# FLORIDA CITIZENS BANK
GAINESVILLE, FL · FDIC certificate 34869 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $237.8M | |
| Deposits | $215.3M | |
| Loans and leases | $168.2M | |
| Total equity | $20.8M | |
| Loans / deposits | 76.78% (p56 of band) | 73.61% |
| Liquid assets / assets | 23.32% (p30 of band) | |
| Uninsured deposits / deposits | 23.12% (p82 of band) | 13.65% |
| Brokered deposits | 5.13% | |
| Wholesale funding | 5.49% (p67 of band) | |
| FHLB advances / assets | 0.36% | |
| Tier 1 leverage | 8.85% (p16 of band) | 10.70% |
| Unrealized securities loss / equity | -1.16% (p7 of band) | 0.86% |
| AOCI / equity | 0.85% (p81 of band) | |
| ROA (annualized) | 0.50% (p26 of band) | 0.84% |
| Net interest margin | 3.56% (p46 of band) | 3.64% |
| Efficiency ratio | 85.41% (p79 of band) | |
| Noncurrent loans | 0.37% (p36 of band) | 0.69% |
| Net charge-offs (annualized) | 0.24% (p89 of band) | |
| Reserve coverage of noncurrent | 454.43% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 71.30% (p89 of band) | |
| Auto loans | $1.5M (0.88% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 | expense ratio p90 | uninsured deposits leaving |
| 2012-09 | 5 | deposits shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | losing money |
| 2013-06 | 5 | losing money |  |
| 2013-09 | 4 | capital falling | assets shrinking, deposits shrinking |
| 2013-12 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent, losing money, capital falling |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 2 | assets shrinking |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | capital falling |  |

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

- 2005-10-30 [Banking on the customer - Gainesville Sun](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ1JNTXJ6Rm5iamZqOGZqRVdjenNMYkp0Y0YzTEgycVM1NVIzWDBqNjc4dm11N2RrTDZUQTF2MkJyXzVCZkxUNDVvdTBiYkF1VVIyR0ZYampVaV82b1hBLVpycDhpSzY5aHF3SndCWjRmei1DN3JLRFpxNnZNSHYtbTEzLXJHcFBFZXk5OU8yTQ?oc=5) · Gainesville Sun
- 2017-01-03 [On Treasure Coast, Bank of America is biggest and Chase is fastest-growing - Treasure Coast News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPY3pjOXpCaFJvV2g3b0hCUXlEcW5oTlI4S0NRaFR6ZXZ6YWtvZWlscnJWUmRfd0pTM2dEYlVkZmNfWVNUc0NnTTVkNC1TcHFpUXVPLXpuV1NWYlozRk5sRnJyMUlBdmJhNWEzTW90Vk1rd0VFSnJmeG92RkN2MWJGU0hUYUY0a1NHbGQ4?oc=5) · Treasure Coast News
- 2023-04-24 [Filling a void: Local leaders prepare to open an Ocala-based bank - Ocala StarBanner](https://news.google.com/rss/articles/CBMixAFBVV95cUxNMVRTbnYxVmIzdktDNzRiQ0c1THlWRVcwNmQ3emJ3Mll5Nk01MzNmT0ZhZ3F2Umg2N0xwa0lfLTlEaWx0Zkx5NEQ0dDBHT2pMM2stS1JkZGhNWVFGZlVieEg5cHFoWElRckFSdVkwdHVMRnRzYVh6M1RPMi1vdDdOanRINEpKbTdZeGFMZUpqdzl2bXNkZDlUY2FOUUxuNjBIeUZ5VmNrbUwxQlVyb3ZFd0x2S2RXZ1I3eGFWNlhnb2tmX3V3?oc=5) · Ocala StarBanner
- 2005-04-23 [Archer Road bank struck by robber again - Gainesville Sun](https://news.google.com/rss/articles/CBMipAFBVV95cUxOU1ZLVWRtS2xGYlBUSGFuMFU5RDlSRGZvblgyb3lpTkIzRTh6ODhsRmZ2eEVvUi1SZGJSU1EyZWZXZ21DcHdHYXhfQkJ2ZmJYN2pCd1VfalE1QU03NXpYS1d6YXR1OU1jSDFxQlRvWFU2WXdtNURPcUs0RzVSSFB6TzVaZDdHQmdISUduOHFWTG9KSUlXaVhRZ1duRVE1QUFhQ1hLYQ?oc=5) · Gainesville Sun
- 2021-10-11 [Mark Swan Obituary (2008) - Gainesville, FL - Gainesville Sun - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNelN4Mk1TVTg3M0NnS3pGdUlmdE5NZFRPczdfQXgzSDNiZzNTUDV6dFQ3aWZsYmZlUm1JeE1sSTU1d24tRlBocmJfdjJ2X2loTm1QQlN3YXJYOS12VU1YTjdmdmJyeU10czFoMk9aazJTVlkzZkxUNlViMnFKY3N0clcwMUdseUxJYUtjZw?oc=5) · Legacy obituary
- 2010-09-11 [After home destroyed by fire, family struggles with girl's gluten-free diet - Ocala StarBanner](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPRDI0WG9MSHN5R2J4MmF5cmEzMDBXNjBkbU96ejNyTzJnV2RtWEZ4TkxDc2RnOXRCdzlVQ0lIOE53TFg2LVZXLUlYMEI3VnJjcjVoU2QwcFBVZUhHOFBnSEhpOUZ2NVBoYUh0amZYYk5tbC04bVV2U18wZHkxNng1VkJXOVctRUxBaFI4VEFtemZfSUptYmV1SUJ0NUJqc0I0QkhjYUJ1UFlmZHVsOHBGbl8tdEpWQTZPZDJWME5rZUk4WGNuNjBKYWpSUDVuQjZJVXc?oc=5) · Ocala StarBanner
- 2010-04-21 [Jill Rowell Obituary (2010) - Gainesville, SC - The State - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU2Q4OE54d21RNGhhRXMwakJnbHVYb2lPeldjSU1PMDh5YzE0Q2V2bzZHQW5pdE53QzcyU1R2WnVGQjlIa0dFeUxlM3Y3T3V5a00zcld1UHVZYWdqYzU3YUNxdmttMUY4SmxfWVR1dDhEZktRRjNlMk9lMmhWektuRk10Qzd6QWlYYldz?oc=5) · Legacy obituary
- 2015-04-23 [Discount grocer Aldi eyes site in northwest Gainesville - Gainesville Sun](https://news.google.com/rss/articles/CBMixgFBVV95cUxPSXZzQ3FPY01kNEg3ZDVSSmsxUVJ3ZlFFSDRXX0Q0R3lUZ2lQRFVMT1ZheTNRbVFseDdDWi1aS0xxZGFzUFk0MnNfRmItcE1WSk5ORmloWlFxOFZ6cGxmeW9jOWVLTlVhVTFRM1oxS0U4VzFzR0lVN0h3aVM5VE9mMElLMmFjUmlxTmE1bzRBc3NtazhhN3dTWks4aTBUdXpXNlFVd1ZERFNvaDVuQWpKUG9fR3FGcElrWXRlTGRSaWhrUXlKUGc?oc=5) · Gainesville Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34869 (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/53.json (key "34869", 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