# FAIRMOUNT BANK
BALTIMORE, MD · FDIC certificate 32369 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $77.2M | |
| Deposits | $54.8M | |
| Loans and leases | $55.2M | |
| Total equity | $12.1M | |
| Loans / deposits | 99.51% (p92 of band) | 72.67% |
| Liquid assets / assets | 23.70% (p29 of band) | |
| Uninsured deposits / deposits | 1.35% (p2 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.14% (p89 of band) | |
| FHLB advances / assets | 12.95% | |
| Tier 1 leverage | 15.48% (p88 of band) | 10.53% |
| Unrealized securities loss / equity | 0.33% (p55 of band) | 0.18% |
| AOCI / equity | -0.65% (p32 of band) | |
| ROA (annualized) | 0.59% (p33 of band) | 0.82% |
| Net interest margin | 3.76% (p60 of band) | 3.60% |
| Efficiency ratio | 66.57% (p34 of band) | |
| Noncurrent loans | 1.80% (p75 of band) | 0.74% |
| Net charge-offs (annualized) | 0.23% (p89 of band) | |
| Reserve coverage of noncurrent | 67.80% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 41.38% (p76 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 | -3.0% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | loans exceed deposits |
| 2012-03 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2013-09 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2013-12 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 | losing money | uninsured deposits leaving |
| 2014-09 | 3 | uninsured deposits leaving | losing money |
| 2014-12 | 5 | loans exceed deposits, wholesale funding >15%, deposits shrinking | uninsured deposits leaving |
| 2015-03 | 1 |  | charge-offs p90, loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2015-06 | 1 |  |  |

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

- 2010-08-12 [One-branch wonders – knowing the market helps niche banks thrive - Maryland Daily Record](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOGtzSEJjT3h1OTRzcUhTMDhtU3JGeEtVUlg1YzJGTzQ5WkwyUjM3aTlRbzQzMWpCRm9wVllIZXpSUno0MXJEX2lXTjlxZVFRSVhJRDJJZnJkOWhHemZBSmswREZRMWVPMnhPczk5SG9Oc0Ywa2FubVpJVG5ORWQxTDNrRkJlclF4MmRfSDNVakRSNWQydWVkeW11ako2SW1fUmc?oc=5) · Maryland Daily Record
- 2018-07-03 [September - The Avenue News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQWJtanJJblRTYXpoSDhxTXh0TktmTlFVYTFZMEp5NEVtcE1LMjk5TEtGNWpZQnBWTkRoZHY5MlY0czRTM0R0dGZwRVFONGFkUkQxekoyZXVnTm12dVUwSFNuVmp5MWlsRHhvOWdZb3pGNHM2RzRSamFkRWo4ckpIdmcxX1diR0s2OWZSemhSYWx2eEw3S0E?oc=5) · The Avenue News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32369 (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/49.json (key "32369", 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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