# JACKSONVILLE BANK
JACKSONVILLE, FL · FDIC certificate 34941 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $507.8M | |
| Deposits | $415.2M | |
| Loans and leases | $410.9M | |
| Total equity | $59.1M | |
| Loans / deposits | 95.96% (p79 of band) | 82.78% |
| Liquid assets / assets | 16.81% (p25 of band) | |
| Uninsured deposits / deposits | 22.06% (p57 of band) | 20.30% |
| Brokered deposits | 1.21% | |
| Wholesale funding | 7.63% (p56 of band) | |
| FHLB advances / assets | 6.40% | |
| Tier 1 leverage | 11.81% (p77 of band) | 10.05% |
| Unrealized securities loss / equity | 1.49% (p68 of band) | 0.46% |
| AOCI / equity | -0.69% (p26 of band) | |
| ROA (annualized) | 1.50% (p84 of band) | 0.91% |
| Net interest margin | 4.07% (p80 of band) | 3.59% |
| Efficiency ratio | 70.20% (p54 of band) | |
| Noncurrent loans | 1.40% (p77 of band) | 0.71% |
| Net charge-offs (annualized) | 0.01% (p31 of band) | |
| Reserve coverage of noncurrent | 217.38% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 51.78% (p64 of band) | |
| Auto loans | $39,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 68 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 6 | leverage <7%, losing money, charge-offs p90, construction >100% equity |  |
| 2012-03 | 4 | assets shrinking, uninsured deposits leaving | leverage <7%, losing money, charge-offs p90, construction >100% equity |
| 2012-06 | 7 | leverage <7%, losing money, charge-offs p90, construction >100% equity | assets shrinking |
| 2012-09 | 10 | capital falling, expense ratio p90, assets shrinking |  |
| 2012-12 | 5 |  | uninsured deposits leaving, leverage <7%, construction >100% equity, capital falling, assets shrinking |
| 2013-03 | 3 | deposits shrinking, assets shrinking | noncurrent p90, losing money, charge-offs p90, expense ratio p90 |
| 2013-06 | 3 | charge-offs p90 | reserve under noncurrent |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 3 |  | deposits shrinking, assets shrinking |
| 2014-06 | 5 | deposits shrinking, assets shrinking |  |
| 2014-09 | 1 |  | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-12 | 0 |  | noncurrent p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |

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

- 2026-08-18 [Road closures near downtown Jacksonville Bank of America tower - News4JAX](https://news.google.com/rss/articles/CBMirwFBVV95cUxPM2VtZ2lJQnhTeUljV3VFM0lvcUlkN0hvYkRUQ05MRzJSS0hGdjk4RV9SaXVMQTQwcEhGdUhhczJWOFJLcWxTN29rRUxTSEJObFpTMjJjajJ2WURtTmNrQThtYlZsekpwTXBjYnRwR1YtM0JORERJMUg3UTZrQUc2bklEN3l1QjVQV3FramllRWVoQkM2ZVR4cnR6QUxEbVJFc1RzYUFOWVFHMmd0SDIw?oc=5) · News4JAX
- 2026-07-06 [One of America's largest commercial banks is putting more of Florida under Jacksonville's charge - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOd1lON2cxQVUzVnFzQ2JDQUxGWmpGLU5GeDQtTTQ3NDd2VXFsRFdvQ3lYY3RIVmh5YTlIVjBvRVFxWVdSRjg4ZEpVODE4cVYxRzd0MU9WZUhsdmlYQ0JiT0Mtdk0yOWgyNEJQc0JQYjcyZmhnR2lUT0p1bmtLeU0xWlpDVmJsZEdPRXdMWHkzUTBfM3RHLXFZbGhDVThobnFhRFdqSQ?oc=5) · The Business Journals
- 2026-06-25 [Jacksonville bank adds local experts with 'invitation-only' hiring strategy - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVEIxTHM4MGVURmctbG56OThTYUJfVmhTdnl2YVFsMm1fb0w4YnNHdEsyWEpWNFlpb05xMDhuS21CMTk4QXc4YU5ja0gta1ZBMUVUVGxXUUdMNVlIMlVUcWMtYTlmNllnMmppZGJRLXByd2NqMXlvS01CQkVCTHpFMm1pNHFsZHRaYXBhejA1elBPMm5xU3JHNzd6aW1UX2RqbDRXWnhoSmU?oc=5) · The Business Journals
- 2026-06-01 [Spotlight On: Luciano Noir-Jones, Jacksonville Market President, Ameris Bank - caa - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiswFBVV95cUxNUDktYlVLaVIwQnpPRWdHNGkyYUs0SHh4emZIVGhqeTNPRmtaeTR0NjNlYUlXUmExTkxlajdQNVJIaHU4NlVrbGtWdm9fckRhREZ5YUJrWm1JUExUSFd5TEZldGkyN1RmN1V5UkhPUTNLSU5fT2ctNERyb21Zc2NxRl9FTkJyeWZybld0aHVjQU1xZlBPRXdPTW1uNl9xaWdUSXVhV1VEWE5EODdMVFZhcmh4VQ?oc=5) · Capital Analytics Associates
- 2021-11-29 [Ameris Bank completes merger with Jacksonville Bank and parent company - The Florida Times-Union](https://news.google.com/rss/articles/CBMizgFBVV95cUxPdkQ1eUU5RTlPSFQwYnZRc1R1SGxHM1hxUi1vQm1zQlRuaHNGZnZwTDFMaFJyeUFiVzNrXzRiUWhyMGdUMGxyZEhkdkdQVzg1aXkxS01zelBTS3luN0tybl85cVVqUnVqVXVJMzFlbThWU0psT3JleHBQNkNxSFVtZG9yWXpmM21XeTBoSjhwdWNlMEsxQVlIVFdzX3Y2RUdBTENaaWtQM012UERvbU1yTGdiNVhxXzVsam9nQkhyMUNWaDdPZVd2MmdMV1FMUQ?oc=5) · The Florida Times-Union
- 2023-11-10 [Two Jacksonville bank robberies, police searching for one suspect - Action News Jax](https://news.google.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?oc=5) · Action News Jax
- 2022-10-25 [How city faded as a banking headquarters - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMikwFBVV95cUxNNTh3LV94ZGRQZzc3b0RCa0dtQ1R3X1h5TEl4Mm82ZFA3WDdoZVQwejFWYXA0TDhPUnpBT0NYOUFIdjdHMG1JUTV5WGtwT0prdUtfMURHWmxodkNDMTBrcjdKMnFidS1uclBydGUzYXlUd2VGOEJWT2tleVhJWl9Zc0FJaTI5OEtLSF9VS2dlc05qZ1E?oc=5) · Jacksonville Daily Record
- 2017-11-17 [Ameris Bancorp To Buy Jacksonville-based Atlantic Coast Financial - WJCT News 89.9](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVWxoQlBPTGhsd2g2TmwteUZvME4yOGdBNFdsVjNYQTlEMGVzSGg4TUNuSWlKYmV4cnVoRnZhRlduSXJSNXJjcTRoV05uQVpzS1lDbFFZSmpqdFhoaE14czJFc1Z0TzlkXzJ1MWhSdWZZTU5XNzJHSkh3bjNTYzl0YXJnc2NZaUh5ZEkwUWlnb2VUS3R6OU9MSzh5Y2RCNmVoTlh2QjVLel82S00?oc=5) · WJCT News 89.9

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34941 (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/61.json (key "34941", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide