# CNLBANK
ORLANDO, FL · FDIC certificate 34427 · asset band $1-10B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.35B | |
| Deposits | $1.08B | |
| Loans and leases | $858.3M | |
| Total equity | $130.6M | |
| Loans / deposits | 77.92% (p32 of band) | 86.97% |
| Liquid assets / assets | 31.57% (p72 of band) | |
| Uninsured deposits / deposits | 15.16% (p23 of band) | 24.91% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.19% (p50 of band) | |
| FHLB advances / assets | 6.46% | |
| Tier 1 leverage | 7.56% (p5 of band) | 9.78% |
| Unrealized securities loss / equity | 4.30% (p88 of band) | 1.31% |
| AOCI / equity | 0.78% (p85 of band) | |
| ROA (annualized) | 0.63% (p19 of band) | 0.95% |
| Net interest margin | 3.28% (p36 of band) | 3.48% |
| Efficiency ratio | 70.47% (p70 of band) | |
| Noncurrent loans | 0.85% (p59 of band) | 0.71% |
| Net charge-offs (annualized) | -0.01% (p20 of band) | |
| Reserve coverage of noncurrent | 189.83% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 86.05% (p92 of band) | |
| Auto loans | $546,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 167 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 11 | brokered >10%, wholesale funding >15%, leverage <5%, capital falling |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking | losing money, charge-offs p90, capital falling |
| 2012-06 | 8 | charge-offs p90 | brokered >10%, leverage <5% |
| 2012-09 | 5 |  | construction >100% equity, wholesale funding >15%, charge-offs p90 |
| 2012-12 | 7 | charge-offs p90, uninsured deposits leaving |  |
| 2013-03 | 5 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 4 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-09 | 3 |  | charge-offs p90 |
| 2013-12 | 4 | charge-offs p90, deposits shrinking | reserve under noncurrent |
| 2014-03 | 2 |  | charge-offs p90, deposits shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | expense ratio p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | leverage <7% |
| 2015-09 | 0 |  |  |

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

- 2026-06-30 [Michael McClanahan named Orlando regional president for Pinnacle Financial Partners - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQMnlsalNGTlozbkU5WTlWaDlOWlMtUllfM08tWGJGeUdnMzJQZG9FNUZ0VHEtUkR5NUZiWTZnOU5UaG9PWkdfOVNEdE9LYy1OTDV2MEN3bnNmUkZyXzlPdWhBdHJBQ3VNYU4tRkQzdDNJdk9DNDd0dGkxQ1FYX1hfdXhaQTNHN2tuNi1KR294c1hvWjRjU3RWc29rQmxiaGNUM2tpb3dIZ1h0Mk9USUtJX3UzNkZsZEgyUVlnTUJNUGluQm9SZ3YxZEIyUFFXUXN6cWVPdzFvMmw?oc=5) · Pinnacle Financial Partners
- 2025-09-04 [People to Know in Banking & Finance: Barbara Interlicchio - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxObDV6OXZ2Y1B1V0ItMW1HZXRPSHpwdHUzbUp4VDU5eVZfQW9XWkhSdkM1M0NGdGFZd1BYQWRicVFNa1N3TkphTW9DZUk0aEZLekV3NFlkelJ2WkJyZjJuMlhjcFF4Ml9UUWpQYk0xMFV3eU5lVUxNdUZWZEV5MHFjQWI0YXhZUUd6VG9TOGljb19YRy1QcE9XaXhrTFdHdnJ4WXc?oc=5) · The Business Journals
- 2009-11-27 [Orlando bank names new chief - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdWhockpKdXpZeUlSTDFuWEF3cUlfR0lwN3EtOU1OcjVyVXRRX3JSWlFTVjU1dTJNOEtoNU1tSUtwS1U5U0ZXVklQTGFzdGZlVGl3RF9vclQ4em1pRHdsWHNQYTM4MjJyVHFMa3ozSWVTdHdWeTVpSDBsc1B6NmtKRDA0enFub0szUGU4eVEyQ2g3b3Mwa21nYQ?oc=5) · Sarasota Herald-Tribune
- 2022-07-29 [Top Orlando Truist exec Sandy Hostetter reportedly to retire - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZ3BFNnR4NVpfdkxQYXg5R0dJenpmZGdyQjd3T1pKeHA3dlBBdHhiRzNQX0hqQThWazkyTWJMelg0LUNTbEJJTGN2bHhLdmZhc3dya1RrUmNaTXUzNVd3ZHVVMUh6cXBweTVUZDhsQzdzYVpXMEI4UDlnRjVOZVFjdGJRRUVPRVdmdVFOQTB6Ym9QMV9JZFEzYlNyOEIxLWhWSzNHekdWRkRlVnM?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34427 (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/59.json (key "34427", 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