# FIRST PEOPLES BANK
PORT SAINT LUCIE, FL · FDIC certificate 34870 · asset band <$300M · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $225.0M | |
| Deposits | $207.6M | |
| Loans and leases | $157.1M | |
| Total equity | $1.3M | |
| Loans / deposits | 72.49% (p51 of band) | 71.80% |
| Liquid assets / assets | 24.92% (p31 of band) | |
| Uninsured deposits / deposits | 3.27% (p19 of band) | 7.92% |
| Brokered deposits | 5.66% | |
| Wholesale funding | 12.14% (p85 of band) | |
| FHLB advances / assets | 6.49% | |
| Tier 1 leverage | 0.57% (p0 of band) | 9.80% |
| Unrealized securities loss / equity | 0.31% (p21 of band) | 2.62% |
| AOCI / equity | 46.54% (p100 of band) | |
| ROA (annualized) | -5.19% (p1 of band) | 0.68% |
| Net interest margin | 3.56% (p33 of band) | 3.84% |
| Efficiency ratio | 178.05% (p99 of band) | |
| Noncurrent loans | 7.73% (p93 of band) | 1.53% |
| Net charge-offs (annualized) | 1.97% (p96 of band) | |
| Reserve coverage of noncurrent | 54.73% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 892.07% (p100 of band) | |
| Auto loans | $1.5M (0.92% of loans; DQ 0.89%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 67 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, securities losses >30% of equity, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | noncurrent p90 | securities losses >30% of equity |

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

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- 2018-02-09 [Banks fell in the Great Recession, but they're stronger now - Naples Daily News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPei12aGhVOUtaMDZOR3hMM1BaaUNfckgyanNFSnZ5YXRJMFR2TERZTy01WnZ6Q1had1VmUDZOVm1BQTNXclVwN2dPdkU5ZkNlb3dqLWRjYl9RZnd2NjFOVGVnUUduYklqVDUzRXlPcmZFNU5RNGJDT28xZWkwS1huVXJMU20tcGhTVXByVDBpSUd0NVVuY0R0S1hTcFVfN0ltVlFEdm9iQ1NpYkZnZWI5dXVCbVE?oc=5) · Naples Daily News
- 1989-12-06 [Philadelphia mob boss mansion auctioned - upi.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQc2txQ3RENk03ZGxSWEtpdHlMUWxIVUZqNjBUYjFNZGhRbE45eGltTWFjU0JMeXp5YTB2amlNTXp5ek9wT0FYN0NLVWx5WXBSWFhpYU5Wbm1GbkVxU2h2NWZkYUZEbHZlajJ1R0VfeE9UWUgxcjR6NGlOVTJSRVVwOC0xS3BZOGFHMER3RFdFODZKSEJDbWV2OFpn0gGfAUFVX3lxTFBERkdYU1lFSVhMZ3dSc3liZnlKQ2dlNW1hLW82VGRqOHBKZ1VXN3BOMVI3anhyUkVrR0pPMWN4am1HQ1JwSmxNYVkyZWFjRDBVZ2pGZlNhVTNlWm44Q3VjLWZJUkRuN0xmUExpU1h2WndrcVFpNkdEVElldnk5UTdPOGRRaUtBSEdnYW1yRVpwNFVsX28tUzRIVlRXeTM2TQ?oc=5) · upi.com
- 2024-01-07 [Amy Dingler Neal Obituary (2024) - Hogansville, GA - Claude A. McKibben and Sons Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMie0FVX3lxTE0wcnhxZVo3WndvV0ZrY0gwX2VjVXM2a0hzdW1VVmZkTWtkekVFSlZ5bjJKVWFDcUoyWERZWjBpb0ZLQktqOTJZOTZEcHprTlZKS2NCSW1kRVpmYUtweGMzVVRsdU9nVTcxY09uOW44dnBQRGxjSElCZVhHaw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34870 (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/54.json (key "34870", 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