# SURETY BANK
DELAND, FL · FDIC certificate 33026 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $213.7M | |
| Deposits | $189.6M | |
| Loans and leases | $102.7M | |
| Total equity | $23.8M | |
| Loans / deposits | 53.46% (p23 of band) | 73.59% |
| Liquid assets / assets | 47.93% (p76 of band) | |
| Uninsured deposits / deposits | 28.63% (p78 of band) | 19.81% |
| Brokered deposits | 4.71% | |
| Wholesale funding | 4.71% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.24% (p65 of band) | 11.76% |
| Unrealized securities loss / equity | -19.79% (p23 of band) | -6.57% |
| AOCI / equity | 1.89% (p98 of band) | |
| ROA (annualized) | 2.06% (p87 of band) | 1.17% |
| Net interest margin | 3.60% (p33 of band) | 3.93% |
| Efficiency ratio | 61.41% (p38 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 576.65% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $19,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 4 |  | construction >100% equity |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, reserve under noncurrent |
| 2012-06 | 5 | losing money |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking, losing money |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | AOCI drag >20% of equity |  |
| 2014-03 | 6 | capital falling, losing money, assets shrinking | AOCI drag >20% of equity |
| 2014-06 | 6 | deposits shrinking | capital falling |
| 2014-09 | 5 |  | noncurrent p90 |
| 2014-12 | 4 |  | losing money |
| 2015-03 | 2 |  | charge-offs p90, assets shrinking |
| 2015-06 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 2 |  | assets shrinking |
| 2016-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 | capital falling | uninsured deposits leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | capital falling, reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | reserve under noncurrent |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | assets shrinking | reserve under noncurrent |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking, assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 1 | securities losses >30% of equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2022-02-10 [Surety Bank finds niche serving clients that other banks shun - Florida Trend](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUjBSSzVka1N3TFlhdUVZdFNxV0g4RGEwLWVVWGNYVjNNOXdxQnFWNE42eEQ5b0thOVh4ZmlPM2h3Qy1Sd2t0OTRkZGExRTVNRWk3dDlILWtDbzkyemNuZnVSNHdtVDRSUmlUSmdQQ2J3WHJHTF85czdPMTRzLWctQXgxMDNKNl9Vb2RZR0hjTnRCWm5hQUdjcWFwTjVyUHBmck9SaFM4dTA?oc=5) · Florida Trend
- 2024-08-26 [Surety Bank taps Apiture Digital Banking Platform to enhance customer experience - The Digital Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWjRVVjBJZlRsN2ZralpUdEpsUWFYcnVlLUplRWNBcGhqMzRLblRCN1JnNkE3MXBFandWNm9fWnZobS1XWDk1ZEk3aktpTVI3b2JSXzlqVUwxbkRrT2Q5LUZMYW9Nc0packtFdV9PNHBoNHlwQVg5aEtBeG95eUEwbXZza2k1bDBwXzNqbWV5alptODRRNWVXd2dOeTZyWnNCSlU3a056YVp1dTRheXIw?oc=5) · The Digital Banker
- 2019-10-01 [Small bank’s big digital goal: Launch 3 niche banks - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ01FTzVJa1psanNjajZaTHFyZkRKSF9wZjBIdHAzc1pxcHluVGNnTWc0SmxDZF9lVGlocGdFU01neFM1REV5Sl9nTldQTDVfMjRMMEJ0YmdWQXdCQWJtWktnV2FhU2dHUkYxU1Rab0ZlS3NyNm5uTVdlakRaVWNJbEJITGt1dktQaHBUMDhR?oc=5) · American Banker
- 2017-02-14 [Longtime Volusia County bank expands to Lake Mary - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTERRVlhuenJHNmdvU0NOem9zTFJ6ZWx6M0VodjhRalM2bmp0eGFWRjREdG8xTWh2N09ITEU1TTVmVk9JTnllR0RWYUk2cndUQklFNkxtNmM5RWhPM2taQUdwOEE4Z1VZUjVUanNnYko1cGFqNUtLbFBwTmZHQTNkbjhiWEtkTEtsVGNJekdEWEFOVmhOVHJEY29DNGluNm04eW85OTQ2NHFVQQ?oc=5) · The Business Journals
- 2024-11-03 [VyStar Invested $20M Into “Dysfunctional” Nymbus; “Botched” Transition Led To Consent Order, $1.5M Penalty - Fintech Business Weekly | Jason Mikula](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdWZMLV8zVlhuSXp4NUtHOW1lWUVXMHg1R3p6OGlmYUZPYVdfR2cxSmhIYlhKRkRuOFdOWWRiTkxsUzRJSk8xMVZ2Q3ZqeW1iOGktMnBxTHBYekxsV3JicDAtRThOYmdXbVZxYWRZTXhOWG5YMVd6SmZ6ZE9XZ0dJUDVnS3pIcFN3MXdR?oc=5) · Fintech Business Weekly | Jason Mikula
- 2020-06-20 [MOVING AHEAD - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRU9RdFJncThkTkRkZVJGWTVIVWhCamRfc1ZxWDNGc3hETTlSZHdlUGRpYzROcjBzM3RZMGdhVzNHT3BIaXE0S3RKVVBicDVKMFZ3M3U5cnhPcG1KN3RfNktRS2xZTGRFcERtdVF1UDRfNnFqWXA2VXdBUzk5TFFsY3hCckZ3OXpiN00tTQ?oc=5) · Daytona Beach News-Journal
- 2018-04-17 [Who needs branches? More small banks open accounts online - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWjg2a2RwU0ZIcHR3eTlTX0sxbVVycXZodGtlMnItVlNfbDlMTThneV9ZZlh1X29DanVYWXFvcHQ3V2xPNGJzWHoxLU5yUjZaQVBMcHV3MnB0LU1aUFAySmEzd2pCQm5rcExIdjgyT0o5cmhqMW5jdHUyby1UMUtfZTFDcVhOLVI0RWwtZFVNWkRzMl9HdWxr?oc=5) · American Banker
- 2017-06-30 [This tiny Florida bank says APIs could make it a national player - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRlR4VGw5Mmd1TXlmX3JpV1dwTGx0eHN3bVgyMTFQN0pTdU93MlV4YkUtUmw4RG5QZ2E5YVFscDNxcG15ZTd2Tjh3eDNkT2NzakVuN2lzRHNUWDZ0dzFjQk5GaEstM0preHdnSGFzeFltM21ZVkIzT1M5X2FLcnhOVl9lQkpNb0duVk5VM0dSenBLNVFFdTRZNG03eGVIZnVZeFE?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33026 (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/2.json (key "33026", 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