# GRAND BANK&TRUST OF FLORIDA
WEST PALM BEACH, FL · FDIC certificate 34776 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**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 | $218.6M | |
| Deposits | $193.9M | |
| Loans and leases | $112.7M | |
| Total equity | $22.2M | |
| Loans / deposits | 56.74% (p26 of band) | 72.67% |
| Liquid assets / assets | 41.48% (p66 of band) | |
| Uninsured deposits / deposits | 26.76% (p89 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.93% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.50% (p49 of band) | 10.53% |
| Unrealized securities loss / equity | -4.24% (p5 of band) | 0.18% |
| AOCI / equity | -2.24% (p8 of band) | |
| ROA (annualized) | 1.54% (p85 of band) | 0.82% |
| Net interest margin | 3.32% (p34 of band) | 3.60% |
| Efficiency ratio | 103.31% (p94 of band) | |
| Noncurrent loans | 0.54% (p42 of band) | 0.74% |
| Net charge-offs (annualized) | -0.53% (p1 of band) | |
| Reserve coverage of noncurrent | 438.97% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 4.43% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 37 | |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34776 (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/24.json (key "34776", 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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