# EDISON NATIONAL BANK
FORT MYERS, FL · FDIC certificate 34489 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $453.7M | |
| Deposits | $399.0M | |
| Loans and leases | $149.7M | |
| Total equity | $39.6M | |
| Loans / deposits | 36.99% (p3 of band) | 82.04% |
| Liquid assets / assets | 63.96% (p97 of band) | |
| Uninsured deposits / deposits | 40.49% (p88 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.48% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.03% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -1.83% (p81 of band) | -8.10% |
| AOCI / equity | -0.53% (p40 of band) | |
| ROA (annualized) | 0.61% (p14 of band) | 1.28% |
| Net interest margin | 3.04% (p11 of band) | 3.91% |
| Efficiency ratio | 82.89% (p91 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 13.52% (p18 of band) | |
| Auto loans | $46,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.9% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 0 |  | losing money, charge-offs p90, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | losing money |  |
| 2012-03 | 1 | capital falling | losing money |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | leverage <7% |  |
| 2022-03 | 3 | expense ratio p90 | capital falling |
| 2022-06 | 2 |  | expense ratio p90 |
| 2022-09 | 2 | AOCI drag >20% of equity | leverage <7% |
| 2022-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | deposits shrinking, assets shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | deposits shrinking |  |
| 2025-09 | 0 |  | deposits shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, expense ratio p90 |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-09-02 [Edison National Bank / Bank of the Islands - floridaweekly.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNc2NGc0dtUVRFcy00RFZjemo4YXgxallaWnl4SFBsWlhqUHpTamFOT1dTSDBjVVR5ZW1wSlJGM2JDU2lyYkFJY2hNYktoR0JwYTFuYlJWX0cxb3NsbmVCbUNPckpYQkhDOS1feEo5SDVBQWtTcWhQOE1nMzlNMXZpWVEzbk04czJFRGRobEZrVXlPY3Y4ZmJPX3hpenl5RDUxNThpc3l6SXlITFU5MEZMaWFnaWtCdw?oc=5) · floridaweekly.com
- 2026-06-22 [Edison National Bank/Bank of the Islands returns as gold sponsor of the 2026 Florida Python Challenge - Priority Marketing](https://news.google.com/rss/articles/CBMizAFBVV95cUxOSS0xdVM1dFBYS0NhT3hwMnM4M2g5ZFloS09Jd2FFWUFObW9qYmFFVWtsZ0k1OE9Db2JsbE4xM2I5V3VkUzBDcmV0cm9mZHdpM1JGRXdGeTJjV1ZtVHphWGJUeVFzbktWX1VlMGdyWUhxUzRSSFN1c0lYeElfeXVkQ0FXbS0teDdhZTZTQ25mMkx5dktOM3BrNjhFcWJqVnBRQ2otRnl5S3NfSW9nSXY5UTJrTlhrY3FHOFZWZXBaQ1B6T1F0T3NTa25QOV8?oc=5) · Priority Marketing
- 2026-01-12 [Edison National Bank/Bank of the Islands to offer fraud, scams and identity theft sessions - Priority Marketing](https://news.google.com/rss/articles/CBMivAFBVV95cUxQVV9TQjhfR180cUJTMnR0bExsTWw5Tlc2S0k1OFB1YkJ3bDlBLWdNWHY3aUxaOUtva3VwOHBkbFQ1T1dpMUx2N2lQc2lUV3d5b19GZnhYN3JPUURWUXFPbldmMkp0TTZiTXdJbmFiYmNIUnB6Tktqcy10b2Z0Q0JsTUdicHZoc244S0EyT29qN09sRVdGVHhrYnpTd1V3OHNRYktmMGdCaExpRjdyM3I3UWNKUFIwMmtxTnZnbw?oc=5) · Priority Marketing
- 2026-02-15 [Protecting our home through wildlife conservation | Opinion - The News-Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxQMTNDeW1sMnRHblpWSGlVV2NScGNrWG9vTk9LUV9QY1RVZTk2aTE1MXpXQzkxbTMwQXMtcmhxeWdneGZmQTVyLXdxYWVhVzFnYWtLYklxeG8xZzJaTjlpLXRZMmpyMUpkbC1keVNfb2xjZDFPR0d4NlB3MkpIYWZad05XelVwcXRwWkN5anRnZHVhdUxSVmQwVl95cHdBVHhlVkVCTjRmdTRkSlVzT3FiV2E2YzVIcG1nLURUeGYwdw?oc=5) · The News-Press
- 2020-04-17 [Edison National Bank creates scholarship fund - FGCU 360](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZ1J0MWtQS1QwdFJEM2lCQ2JBU0VSNW92RmVKQlp6VHZhYWpQTV96Qnl2Vm9HSzlsTGtRVGlmel83bjJWTkoyTGpQaW5Bc095alZWdS1RWHlBdlJxN2ZnRGhFd0hRVzNPMi1ROVN6NGxDc1RCbDdVV09PeDRObTNIUGdGVQ?oc=5) · FGCU 360
- 2026-02-11 [Edison National Bank/Bank of the Islands to sponsor Rotary South Mini Golf Madness - floridaweekly.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPQzZycm43LUlUeWVMaG85dW5ObnFJOEFlSGhfNk9qeWgzbThwUlcyRFctaTNRenhWMnZpU1NtZTZFZ29qQ25oQUxqRDJoZ2hRU2QyUEpKN05HWWZheG91S1NYQk5FZE5yak50UHJ4SEdBcndORTB0MzZsNlpOVkk0TFNIWDJRZUZsSng3QzE1ZUhLdGJCUnpvWWVNMVBuMmo5bVU0UlNnOFpZanpTcTZlc2Z2OXpZUE44NlI0TEJsdC1iX0ZrUkVwZXhzWWFZTVAxMEVuVHRma0hmZw?oc=5) · floridaweekly.com
- 2026-07-10 [2026 Florida Python Challenge Kicks Off July 10 — Registration Still Open - Outdoor Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQTlBBM1FHOTBsU2h0dFlqVlNzZjhhd2NrNWtZSFhQRjhhc0c2QnBHd2JQZW91UlF6LS1QODNsNlA3akpGSERGSnpsSzFKS3pMeFJZOHEzS0JOM2x2X0REQ1pzYUI2ZUIxQmtnNU5kNkpOeE0xSGp6WjAzOUhrQ3F4dTl3aERzZC1SX2dWMGszS0E2UUhqYWpyaGZjUDl2SXZTSmpDaHdQQ0h0S1VvWFhXdl9XeFpqZGJqaGlZ?oc=5) · Outdoor Wire
- 2026-06-27 [Partnership promotes economic development in SW Florida | Opinion - The News-Press](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNS1aNl9MN25fRktGUUFVbERaM1M0ZnNUUkdVVE42SVU3MUtJOU94UUFMeDdrMXc3Q2NaNGlmUmdpeHZNV3B4T2JSQkZ4bDlkWmg4QXIyQVY1MVNRQm9adTFLUml2akItWFhuaVF1cVRUa0w2dEN2MjhLMVhYN290eHIycmdzMHI5eUNBelRSZmFpNDRUWjFLT3l4eVFfUjRDYnVaUTVncDBDM2J0U3l0akxhWnRzV0ZNZHd6WXZzODN0WVNZUldJ?oc=5) · The News-Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34489 (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/57.json (key "34489", 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