# ADVANCE BANK
BALTIMORE, MD · FDIC certificate 31372 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $54.2M | |
| Deposits | $43.4M | |
| Loans and leases | $40.5M | |
| Total equity | $5.5M | |
| Loans / deposits | 91.93% (p88 of band) | 69.26% |
| Liquid assets / assets | 14.58% (p8 of band) | |
| Uninsured deposits / deposits | 3.63% (p10 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.23% (p82 of band) | |
| FHLB advances / assets | 9.23% | |
| Tier 1 leverage | 9.00% (p25 of band) | 10.33% |
| Unrealized securities loss / equity | -5.92% (p18 of band) | -0.53% |
| AOCI / equity | -3.72% (p45 of band) | |
| ROA (annualized) | -0.16% (p8 of band) | 0.77% |
| Net interest margin | 5.11% (p96 of band) | 3.62% |
| Efficiency ratio | 110.01% (p95 of band) | |
| Noncurrent loans | 4.63% (p90 of band) | 1.08% |
| Net charge-offs (annualized) | 0.17% (p72 of band) | |
| Reserve coverage of noncurrent | 31.73% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 0.00% (p7 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 | -13.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 6 | capital falling, noncurrent p90 |  |
| 2011-12 | 5 | liquid assets <10% | capital falling, noncurrent p90 |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90, liquid assets <10% |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | losing money, expense ratio p90 |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |

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

- 2022-08-22 [For decades, African American communities have been without enough local banking storefronts - The Baltimore Banner](https://news.google.com/rss/articles/CBMiggJBVV95cUxNWWZtQ2RQLWkzWUZpVDJRdjdDeHMwbjJucGdWOFhyWFY2OS1Kc2tHMWFRZ2QwcjlnLWY5U01LZXR6Ui1jX0ZNaHNvcmlqNWQ5RmgyVHZCempldFhEbTZIN1Q0cnNPM2N4NENzWG1aLS1odUpxNmpBOV9vS0NhSXhaY1BZc2RxTUx0Q3hob0JhZS1pVUcydkJGSHN5dFhlQktiRkQ0YWwwWEJMMlZGNjU3V0gtcm8tREdYZ0JaY2lQdDhkR0sweXFKYkh0N1dGRG5FNl80V0dhSDRVSGdEUXYzMUJHU2N5RXMyb0ViN1BnSElpUk1FWmY2ejVrSGZJQ1M0RlE?oc=5) · The Baltimore Banner
- 2022-06-30 [JOHN HAMILTON - Maryland Daily Record](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1NdmJJcGtUVmhmSlZDRi1FUzhFakc2MVphMlU4RTF1ZmZNRnJIcE9VSVhsN3RUZktlMUFVNnFpeXVOS2IydWxVM05qZnk0MklHbTlUQldzSWd5R2VvVkViOXdHVFQ?oc=5) · Maryland Daily Record
- 2011-10-21 [Advance closes Berean Bank branch - phillytrib.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNaGI5TVZ6TzFyWjQ2NHI3YlpLQjRiQlYyQk5lV3lLTHpVUjRacFpmYzFWaTZBUFV2R21rUWZ4cTNaZnRkY3ZqUWVKMnZ4UUxQUmdXWFFsZUFhQm1kOEVVUUtsamREbDc5Wmx2ME5jLVUwZTlSalJmMXdIZ1lTdjdzVGZtOG4xS0NDa0JkN2pwc0ZTNXI0YjFKZUFZdW9mMTJQNUU5RS1XOTEya3lLRGp6ZVJEbGNFSGJTVW13Rlh6Y2xFUQ?oc=5) · phillytrib.com
- 2023-07-31 [John Hamilton - Maryland Daily Record](https://news.google.com/rss/articles/CBMiZEFVX3lxTE15ZjJvX1F3dTFaTkNsRU1WMHRUaWM2OUxRSHRmS1FIOXhXUVFvWVZFWXJaejEtLUtoeVhwQlV0YVZjdUxsSVM0a3VNNWtuUW5hNVR4Q1RhcmRiQlJTU0hDMFc4b3o?oc=5) · Maryland Daily Record
- 2026-04-27 [Non-Performing Loan Ratio Peaks in 2025; May Rise Above 10% On Energy Shock in 2026 - Kiripost](https://news.google.com/rss/articles/CBMirwFBVV95cUxNN2NJYXpEckpDNE1SbENlV3pNcDdINFdRRng1anM5VzBWRVhCTHAwR3Vac1N3VnBCN1ROelJOc19hbllZTGVQLVJmekpRNm9xYm80YTdwVXFEcUdybXl4c1FkekVSSy1RWEZVVXhaeGxwTHpiYXRvSjhzQ3RXQktzaXI5MV9vemVzYVR4X0pCcS1GcTA1VVdYbURCdnVTWHh0cDhfLWt1RWxFUGlOVTFz?oc=5) · Kiripost
- 2019-09-23 [Advance Bank Australia Limited (ASX:ABA1) - intelligentinvestor.com.au](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNHRLTUtBNzMzZW1jcVJOMUpKbEF2eGdGOTVJbWNaTEx2R19VM3IzaG5JOXh4RVBrM3RSdEVLRFBNWUpMYnZUMUp4djRoNzVEVzJHVVAySkR4eFgzMDRMYXJTSl9Da29PWC1BWjZ3Qm5taXpaMENHRUJzUi04YThFU3l4WURnRUh2SjB0cWt3?oc=5) · intelligentinvestor.com.au
- 2026-02-25 [Abrupt ouster of Ahsan H Mansur draws sharp criticism - The Daily Star](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQTAteHNFYzU3T0Nka1BRZVR2dUVJcklYM2gxckJQeVFYQnVZMzF3Y0h0UDZkVDNmS0IwaHl2OHJkOXg3NTViN0ttY2lWMTdxMVFCcTNGNlQ4ZncyU21ndjdWVjdoVC1jMEliRmtKVXZCVUJRZEJFd1JCLV9Kb1VzYTFncDZqanZkVmRrWkdaUG5tYmt0SzdxRUdZejg0aTRhYVoxWmNJcXhUMW1Fenc?oc=5) · The Daily Star
- 2025-03-07 [Press Release Distribution India - Business Wire India](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWDJDcXhsLTQxZTdNbU1OMTRpeTFwMU1kWk9XYXR0RkRlS1lSNXZvWjhmQWFCRWc3VENIcHdkWTJqRDgtUlNwVnFrRnBXdHlpNE5GZmRrcUNqaWJRWDlZUFZGN20zRDdnMFJDUGppSkJtdl9BeV9kdW41NnVWSmxhbVhYdE1iYnF5TlZKanF2VlRESGF1OTJIVFpOLUhDUm53Z19LcE5n?oc=5) · Business Wire India

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31372 (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/12.json (key "31372", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide