# SLAVIE FEDERAL SAVINGS BANK
BEL AIR, MD · FDIC certificate 32368 · asset band <$300M · latest filing 2014-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $140.1M | |
| Deposits | $111.1M | |
| Loans and leases | $91.9M | |
| Total equity | $2.9M | |
| Loans / deposits | 79.06% (p71 of band) | 68.03% |
| Liquid assets / assets | 24.95% (p26 of band) | |
| Uninsured deposits / deposits | 3.21% (p8 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 18.31% (p96 of band) | |
| FHLB advances / assets | 17.85% | |
| Tier 1 leverage | 2.09% (p0 of band) | 10.34% |
| Unrealized securities loss / equity | 0.24% (p67 of band) | -0.15% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -1.30% (p2 of band) | 0.74% |
| Net interest margin | 2.36% (p5 of band) | 3.59% |
| Efficiency ratio | 145.74% (p99 of band) | |
| Noncurrent loans | 11.71% (p99 of band) | 0.94% |
| Net charge-offs (annualized) | -0.36% (p2 of band) | |
| Reserve coverage of noncurrent | 37.09% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 182.86% (p99 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 | -12.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **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 | 2 | losing money |  |
| 2011-12 | 5 | leverage <7%, capital falling, expense ratio p90 |  |
| 2012-03 | 7 | noncurrent p90, charge-offs p90, deposits shrinking, assets shrinking | capital falling, expense ratio p90 |
| 2012-06 | 8 | expense ratio p90 |  |
| 2012-09 | 9 | capital falling |  |
| 2012-12 | 13 | wholesale funding >15%, leverage <5%, construction >100% equity |  |
| 2013-03 | 13 |  |  |
| 2013-06 | 13 |  |  |
| 2013-09 | 14 | uninsured deposits leaving |  |
| 2013-12 | 14 |  |  |
| 2014-03 | 13 | NIM <2.5% | charge-offs p90, uninsured deposits leaving |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2015-05-30 [Soured loans deepen Elkton-based Cecil Bank troubles - Baltimore Sun](https://news.google.com/rss/articles/CBMimAFBVV95cUxNZkUxZ1ZYVjZwMEVkLXJDd0lGblcySzktYlVjd0ZPLTN6Z2JjT2c4aHRucmozeXFxNU8wQmFza1g4YmZZR0V1cXRuVW1YRnVOcU94T1R4RlFuTW1YYi1TZ2I3ZGUtY0FNSkRRUmoyTFNfRERqQXhpbDdzM3lsZ3FPMnc0OEs3Q2N3MXplamYtWjlBbUZLZk5nWA?oc=5) · Baltimore Sun
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2017-09-27 [Old Line Bancshares to acquire Bay Bank for $128.6 million - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPeHdpNkdFcDdabkxUdGtpTVR6cXQ0SG1UNnd6NlRZNXhTVmJYYUl1d3JpR1VLTTM4MnNhcDBudWsyemtaZFlKOVlSVUVGRHpkVXFxSUkwWVRlaUxocWdaZk9Hc09MSnhpejJqZlJaM2dZS3J3U1FuRkF5ZTdaOC1XVG9iYjY3am5VUU9IaTRmcVU1Qk9oa214YWgwNExzODNpZlVRanAtaw?oc=5) · The Business Journals
- 2012-03-09 [Names & Faces - somdnews.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOU0ZablZPWm1TaVhJNXpDc2c3ZjZCdzVRYm01aVQ3aVJEakRjSzhFeUM4SnMxLXRzWF9iSVR5VTNOb3NjMXc5TUhrQVF3SlNzNzc4VGdPYUJYYnpsUUw3XzFpNjFYcVF4cVl5QkptY0tIVFV3ZWdudmVhc0g0NzJnbTdYRWpLcHp2VUl3RTZ3eEVtS0lTZ3V5UVlhNmdRVEh1?oc=5) · somdnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32368 (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/48.json (key "32368", 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