# BANKATLANTIC
FORT LAUDERDALE, FL · FDIC certificate 30559 · asset band $1-10B · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $3.81B | |
| Deposits | $3.45B | |
| Loans and leases | $2.31B | |
| Total equity | $280.4M | |
| Loans / deposits | 65.19% (p24 of band) | 78.24% |
| Liquid assets / assets | 33.75% (p65 of band) | |
| Uninsured deposits / deposits | 5.41% (p14 of band) | 17.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.60% (p12 of band) | 9.58% |
| Unrealized securities loss / equity | 0.50% (p18 of band) | 3.68% |
| AOCI / equity | -0.21% (p14 of band) | |
| ROA (annualized) | -0.56% (p5 of band) | 0.87% |
| Net interest margin | 2.82% (p13 of band) | 3.66% |
| Efficiency ratio | 94.30% (p95 of band) | |
| Noncurrent loans | 11.47% (p95 of band) | 1.93% |
| Net charge-offs (annualized) | 4.93% (p100 of band) | |
| Reserve coverage of noncurrent | 22.52% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 33.28% (p54 of band) | |
| Auto loans | $1.8M (0.08% of loans; DQ 4.92%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 914 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | leverage <7%, losing money |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 9 | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2010-09-12 [The War Between an Analyst and a Bank - CNBC](https://news.google.com/rss/articles/CBMif0FVX3lxTFBKcTJsaGs2UV95QTBUTnNkaWo4M2xHODN4U1JCZTRUY0lxMWdIdU81UDdpSzJEN2p1OHFUYlIxRjE3ZF9xcS1UVHRUWUxUckFuNUdSbEJ1djJaYnd2Y0pKMm5CVmpENjdydXRwTWg4bGdKTGdTWEZDdDBncVVROVk?oc=5) · CNBC
- 2012-07-31 [Regulators Approve Sale Of BankAtlantic To NC-Based BB&T - CBS News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMUJvelFDT0pJdjJOemtRdFV4MmR6NXFFSk1NSTVVdXFLcjFhNHMwUlEybFRoWGJuS2tGY1dheTlwa2Q3VmZXWVV6anBLS0djRUJzcllsTzh2YjNERkl6aXM4RlJBQ1BXam1LLV9HR2ZJZlpVN0dUTmlxUUttd29zOGNUc1lEdGlFemxlZ05YLVpGSThOV2c?oc=5) · CBS News
- 2017-01-11 [Regional Banks Face Scale Issue with Florida Acquisitions - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUU9hOFZKWTRTRDJuVmJ3WGZQOU0tRmJEMW1tbURJeEZpUUNMbTBrNU1jeU1nNWlHYXVoVWpzR05HejIwLWQwRUlOU1Bwa0ZKQU5qVUtSSWt5QjdDdEZFYWd1dUhqWEFRZGhFWnhPV0JxOEExc3k0ak5XdHBHcHJnVy0xdnRRSnY0aTVSUU4wNm0tX3UxT1c1VA?oc=5) · American Banker
- 2026-03-31 [BB&T receives final approval to acquire BankAtlantic - Law.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTFA2RF9SclFaSkphcUtfT0pqemxMNDJvaHZjTHhubWgxbk1HbTJMckxRUDEzNG1odWd2Tnk3aC13b2VveGZESWFFemVuXzZRd2llMFpXV1czdUJRQlpt?oc=5) · Law.com
- 2016-01-29 [BB&T Buys BankAtlantic for $301M - Fox Business](https://news.google.com/rss/articles/CBMidkFVX3lxTE5lbVJkRC1ZYmx4bU91ejRlbVQ0b3FvWFMwb3R1VjZtUFhvM0hWazJSUzdpSmN0SmdBdUp3M1ROTWZHNDczeFFISjNtZmc3QkdUTU5zZXhNbG00WHo0RWExa1Z0bXNfOTFaaHpoZGhkUk5LZ3lSWEHSAXtBVV95cUxOdnRwaFRLM0RCVUZjcW5SaGZJZHJQcllWRTlrUDlSeExUczlZNW5CdTZOa3Vrc29tV0oyWTBjYjhpcVlia0lfLXVWZ1dxTzFjZHdUUk12Wkd3VlpFNE1FcW52cE56LXFxR1c3ZVBqNjBrZnhWVDBqNEFZR0k?oc=5) · Fox Business
- 2013-09-30 [Alan Levan is un-distressed - Florida Trend](https://news.google.com/rss/articles/CBMihAFBVV95cUxQUjQzTFRCZVl1WG5RUDZqMk9zbXl4QmhrMDYxRWJUVjZZMElCQ2czcE00TEFnTGNFazFIcUc4RmM0SUZPNnBRMmstbGdqSGZFX2FBZElZTUJ1clZiMUdqY1hzR0ZORXZTemRLSXg2el9ZM2NTLUx0SkU2R2pWUGdQZ2ZWNGM?oc=5) · Florida Trend
- 2023-09-03 [Goodbye, FLA Live: Florida Panthers Have New Name for Arena - floridahockeynow.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOV0d3WlJCMEJnU09RZjcwWmszejVGQjMyY0Q1Vk9PMmduc2JadkpuWG1SNnpDMlZaSWlOTnZUclVEcTRGdl81RUJvLWNEY2NrOUQ3Qlh5YWd4LUdjbzFmeTF2QnhvcFhvME9Za19KNUVyTFBrYUtmdkZ0bFdxemJqaGYtbmZPTG96RFVzdlN0YVU?oc=5) · floridahockeynow.com
- 2023-09-03 [Panthers partnership with Amerant Bank may soon include new arena name - The Hockey News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOZmR3S0JMOXpxa0c1MTZDVmNpeXFHSEtjUFlnY1RCN0NHdUtUSEQzOTFDNjFRaUlaVHB5TEdlVThrVHItYVVzMGtkWW55OHFtdXhXTUtkMnV4dmhWeVpsTFhicHE3a0ZuWU1kTUdyaDN3VzVvVEJibXZpMXVGeHdnX3VKNEwtWU1xVW4wVG9KWkdrWndKeUJDdWs2aGdwRk04aDI4b1Z4dkl3WG9hNVdDU2pVTzRONUU3am03VjRpaXdUOEswNnRNTw?oc=5) · The Hockey News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30559 (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/31.json (key "30559", 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