# LANDMARK BANK NATIONAL ASSN
FORT LAUDERDALE, FL · FDIC certificate 34832 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $395.9M | |
| Deposits | $310.6M | |
| Loans and leases | $334.6M | |
| Total equity | $54.9M | |
| Loans / deposits | 105.45% (p93 of band) | 83.90% |
| Liquid assets / assets | 13.13% (p14 of band) | |
| Uninsured deposits / deposits | 30.92% (p78 of band) | 21.07% |
| Brokered deposits | 0.31% | |
| Wholesale funding | 6.90% (p53 of band) | |
| FHLB advances / assets | 6.58% | |
| Tier 1 leverage | 13.16% (p87 of band) | 10.15% |
| Unrealized securities loss / equity | 0.03% (p79 of band) | -0.98% |
| AOCI / equity | 0.00% (p89 of band) | |
| ROA (annualized) | 0.67% (p27 of band) | 0.94% |
| Net interest margin | 3.93% (p71 of band) | 3.62% |
| Efficiency ratio | 58.87% (p23 of band) | |
| Noncurrent loans | 1.75% (p86 of band) | 0.61% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 120.46% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 21.42% (p29 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | loans exceed deposits |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | charge-offs p90 |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 5 |  | charge-offs p90 |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-12 | 3 |  | charge-offs p90 |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 | liquid assets <10% | capital falling |
| 2015-03 | 3 |  | liquid assets <10% |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | loans exceed deposits |
| 2016-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 | loans exceed deposits | charge-offs p90, capital falling |

## 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=34832 (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/16.json (key "34832", 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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