# BALTIMORE COUNTY SB
NOTTINGHAM, MD · FDIC certificate 32341 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $604.0M | |
| Deposits | $534.8M | |
| Loans and leases | $324.1M | |
| Total equity | $63.3M | |
| Loans / deposits | 59.95% (p18 of band) | 77.63% |
| Liquid assets / assets | 40.01% (p77 of band) | |
| Uninsured deposits / deposits | 4.99% (p5 of band) | 18.22% |
| Brokered deposits | 0.62% | |
| Wholesale funding | 0.76% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.03% (p71 of band) | 9.92% |
| Unrealized securities loss / equity | -12.21% (p8 of band) | -1.24% |
| AOCI / equity | -9.41% (p17 of band) | |
| ROA (annualized) | 0.42% (p18 of band) | 0.83% |
| Net interest margin | 3.32% (p32 of band) | 3.59% |
| Efficiency ratio | 78.38% (p72 of band) | |
| Noncurrent loans | 2.80% (p82 of band) | 1.18% |
| Net charge-offs (annualized) | 0.07% (p42 of band) | |
| Reserve coverage of noncurrent | 38.36% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 45.10% (p64 of band) | |
| Auto loans | $318,000 (0.10% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 133 | |

## Flags firing in the latest filing

- **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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32341 (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/21.json (key "32341", 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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