# C1 BANK
SAINT PETERSBURG, FL · FDIC certificate 34092 · asset band $1-10B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $1.71B | |
| Deposits | $1.29B | |
| Loans and leases | $1.38B | |
| Total equity | $201.8M | |
| Loans / deposits | 106.06% (p89 of band) | 89.53% |
| Liquid assets / assets | 11.32% (p11 of band) | |
| Uninsured deposits / deposits | 33.63% (p69 of band) | 25.95% |
| Brokered deposits | 6.35% | |
| Wholesale funding | 18.58% (p81 of band) | |
| FHLB advances / assets | 12.23% | |
| Tier 1 leverage | 11.54% (p80 of band) | 9.68% |
| Unrealized securities loss / equity | 0.00% (p5 of band) | 2.54% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 1.26% (p81 of band) | 0.95% |
| Net interest margin | 4.61% (p95 of band) | 3.48% |
| Efficiency ratio | 58.61% (p31 of band) | |
| Noncurrent loans | 3.74% (p97 of band) | 0.63% |
| Net charge-offs (annualized) | -0.07% (p5 of band) | |
| Reserve coverage of noncurrent | 14.10% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 109.38% (p97 of band) | |
| Auto loans | $519,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 224 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## 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 | 2 | expense ratio p90 |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | expense ratio p90 |
| 2013-12 | 2 | loans exceed deposits | capital falling |
| 2014-03 | 1 |  | loans exceed deposits |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 | wholesale funding >15% | charge-offs p90 |
| 2014-12 | 2 | loans exceed deposits | wholesale funding >15% |
| 2015-03 | 3 | wholesale funding >15% |  |
| 2015-06 | 4 | liquid assets <10% |  |
| 2015-09 | 3 |  | liquid assets <10% |
| 2015-12 | 7 | liquid assets <10%, capital falling, noncurrent p90, construction >100% equity |  |
| 2016-03 | 5 |  | liquid assets <10%, capital falling |
| 2016-06 | 5 |  |  |

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

- 2015-11-09 [Bank Of The Ozarks To Acquire Florida Bank For $402 Million - Little Rock Public Radio](https://news.google.com/rss/articles/CBMivgFBVV95cUxNNWdBTzlDTjVXRDNXek02bkVRaElZZS1SY0VsM1VzU2prY184TVhCZ1RNUU5oTHpBTk4xUFNTbmJJYk9qNWtjMy0yRU5XbnJ6RDBucDZ4M3loNFJ3aU5Cblg2U0l2d2F4X25BenEwUm5YaVZ4ZHo5cWxZdlpZYUpHaWM1M1AtLXAyR0tNYm0zeFBpSkVhenNPSENmV0RjZXdqSjY5bWtubXVmWWg5TVFZNW5QUTc1Y3ZXQmlkWlp3?oc=5) · Little Rock Public Radio
- 2015-11-10 [Bank of Ozarks buys C1 for $402 million - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPU0NGSjc2SjA2NkdWTEtnNXQtbkVhUTBodkppOTNGeGNvRVhBNUgwaXBFN0pGaFZYRVdTd19TaWtaX3FjRjJxRUJuaEtwTktFeWtrRW9xWi1hdVIxTHZWZzJVTU4yVEdkSG5GcU9USkk2UHBTX0Y1SWN0WWhlTERsVGxzVWVfY2c3MGNIODNhcDRZbmMtd055bTd1SS01aE5PdlRJNTJB?oc=5) · Sarasota Herald-Tribune
- 2023-09-01 [How Trevor Burgess keeps winning, even when the waters may seem rough - TBBW](https://news.google.com/rss/articles/CBMiogFBVV95cUxON2JYSndVVVlUWGRxWkpoaVVGRVNRZ0lCbGtDX2VETlhTNVhHVFBadnVFaGkzbFRCZndvaWkxRWUxQ3M0dW9McTRnSERnbEFDbzRQQWFFOXBnQXdwZ0lPdVdQZU9ndS1RNUh1WjJZQnhhRU94SjRydmp2UjFKS1VVN1FpZ0J3TjM5VV9kdmhTSGxheWg4NnM3S2VTbnVIMm9XYlE?oc=5) · TBBW
- 2013-10-09 [Viewpoints video with Trevor Burgess, CEO of C1 Bank - Florida Trend](https://news.google.com/rss/articles/CBMioAFBVV95cUxPMmFIRkp6YnRNdmdsLXJDRjJrTDFVOExVTlhtM3lvbkVQQlNJeEgwU19fVXI1MXZXdnlzWDhuaTNDLWw3SFFXSi1UR2VOQWNycE43eno4a2pRSVpQX1VvVUlfZng2cTZURlVEbHRxSTljVUl2Z2VSWkNBRXFpdFczY1FGazY2clcyVTJ3ZXlkb096TUpqX0VQT3BURXU3NlM1?oc=5) · Florida Trend
- 2014-01-30 [C1 Bank makes splash in Wynwood with eye-catching branch - slideshow - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRVhOUURTSHhEV2dvYWh3NG1odm9EX2EzRFdUamN0eEdJUGxQenlnQ1hINGtRaXF2eDBvcVJrekYtWUdWVllFcmpZM3pOWFNWeWp3dUNBbGdQSHF3bG9aYU9ZN2dIeWxXSmRPVTFHWkdpNGV4Y3F6RlRUN0xsWjh4ckU5dVVhejVJaVlRdFR1Wk9tU2E4ZHV4QWU1Z2FLTjg?oc=5) · The Business Journals
- 2016-01-06 [Arrest warrant issued for Bradenton C1 Bank robbery - wtsp.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSXZqeWtMdUpzTmNNdjFKOEVkZDg3b2w4OFhwSDd4ZlVhaWxOek1zemF6bUh5dl9IaEVQaDN3UHBRQlRJMXAzTnpURjNmZFNKalhVdFAyMnMzcDhwTkJoSl9GZFlmUVZsUWZwblZhQklBRXJvX0xOSWNrdDQzSHIyZVVFNWxZNDduZDRNZGR5VjlsUFVWSWFWZzR1VmZDeEc3RVVYTFpB?oc=5) · wtsp.com
- 2014-07-12 [C1 Bank is poised to go public - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxPbmkxMVc4ZnVwWmlzSjl4WnZlMFV3MUcwaGZZb2xCbF9YUV9oQU1KN25qbWtKNmNoNGo5U3p1SjRESUNCclVwS2JsMHFWM1drS2FhNGZnRmVEb0dEc25TQl9rd2pJU3JTUWtqdGxxMmEyVTBuenRVQUtzdTF5N3F0MUFjbUZkUUxJVy11QXdCeXg3ckpwSFA1RXhwQQ?oc=5) · Sarasota Herald-Tribune
- 2012-05-02 [Open a $1 million CD with C1 Bank, Florida and walk home with a Mercedes-Benz - Luxurylaunches](https://news.google.com/rss/articles/CBMitgFBVV95cUxQRnUwdDNEdTVfWlpkMGZ3dm5GZE8wQ3F1MmZjZDZZbjRvWHE2NWFuUV9PMml1YXZnTGpuVzlSWHYwZExsa2V3bjhqRy1ia3BSSXZnbkZKLUNxc240Unl2ZzJFc1FvT3JMT2ROTXU0N1AwMmltOTY3NHdyM1RRVjhnODdDZUNLYnQ1NS02T0RmZTk1ajdrMlFfeGtHQ3V2b2tTdGowVDJtNzBFdDFyM2R5UWxXQ2htQQ?oc=5) · Luxurylaunches

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34092 (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/44.json (key "34092", 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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