# EAST COAST COMMUNITY BANK
ORMOND BEACH, FL · FDIC certificate 34439 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $79.5M | |
| Deposits | $72.6M | |
| Loans and leases | $52.7M | |
| Total equity | $4.4M | |
| Loans / deposits | 70.38% (p50 of band) | 70.28% |
| Liquid assets / assets | 27.25% (p34 of band) | |
| Uninsured deposits / deposits | 2.32% (p12 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 4.01% (p2 of band) | 9.92% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 3.23% |
| AOCI / equity | 4.12% (p77 of band) | |
| ROA (annualized) | -4.26% (p1 of band) | 0.69% |
| Net interest margin | 4.57% (p86 of band) | 3.86% |
| Efficiency ratio | 87.66% (p78 of band) | |
| Noncurrent loans | 4.65% (p85 of band) | 1.38% |
| Net charge-offs (annualized) | 5.68% (p100 of band) | |
| Reserve coverage of noncurrent | 66.38% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 64.46% (p86 of band) | |
| Auto loans | $199,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 17 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | leverage <7% | noncurrent p90 |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 7 | leverage <5% |  |

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

- 2023-11-04 [Ormond Beach residents reappointed to Halifax Health board of commissioners - Observer Local News](https://news.google.com/rss/articles/CBMixgFBVV95cUxNaFkxR1hvamtOM0FscThXTkVjTHNXalNBZmFGZ2ZqSXhkVmR0OFcxd3BLVnRMUnZMdDB6VnVSbU1CWFo5XzRVZjd3RG9wQ21YZVNGdC1KQy14TVdSczVHT0RUM3hpSHZQSl9XTHpPNWFpM0VuS2dydFB0WEdtYmVwVFl3WEZ6cTlOa0VZLVIybTdIMk9YSFpadTlrRjk5VkRNVmRYempLY29FX010am9BZkJLREZTMGEySjUySDdwdUZPSV9mbWc?oc=5) · Observer Local News
- 2019-07-06 [MOVING AHEAD - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMiggJBVV95cUxNMEJHMXNiYUd1TV9DWnVBSVBuZnRNM1JETUVTbFZ3Z3R0Nk9rQjhvRWRwd0RHUW53Vk5jUGFPT3NUQWJyQ0dmM25FMDNjeXp2MWNvUV9Ra2l4dWxpc1JhQ0VIcjFoNDJ0ZzdmS3FxM1VBQjVxWjMtaTA0aHBINXhvdzdLVmV1czB4aVpveVptTDc2Rklsa3pPc2NBb1IxMzlaM1BKYzcxWS1WdloyVnN5RDl2dnpNOGxJUzl4Tm1neExWeWlkTGo5ZDVQRWZZS0IwX2NGUTZDRVVTN2xyQ1lJYURnUWNKY3Q0a0NlZGdkam0xN25BM3JTSG1vcjNXbkVSc0E?oc=5) · Daytona Beach News-Journal
- 2010-02-01 [Daytona Beach & Volusia County - Florida Trend](https://news.google.com/rss/articles/CBMie0FVX3lxTE5jMGdlakt3cVAwMzJGUVZlc2FYa19ZMHZKUUVQMWJqWDZLMG9mQ2NvT1RQeXFmaEtsV3QtY01UM0QtSV9nWnJpanVWU1BTVHF2emNKbWJaaWJtMmZIcEx6aDl0ejdfMy1iZllIdkhjMGY1ZGJSZlJIODUzNA?oc=5) · Florida Trend

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34439 (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/7.json (key "34439", 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