# COLOMBO BANK
ROCKVILLE, MD · FDIC certificate 31555 · asset band <$300M · latest filing 2018-09 · 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 | $188.7M | |
| Deposits | $138.7M | |
| Loans and leases | $147.1M | |
| Total equity | $21.5M | |
| Loans / deposits | 104.47% (p92 of band) | 78.40% |
| Liquid assets / assets | 20.78% (p30 of band) | |
| Uninsured deposits / deposits | 13.49% (p41 of band) | 15.34% |
| Brokered deposits | 0.66% | |
| Wholesale funding | 15.50% (p91 of band) | |
| FHLB advances / assets | 14.84% | |
| Tier 1 leverage | 11.05% (p46 of band) | 11.34% |
| Unrealized securities loss / equity | -2.88% (p53 of band) | -3.15% |
| AOCI / equity | -1.31% (p56 of band) | |
| ROA (annualized) | 0.41% (p13 of band) | 1.02% |
| Net interest margin | 3.83% (p51 of band) | 3.82% |
| Efficiency ratio | 94.89% (p94 of band) | |
| Noncurrent loans | 0.98% (p64 of band) | 0.57% |
| Net charge-offs (annualized) | 0.11% (p83 of band) | |
| Reserve coverage of noncurrent | 155.40% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 68.57% (p87 of band) | |
| Auto loans | $21,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, securities losses >30% of equity, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 |  | securities losses >30% of equity |
| 2011-09 | 7 |  |  |
| 2011-12 | 8 | capital falling |  |
| 2012-03 | 12 | charge-offs p90, construction >100% equity, deposits shrinking, assets shrinking |  |
| 2012-06 | 11 |  | capital falling |
| 2012-09 | 12 | loans exceed deposits |  |
| 2012-12 | 12 | capital falling | loans exceed deposits |
| 2013-03 | 10 |  | charge-offs p90, capital falling |
| 2013-06 | 10 | charge-offs p90 | construction >100% equity |
| 2013-09 | 12 | wholesale funding >15%, capital falling |  |
| 2013-12 | 5 |  | leverage <7%, leverage <5%, deposits shrinking, assets shrinking, charge-offs p90, capital falling |
| 2014-03 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2014-06 | 4 | brokered >10% | charge-offs p90 |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 6 | reserve under noncurrent |  |
| 2015-03 | 5 | loans exceed deposits | capital falling, reserve under noncurrent |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | losing money |
| 2015-12 | 5 | reserve under noncurrent |  |
| 2016-03 | 5 | uninsured deposits leaving | reserve under noncurrent |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | capital falling |  |
| 2016-12 | 6 | reserve under noncurrent | capital falling |
| 2017-03 | 4 |  | expense ratio p90, uninsured deposits leaving |
| 2017-06 | 4 | capital falling | reserve under noncurrent |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 5 | expense ratio p90, reserve under noncurrent |  |
| 2018-03 | 4 | assets shrinking | expense ratio p90, reserve under noncurrent |
| 2018-06 | 5 | expense ratio p90, deposits shrinking | brokered >10% |
| 2018-09 | 5 |  |  |

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

- 2018-05-03 [FVCBankorp to enter Md. with Colombo Bank acquisition - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWHplOV94MUtuZVJ6X1ZNak9YWThYWXdWSGxJX1UtR0hQSklsY0FCWXdMZXBVci1BRGJNNDBIclRIS0dqcUQtSGFacTZNVWNPTXdURHJpU2ZvRFRtSjQ1MlhYUzVveGJxQnBCaUcyVVcxSTktRnF3WERoQ2lVZ2dKaWRZbzV0RFg2VVAzTTMteDhZZw?oc=5) · American Banker
- 2011-01-24 [Troubles continue for Rockville-based Colombo Bank - Maryland Daily Record](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUjZqOEJYSmduTkVSdWdDV3IwQVZLWjdqZVNGNFRGa2Zzc3k0ZE1Fa19XLXZBZmktUDN6OHB2MkxqenphcUZLV0ZQZ3dwcXJnS2hDampnd3lqakFoOU5UQUFQOHZqRnQ2UmpuZ0JlUUtJZHBvRS1yc2xVVnN4YlNWeHY1MWhCNkJkbGhaeVhsUjNINVE?oc=5) · Maryland Daily Record
- 2009-10-29 [Colombo Bank’s plans uncertain after OTS order - Maryland Daily Record](https://news.google.com/rss/articles/CBMimAFBVV95cUxNYkFJNUZoVG10RUxaOFc0VjZnZHA1S1hpbGt0RVdZTnA2OF9CQVlKMThGREFFeW9qMWhOdzVFS2NBdVVMWTAtTkw1QUh4Tk9mMHNVYi1Nd0tIQVNOUVZ3RGZkU004S0J1cDZtQWFyZzlteFhBQ0RsYnFpYms3ZDlCUkt2VUREYUVQMDk5eW5FVTNsajNySUltMg?oc=5) · Maryland Daily Record
- 2015-01-06 [D.C. siblings sentenced to months in prison for robbery of convenience store, bank - The Washington Post](https://news.google.com/rss/articles/CBMijgJBVV95cUxNcWlUUlRCVzdkNkx6S3kxQXJGSmtrd0JVV1NqSjFRTl81eFAzRkNXUTU2Nzhpbm15QkV2MjdkQ3ZVd1htaTFJdjZmU2pZMmgtRTBfdHFhSWlxSXB2SzR5d294R1Q3clhVRFpTbGFhY0tPakpUVTczb0RBTEFTWGhURERVRUtkamVtSE5EdEtiYlV5cndwQ2VtQy05eEZBMmF4cGNBUFAwZ1Q3N1pIS2prZkFQSDNBWHpYdmtMeUdkcHNsaXJGQk51dTQwVnhVdDNJVlhES25Mbll5d1g3S3hjeS1zNWdCbC14cHlhWHRqM3hmR1VSOGpLemJycFludVJfcjI0T1FQV0txVi1KdlE?oc=5) · The Washington Post
- 2022-04-11 [Morton Bender Obituary (1933 - 2022) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUF9Edm9OdmpnUS0xa3kzRHhHYzZEUFpEMElMNHN3V2ptdndLVWR6NEtLVnlSd0M5X2FvYS1mVFZBWkhlenpxT3VVaFNqam1hOF9nZFptUjVSSHZOeEtkR1hBYkQ3bkRTRTRyaHNEQ3BXNjlUd2JBLXhwZkRha1VVLVpxOEoyd2xQaUJFaERTeFlMRU9icnc?oc=5) · legacy.com
- 2014-05-30 [Four siblings accused of family crime outings in D.C. and Montgomery County - The Washington Post](https://news.google.com/rss/articles/CBMihwJBVV95cUxQb0NGcG5MWEhUSEQ2Y0RnajlGX1dTNENyNkJjcEtXeWhpM3lMUy1QeUpnbDBjOXlwVXJZSEJHOUlZLW5JeWM3SmR0VW9RUjdXRmtNbEZRcmUzY3QyUVZSd2JUcXZPeEZuZnZ0b3B2MnNHUG5XbjRXbEt5T2dORnBCdVNIWTMtb0FJZzA1cm82cTljMTB3cmhwWDQxcnk1RnBCeGR0ZzktUWVLRkM3MWRydWhvMjRPUDQ0RmJ0LTN3aVBBUGxhN1dKaUp4Ri1MbE0tYXczWlJNaFZVY3VVbmNiMTM5T05DTzhMT1hIZlRLMk5tN3hLRzVKSDE4RUVBYVFyMnRiS2Nmdw?oc=5) · The Washington Post
- 2012-07-04 [It’s movie night in Little Italy - Maryland Daily Record](https://news.google.com/rss/articles/CBMiekFVX3lxTE1GYU9MNjRxOTFxaXB1SFRjcFJDaC0taGVxU2JpN1N6bXAydjNjR24zSUFyQlMyN1U1Zy03VHl3OUdPUzd0VmlzMkw4LVRQU3dzRW9DUS01QWZUNWxhNWZtRnREM1BjNVZzRnJRWE9mVmdMRFRlM3ZFcGZR?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31555 (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/3.json (key "31555", 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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