- 2014-06-27 [Making oyster beds - Florida Trend](https://news.google.com/rss/articles/CBMib0FVX3lxTE1COWRLNlRCYy1udS0weFlWMzVLU2xtOGxzOXIwQktBWEgtRWJzNlJ5eF9yNm1rd3Vib2l4bnZNRkxzSndPMV9ZTjNLWnlWZ2dvUFJhdHRYZmRVY1Y1em80TkltRVIzT1hSMnBseHo3Zw?oc=5) · Florida Trend
- 2011-12-05 [Melbourne Attorney Dale Dettmer to Deliver Florida Tech Commencement Address Dec. 17 - Florida Tech News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcFNqdWptTjBxanpMT0Y3ellpdWdIMy0tYWhZX1c4cDM0Mm5SZl9LQkZ2Zlg5bE93NWVxckxzQTlMcFpXcWQyTE52c0hRc3ZHM05hcmNFemk5YW90QTlJNWZUUXNsVUtQckxmOGd3UGZHS2RzWDM3YjY0QmxuRzlwd3BhOXhrSmhyeF93TFRPcDJJNXFiQTJhRFRET2R4TkFMZExGTGNjejFnZnFDR1BQUllxVQ?oc=5) · Florida Tech News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27550 (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/30.json (key "27550", 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