# CRESTMARK BANK
TROY, MI · FDIC certificate 34353 · asset band $1-10B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.32B | |
| Deposits | $1.12B | |
| Loans and leases | $1.07B | |
| Total equity | $140.5M | |
| Loans / deposits | 94.00% (p61 of band) | 90.60% |
| Liquid assets / assets | 7.64% (p3 of band) | |
| Uninsured deposits / deposits | 5.70% (p5 of band) | 26.16% |
| Brokered deposits | 31.86% | |
| Wholesale funding | 33.85% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p53 of band) | 10.10% |
| Unrealized securities loss / equity | -1.71% (p67 of band) | -2.78% |
| AOCI / equity | -0.36% (p79 of band) | |
| ROA (annualized) | 1.98% (p93 of band) | 1.18% |
| Net interest margin | 10.45% (p100 of band) | 3.62% |
| Efficiency ratio | 71.71% (p82 of band) | |
| Noncurrent loans | 1.49% (p89 of band) | 0.46% |
| Net charge-offs (annualized) | 0.58% (p96 of band) | |
| Reserve coverage of noncurrent | 64.72% | |
| Real estate % of loans | 4% | |
| Construction % of loans | 6.86% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 33.8% | |
| Employees | 335 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2013-06 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2013-09 | 2 |  | liquid assets <10% |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | brokered >10% | charge-offs p90 |
| 2014-12 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2015-03 | 2 | capital falling | wholesale funding >15%, liquid assets <10% |
| 2015-06 | 3 | wholesale funding >15%, liquid assets <10% | capital falling |
| 2015-09 | 4 | uninsured deposits leaving |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 5 |  | reserve under noncurrent |
| 2016-09 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2016-12 | 4 |  | reserve under noncurrent |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 6 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 4 |  | capital falling, reserve under noncurrent |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | reserve under noncurrent |  |

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

- 2018-01-10 [MetaBank adds national lending platform with Crestmark Bank acquisition - Argus Leader](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOa1I3cWMwVUt2bVhqaTdueFNEMG16WWpIWFVhQzlSQ1Y2Y1hMdVZIWjJmcnhTZkhLYXJJclZfU0M5SWxBSmpzS05OYjVjOWZxM2U5cEJXcm5VOWlyZGdXRHFBdk1qQ3kyOFJRSjdzRW8xUm8wQkhld0kzZkJYZFFtNHRGVURsSGhUUC1UdmI4UUNRYWt5UnBmb3RfdUVHOEJKZFNVdFRuRmRUNFJLRWtJbVFleUdYZzRNT1EyX041U1RlMXRwazcwNnJPSURLN3dXTFhZSVUzSW9NRHM4UFE?oc=5) · Argus Leader
- 2018-01-16 [Troy’s Crestmark Bank Sold For $320 Million - Patch](https://news.google.com/rss/articles/CBMiekFVX3lxTE05bmxKYlhoV2dDQ0hUSWJiTUN2d0lXRHNOMWd5TlFLbDVyV2lFTEVjR0VKc2UxczlVTG9wZ0VoQjFUTUNjQUZOMlRDMDZ1bGNKOU9hQjVac0VRbXBYS0ptd1hKdE1JelY4cGpjRW95dHlTT1ZrVFpmYzN3?oc=5) · Patch
- 2018-01-09 [Crestmark Bank sold to South Dakota finance company in $320.6 million deal - Crain's Detroit](https://news.google.com/rss/articles/CBMixgFBVV95cUxPV09TX28wQkdJblZURGhrM2cyNWIzdEFpalRJTEY4Z2hoMmZVZXJNdmIyQmxsdVI5ZlU4dm9yaWExZG5HNlNRUG91U0xSblcwbkYwS3RSckhNbml6bTFzMlR5Yk9neVNYaEVCeVFHSGluUndDNTE0NUJoNHY4dkdyRGFJTHNhN3l4eXo1c2JUa3hSLTRST2ZjQk0yRVRiWklMdGwzQjZlNXhBWUR0TGFHVmZOTGVWaVRMTmppTElUaDdldDZ0V3c?oc=5) · Crain's Detroit
- 2013-02-11 [Grow Michigan, LLC Opens for Business - CBS News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5fUVlxMXpGUWdtcnhCTTRXemRvRlR3VzViaXN0YlBYRU1ST0xVQUJMZmRvc1hYcFJrQkdMU1Q1cm5XOGhvUmdwai1PdHhZcExscVpqa0pVbWpmYjlONzFDYkhtZEVYQTNuTmFEZmxjRnVFRmhpb2k1dnRjRkh5WXc?oc=5) · CBS News
- 2024-01-29 [Frederick MacKinnon Molner - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQnNKOGNqaElMc3I3bktwaEJXZHlaX1AtTmxSUURXREhkQzBuekMzZFhEWGlHQ3F0Y2hvTmxDREhFeGFLcjRqZWhyLVA3dm1UOEtwV3JUX185MXdWWGxGYW1GV1FINnVOLXhiSFJ5bUlJMDQwSXlaTVZCVTM3TVRURWRXRTEtQQ?oc=5) · legacy.com
- 2015-12-19 [Spartifacts - Lansing State Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMndQYjBHSkVocFptZ0tqaTdBR2N2NWhGTGZ2RFNMaU5GZXUtWUM1eldidXpFNVRCYXNLbTdwYTZBQlZkU0lLUWU3X3VYZGNqWld5a2RBdkwwbm8yeHNkNEw1OF92eWxfekxVSTVMbmg3Y3Z4OWFJN0VTYXhkcmh0a2NRX056Wl9DRXdoNXFCQnJJQlFCdE5Nbw?oc=5) · Lansing State Journal
- 1996-10-14 [AIRPORT TERMINAL APPROVED - Crain's Detroit](https://news.google.com/rss/articles/CBMijwFBVV95cUxOczRGNElBcFRKZnhRVVo0ZlJJUVBOanFjMngtSkdPY3EyV2YtbEltazJOMnMxOEtiR05kOEJPTXZicjJKS2xWUkd5VGlKQ3Y0bzE4aXVjMm0wV3V5M2ctRElWSW5hX0VYTXRfNk4xNnV6ZVFIMWtJZUw5R1d0YmZFVjVmVkhkaXJZV3dfQmZTOA?oc=5) · Crain's Detroit

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34353 (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 "34353", 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