# BANK OF ST AUGUSTINE
SAINT AUGUSTINE, FL · FDIC certificate 34413 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $164.3M | |
| Deposits | $141.2M | |
| Loans and leases | $125.1M | |
| Total equity | $14.3M | |
| Loans / deposits | 86.68% (p82 of band) | 68.67% |
| Liquid assets / assets | 18.97% (p14 of band) | |
| Uninsured deposits / deposits | 6.55% (p23 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.13% (p69 of band) | |
| FHLB advances / assets | 4.56% | |
| Tier 1 leverage | 8.16% (p13 of band) | 10.18% |
| Unrealized securities loss / equity | -1.89% (p32 of band) | -0.21% |
| AOCI / equity | -2.02% (p57 of band) | |
| ROA (annualized) | 0.11% (p13 of band) | 0.77% |
| Net interest margin | 3.62% (p52 of band) | 3.59% |
| Efficiency ratio | 88.54% (p80 of band) | |
| Noncurrent loans | 3.50% (p82 of band) | 1.13% |
| Net charge-offs (annualized) | 0.19% (p76 of band) | |
| Reserve coverage of noncurrent | 61.99% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 53.60% (p83 of band) | |
| Auto loans | $239,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 3 | capital falling, losing money, reserve under noncurrent |  |
| 2012-03 | 5 | leverage <7%, charge-offs p90, uninsured deposits leaving | losing money |
| 2012-06 | 3 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 4 | deposits shrinking, assets shrinking | leverage <7% |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 3 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 |  |  |

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

- 2026-02-25 [St. Augustine’s Treasury building could be a hotel soon - JaxToday](https://news.google.com/rss/articles/CBMibEFVX3lxTFBmd0tRbFdkXzJyYmNDZzF5UUFkT3VVWnBfOE5ERU5obkx1REdkVDlOZTlKbjZURmNrR0xIRjRkUzBjdF9uRDJCT29vVXFpLUl0eTZwMzJ1STNsOEI5MlNDTk9BS3BpT1M1QllZRA?oc=5) · JaxToday
- 2022-06-14 [5 things to know about 24 Cathedral Place in St. Augustine, home of Treasury on the Plaza - St. Augustine Record](https://news.google.com/rss/articles/CBMi1AFBVV95cUxORUNWV3FTTzVSS01RSEZnTmVIUmJEMFR2YnVaOEh2V05hOWtRX005YUhicFZzMU4zTEVBZ1BWZWFhcmh4Y2RET2tIVERsYm1jamNtSUQxd2NQV3dvcDExNmVENTRJTWdwWDNhU0cwZmxCLXNoN2lkMHJudmVXTWMwbkJ6RmxNakdZdWU2YktPYUNNblFlOUNxMG11Zm5ueUhaaUF1ekROc0VTUjBWVUNzcmk3ME85c1dFQjFYdWdRTGZIeUlKMV9WeThJdHpzS3JQX0Riaw?oc=5) · St. Augustine Record
- 2025-05-21 [PDS Health converting closed Bank of America branch in East Arlington - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMiugFBVV95cUxOekRRVTFUVUh3U3o4WTlzelJUam1Jaml1WDNTZzM5azlwZnIzcmZBNk9YbXA1d2VSNFh0U1kzajNZLWV2QUFpTm5lUjVHVVFlbmNibUM1TjI4NGtfV25fOGtCRFpjTEFwRzJXSWoxWlJqN3dFcGpweG94cDdJNGhfelR1V21feHE2Q1VCS1JjdVczb3BZeUlVSFhOVFB6WVhhQUs3SEJYeU9kbUs5VkdTNk9QdG1OMy1rZ3c?oc=5) · Jacksonville Daily Record
- 2021-10-15 [John Daniels Obituary (1933 - 2021) - Saint Augustine, FL - St. Augustine Record - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQMVd1T0xPRGRYeExuZWZwdkdwMDBDR25DcGdPWW1PNDZBTDh3ZkZtdGx5ZVRyTU1KUWlfUklTb1NET3k0N1NSbm9pYkN5d3JiaXBXMWwwNW1PSjN3N1dPLXIzRUlBb0FFcWp4LXZHVUxSUnJkVU5HTjJfOVg4aWpEUlVqRkZqdDBzc3MtUTEzZw?oc=5) · legacy.com
- 2011-01-29 [Banker retires after 40 years - St. Augustine Record](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSWZVWlByV1o1SUFsMUptdlBRZTQ0bmxCR2Y3Z05vRE1fNkxzZHJkU3NVWW1qU2pQU1dIYlRxUVNqSERyMzlHSjMyZER0OWpEWkdpNGhmMGFJSngtNWVORWlFUEs1VmJzODRGVHVLekNsTWpQYTc0RTFRay1xbkpGVDlaa3NCRnJmTUNFZUNjT1VCc2I2bzY0aUFBNm9qZlU?oc=5) · St. Augustine Record
- 2024-05-10 [Hotelier has big plans for St. Augustine high-rise - JaxToday](https://news.google.com/rss/articles/CBMibkFVX3lxTE5PUzZTV29FMHJzR2dQNU44ZHRtVk45OHNBNGkzM0R0SGFGQkt0Y2xBUnBLSFJjVDJLVDNyYUdsS2tvWF9oZXc5YXBCMS0yTTZjbHFxWW9NeDREa0FVNzE4ZXRxQjRWenR3X3RDVm1R?oc=5) · JaxToday
- 2017-04-20 [Donald Tully Obituary (2017) - Saint Augustine, FL - St. Augustine Record - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdWd6M3FqTExSY204d1JuU1B6LXNUazFzcW5aNkpUMU05U1NwaGMyQmRRVm96S0FORW9ZUHo2ZE5KazFVT0VJRkNXN19VbGFVN25XWDNzdWY0SmgyeU5Mby13aG9mWkkxXzliR2NaZS15QmpZazcyLURsOE15VEhwM19qSlJMSXE3RnJ4bjVPNA?oc=5) · legacy.com
- 2024-05-03 [Patricia "Pat" Cowart Tully Obituary - St. Augustine Record](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5CNVI4T2tEem1XQlRrbWlxUDdSaV9MY1F4djhwd0R5Zm9nLUJISmVMVHFDWjBhME9zc3ROSzhkSzlablVPelhMSUJqN3VRLUNTTG4yS1lQT2FIUloxanFZ?oc=5) · St. Augustine Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34413 (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/45.json (key "34413", 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