# KOPERNIK BANK
BALTIMORE, MD · FDIC certificate 29901 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $144.9M | |
| Deposits | $99.7M | |
| Loans and leases | $109.3M | |
| Total equity | $39.2M | |
| Loans / deposits | 109.42% (p96 of band) | 77.51% |
| Liquid assets / assets | 19.72% (p25 of band) | |
| Uninsured deposits / deposits | 3.12% (p3 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.76% (p55 of band) | |
| FHLB advances / assets | 2.76% | |
| Tier 1 leverage | 25.87% (p96 of band) | 11.30% |
| Unrealized securities loss / equity | 0.05% (p94 of band) | -1.85% |
| AOCI / equity | -0.08% (p75 of band) | |
| ROA (annualized) | 1.31% (p70 of band) | 0.99% |
| Net interest margin | 3.89% (p54 of band) | 3.82% |
| Efficiency ratio | 53.53% (p10 of band) | |
| Noncurrent loans | 2.54% (p89 of band) | 0.53% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 6.05% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 24.26% (p59 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -17.4% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | securities losses >30% of equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | losing money, charge-offs p90 |  |
| 2013-06 | 2 |  | losing money |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 5 | deposits shrinking, assets shrinking |  |
| 2015-09 | 6 | uninsured deposits leaving |  |
| 2015-12 | 3 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2016-03 | 4 | deposits shrinking |  |
| 2016-06 | 3 | charge-offs p90 | uninsured deposits leaving, deposits shrinking |
| 2016-09 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2016-12 | 4 |  | charge-offs p90 |
| 2017-03 | 4 |  |  |
| 2017-06 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 7 | wholesale funding >15%, capital falling | assets shrinking, uninsured deposits leaving |
| 2017-12 | 2 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, wholesale funding >15%, capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |

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

- 2010-08-12 [One-branch wonders – knowing the market helps niche banks thrive - Maryland Daily Record](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOGtzSEJjT3h1OTRzcUhTMDhtU3JGeEtVUlg1YzJGTzQ5WkwyUjM3aTlRbzQzMWpCRm9wVllIZXpSUno0MXJEX2lXTjlxZVFRSVhJRDJJZnJkOWhHemZBSmswREZRMWVPMnhPczk5SG9Oc0Ywa2FubVpJVG5ORWQxTDNrRkJlclF4MmRfSDNVakRSNWQydWVkeW11ako2SW1fUmc?oc=5) · Maryland Daily Record
- 2019-03-15 [FBI Offering $5,000 Reward For Information About Baltimore Bank Robber - CBS News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUTdfTDlvTUM0VmJ4N0M0STVDSXRnSVlQZUFVMnNtMjY0RUlic01GNzVYeU1HYVpNd2l5Z2JGUHE5amhOWmhYelhNaEQ4NlNHMjlMREpPekh1WHNfbWJJbnR5d0ZXYlQ5SzRKanZqalpzS1p3X2JVS1lkby1GQlF5aloxa0ZpNjJw?oc=5) · CBS News
- 2022-02-10 [Tim Prindle, Co-President & CEO of BayVanguard Bank - 93.1 WPOC](https://news.google.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?oc=5) · 93.1 WPOC
- 2022-12-02 [BayVanguard shaking up branch presence in East Baltimore - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPTVM0N3RyLWhySnRNMDNXUlI0X3B2WVppQWhvZGVHTGV5Z09TYTdCeEUxZ0EyTHd4RHliSF9yc3RxRDJTeElndzRJT29CLUtjVmNkbnJqOE1NRkZGQ1d0OGJmTy1nckhfRGpoSk83OVFheUZTSGN1aFhfWG1HVlVYcW41QXFMaUlsR05vTkVKaGcxNzJna05SYUo5a25adVdfWkpqVA?oc=5) · The Business Journals
- 2025-03-29 [mBank and Commerzbank prep pan-European challenger - FinTech Futures](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeGJDUG8xNnp6V0YyT3g4cm9mZk51N0JVZHhYU2h2RVBWdHBVdVhBRkxtNUFKQWRpb0Z6NDRYa3ZJY0NVbjU4OVJlWVF3VVZ3TkpsZHZ2RG9pMU5vNjNJaGt3V1QteHluN3pXZVdZS3IyMjE5SlJWZWI0QWtVa2MySFlkNEdjNzhaN2pGMlFyNnBWSzhrRHhaSQ?oc=5) · FinTech Futures
- 2019-01-21 [Banks working to be one-stop shop for customers - Maryland Daily Record](https://news.google.com/rss/articles/CBMijwFBVV95cUxPOVFoMlVHRGRpdEh1T01LSlFnOWtIT2pJRi1nYTJqYlhnQlJWQjBjc0dReFplTUQzZ3BIX2JzaU5pT1piVXZRQ2RDaDhySGktekRMM0tjZmtSYWFaM2x0MUVLaDNha21zYk43aXJ1eEctOFFrYm15ZHFmaFlGRjZHNjB3YU5IdFBzQUNSVUFKWQ?oc=5) · Maryland Daily Record
- 2018-10-12 [Reward offered for info on Rosedale bank robbery suspect - NottinghamMD.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbHdCeFZLWDk0RkFaSTVlaEJ6TmlOdWhGREZYLTBWMGdyNzJkb0ZfUlBMbWdLeDQ0d2hCS3J1ZDd2NXJUZWFiX05idkhqMnBBd0dpLWpfWlpKLW00U1NzSlhCRS1EYmNjRlUzcE9wMFIyUlEwZnNKN1pVUUx4eGxKQzM3UHNwaTR5VUN0YnEyLUhERDFrRWJZYQ?oc=5) · NottinghamMD.com
- 2018-10-12 [FBI Baltimore Seeks Help Identifying Three Separate Bank Robbers - CBS News](https://news.google.com/rss/articles/CBMipwFBVV95cUxOMFZlUUpoVVZ3bmJWT1NFT0U4Y0JqT0xpSEtZY2JMbDRCV0prcTZIYVhLZzNVaEJxY3l1Mmh1SWVjemNwUnZMTkVHWjI5SGVCREJscEtucE1mOW5maWpaWlEzMG4yNXAxazdWb0JQVGZQelhSNWN2MzdEUGhFSk5oUUJnajNEa3RjR2hGZkNmYVRzMURJYW1JeElzMzZpNmlOcUNCeURPSQ?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29901 (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/13.json (key "29901", 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