# FEDERAL TRUST BANK
SANFORD, FL · FDIC certificate 32580 · asset band $300M-1B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $322.1M | |
| Deposits | $205.8M | |
| Loans and leases | $171.5M | |
| Total equity | $85.9M | |
| Loans / deposits | 78.33% (p52 of band) | 77.91% |
| Liquid assets / assets | 17.28% (p16 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 12.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.76% (p52 of band) | |
| FHLB advances / assets | 7.76% | |
| Tier 1 leverage | 11.63% (p82 of band) | 9.49% |
| Unrealized securities loss / equity | -1.16% (p7 of band) | 4.04% |
| AOCI / equity | -0.28% (p7 of band) | |
| ROA (annualized) | -2.97% (p3 of band) | 0.70% |
| Net interest margin | 6.09% (p99 of band) | 3.76% |
| Efficiency ratio | 212.61% (p100 of band) | |
| Noncurrent loans | 13.99% (p97 of band) | 2.16% |
| Net charge-offs (annualized) | 0.20% (p40 of band) | |
| Reserve coverage of noncurrent | 43.19% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 8.57% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 81 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90 |  |
| 2011-09 | 4 |  |  |

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

- 2011-05-23 [Davenport-Based CenterState Adds Another Bank - Lakeland Ledger](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOOVRXTllndldjMnM0bzlSeUpIN2kycHdJUDFBVFVFYTdybG0tSHVTUkJ6V2JzYXdkRWxTYXZlNXYwdTFxdHZRdGcxQW1tNEpZVFB0VHl5cHdBTjRiTlFvTm5yTTVSWlFZeE5fTG5KRkx0MWNZLUE3eWhkQ1JTbGhBU1RDU3p5ME4ySV9wby1yN3RrT1FxX25jMFVjRVZJMVRKT1BtaWFJRjg0QQ?oc=5) · Lakeland Ledger
- 2026-06-16 [Trump-backed World Liberty Financial nears OCC approval for federal trust charter: report - The Block](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcGI0ZXNNUC1QODE2UWJIQ1pBMFZ4ekNfUG1vUGVqaWtXN2hxNmN4TFhDa3VNVWNSd05acUotcWdCMVhKQ2F4dDI0SnpNX25tUHE4NWJ3eG5iLXZKSUd2cnlsZHNCanRwc1FsZkRlLUViTU9jbnUwM2Etajk2WUJTYzRibXFkekE0UFJSblVxNk1xR1FrQVVVYm83d0pmZHNMR2c?oc=5) · The Block
- 2026-05-26 [Marcia A. Zdanys Obituary May 26, 2026 - Randall & Roberts Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBuT3lyaGVEb25CaVFOMDE3VGROR3VzZDdGdEFWU2pxUXlfdDlJTHJPM0dpTVB5Qm1NNEZVX25DanpIY1Y3QnFtVlFMU2tPZGVqSnd6WHVyNmR6UWd1NzJZOWl5enVUUQ?oc=5) · Randall & Roberts Funeral Home
- 2026-08-14 [World Liberty Financial gets OCC nod for USD1 bank - Crypto News](https://news.google.com/rss/articles/CBMie0FVX3lxTE9ZVlI0LWVSWmJDV1NRWFhYTUFBWnhmU01pR1FYLUNWMmphbFlJQnAtZlpmX0JDNEI1aDBmWTI1WjIzZXR1X3kycmQyRFBLaDFRX254WDZmTkV5STlncjVvM1NvWnRQTVVWZDZhQWkwdFkyUmNCRVNGTXo3WQ?oc=5) · Crypto News
- 2008-11-17 [Hartford, 3 Other Insurers Seek to Buy Thrifts to Obtain Bailout Funds - Insurance Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE12UTlmQWlXR0VSbXI0T19HcGJkVkFpSU5wMFY3SE5Vd1lrYUw4bUxBU2d3bG9sc0RqVU8yMFZ1SXZDMEZUaUNFelNDTGxISk5xMWJCVmxZVHVWaWhZVlluWm85eERJUHBra3BObXVscTlqVGFNVlE?oc=5) · Insurance Journal
- 2009-05-15 [6 life insurers qualify for bailout money - CNN](https://news.google.com/rss/articles/CBMidkFVX3lxTE1xNGk0Tlc5YXhRblEyOExIclRRTEhkS1dnNTFUMUhTM3NSbHVKbjJMa1JHcU9NbFlQNTB1eWpwZXZLYzh5M2IzR0IybWllV0N4S1IxdDRkeDlZQmVEX2plOFJxd0RiR3k5VjhDZnpfSE1yNzRtakE?oc=5) · CNN
- 2024-04-30 [Obituary: Phyllis Anita (Boynton) Chamberlain - Centralmaine.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOWE8yZ0hmak5ZMzVvWUR1VnVZT3EzMmlHVGltYjZrR24tYkRiUWVaYUJSanl5b3NGemVxRGtwLXExWDFINFM2OFZyNnpkZUJQOGIzV0x1Vlp3VGh3ZHNibVB0SExoM0N3bmNQcy1sZnhXRTc0Z1ZmRjBlVkJZeTNWSFctUmhEbEdZNEZaNA?oc=5) · Centralmaine.com
- 2007-04-19 [Kevin Anderson Obituary (2007) - Daytona Beach, FL - Daytona Beach News-Journal - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdml3NzRTWURaS3RoUEduZW1xdXZ4eDVySVBiUjNUcmJlWHA5eEU1bzdmWEs2RE9VT0xMb3RwN3c5VVJMblBGcnl2V3dQVUJ0aDZNU0JJb2ZFN3F2MTFJeHRhRDdUU3VGVW5rLVllMmRkTkc3dVo1NmdwYnBFT2FmTkpxRDhuOFZ0YWE2VG1jdUNiZ3FKTVgxTzQ1eDc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32580 (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/4.json (key "32580", 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