# CURRENCY BANK
BATON ROUGE, LA · FDIC certificate 35019 · asset band <$300M · latest filing 2026-06 · live

**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 | $248.5M | |
| Deposits | $203.2M | |
| Loans and leases | $191.8M | |
| Total equity | $39.4M | |
| Loans / deposits | 93.00% (p84 of band) | 73.59% |
| Liquid assets / assets | 15.02% (p12 of band) | |
| Uninsured deposits / deposits | 30.28% (p82 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.01% (p59 of band) | |
| FHLB advances / assets | 2.01% | |
| Tier 1 leverage | 13.38% (p66 of band) | 11.76% |
| Unrealized securities loss / equity | -0.78% (p80 of band) | -6.57% |
| AOCI / equity | -0.47% (p46 of band) | |
| ROA (annualized) | 1.95% (p85 of band) | 1.17% |
| Net interest margin | 4.70% (p83 of band) | 3.93% |
| Efficiency ratio | 49.59% (p13 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p5 of band) | |
| Reserve coverage of noncurrent | 1050.00% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 56.79% (p83 of band) | |
| Auto loans | $118,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.4% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | deposits shrinking |  |
| 2012-06 | 0 |  | deposits shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 4 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2021-03 | 2 |  | capital falling, charge-offs p90 |
| 2021-06 | 3 | NIM <2.5% |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | losing money | uninsured deposits leaving |
| 2022-03 | 1 | capital falling | reserve under noncurrent, NIM <2.5%, losing money |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | deposits shrinking |  |

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

- 2026-07-10 [Circle Receives Final OCC Approval to Establish National Trust Bank - Circle Internet Financial](https://news.google.com/rss/articles/CBMiogFBVV95cUxQMDNLVnlLQUJJd0RxNWU2UUxJV1hiZU9JaWM2VHluMzNKa2ZzR0VxdV94UG5LT2N5cFBfZDhWZ09YWTlMNVF0Vy1QREZDVEdNU19tYVBDY1lUM3l2bG94bXp1VDM2MlpESkFLWGg0YjdXVDhvMmtXNzJIcUtYWTR1N1NmZ2JfU0NKRHRKQUNCMmQ1cU9WTTZ6ZzBVQ2VmQldMZWc?oc=5) · Circle Internet Financial
- 2026-02-24 [A Baton Rouge bank is selling its Arkansas branch. See who it is - The Advocate](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZTZudXBaM0lsd1JxZjJiTnhvRkVIaUNPYWhqMTVqd3hsMlZCTXB2ZFY5ZlJiYVRnaHdkYlQwSFRxWUdRTF9xYk85c05SVU9yQ1FWVENJdXhVdmFHdTZUNXBDcWRFTnQ3Sk1CQldyY3hOd2ZXMTJwNEZ6aDBmQ25raThpYzFmQzZCbEwwQ01uNEdxUTFwTE1WOTBXQWppekRIWF9lLWRwSktyaGVabmZjQzQ3ZWFOdGZhTlRzLW8tWjFyeUpnYkpvbE5MNWZkS09jYjhF?oc=5) · The Advocate
- 2026-04-27 [Eudora Bank Branch Changes Hands Between Two Louisiana Banks - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxPV2FaUmpUNG1aLW1DZWJmaFRqZDFtNUpBVXNFenVLekdJWjVMS2NPWHZ4ODYtWXRwRzNFYUgtaU5RbndjUTBMMGM2U3lJVDYzWkpiVFBiU05FZjdtbXBfSkVXSWt1WHlXQUgwZU94ZVFqYTlFMnoxeW1HUlI1SGZxeE1zM2swSWIxSFFkZmttbWxabWdKcW5yam9DWnJtNEpPbDBENw?oc=5) · Arkansas Business
- 2025-12-12 [OCC green-lights Circle, Ripple, Paxos for national trust bank charters - Banking Dive](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORnEyeURod0Z6aHFnNEhyYWlVWTNueHF1VVZ1TXZ3ak0zQmMzMnctbzFZanNfQWMwY2FwLUQ1ZlpnNUZDVnZJUGlqT0x2M2w0SlZaMXRYaUwxSlVUeTRwd3F0VlBxZldZQk9PcVlHSzdjTmJyV3BLSXZ5VEowYVRla2NNclJhTUFhWHB2dXJwRmVRaWJHdEl4d200eldRSVExWFlxUmZ5SWUxMUV1ZjhiNy1JT2FUdjNkb1Zz?oc=5) · Banking Dive
- 2026-03-06 [Eleven Companies, Eighty-Three Days: The Race for a Federal Crypto Banking License - fintechweekly.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTkpUUmp6N2dweFZVYVR0Rnp0WHQ0ZDc0R3BZeFprTkNLTVB4aFZpU3JuVkQyUUFfbXlLaW5jajVmNzE4eDc5dWdsc2pYLTlIT0ZzbmIwTkJBa3dlUzl1UXJ6WEE5Q3BfcC1md2o0OUNNSWRoQzFuZmt4TDZTQ3lBTFpSc3o3aFQtMXlHOXVVWQ?oc=5) · fintechweekly.com
- 2025-11-15 [LSU Announces the Rankings of the 2025 LSU100 and LSU ROARING20 - Louisiana State University](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeHlFNkVlSjhXUmJfaFBKT2ZIdnhJU0Z6VjFnR0pRYjljT2pRVzk2dnR0TTliN09fUWMzaFFuYjJJbmVsM3Z1T193NHYwMDBQTUI2WFFBZUtSamhyRGVyRnZIaGZUM01yUVhxOHpNLVZ3amc0N09jVzVPMlFTbVJhNFFBemhsWFl6WDZkR2lXLTRId2NXM3B0cG14bXVxcG4tMFF4ckI4cGJ4Tmt4TU1CZA?oc=5) · Louisiana State University
- 2025-07-08 [Legacy Business Spotlight: Currency Bank - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVy1hWWRwT2c5WlFBSmhhcGZtTzJHM3dwU3hqZXNjQjRfZmx0LU5WNFd5Ty1XS3RkbDdyR1VCaGFjRks0dlZpYzVDUTBNQ1BDT05CVjVUNDNaWmt0NWljcWQxWmphRFZOcnhxMkE2TmhJLWNVS0UyUFZ6MFZydGdkTmIwWXpzVEptTHh1UGRKRTB4SzlRbl9pWnlkWdIBowFBVV95cUxOY1J4YlZxZFRnYVI3ZXZHNUJrRzQ0cVhKblB4MFMyTzU2dWtkcWE2SGx6NEN2Ql9sNUt5LXBJUEt3cURlbmxOMGNMVU9MemRQbFBjNmFPOW9nRS1XSWlBQjhVQzFNNl9XQi1Jak9TTmxyelJJZGJGMW9adnFuZjFsYk56OG43RllRZGdWTkI5cUhxS3VNZ0RQYzlTUEsxbW9XeHZj?oc=5) · Baton Rouge Business Report
- 2026-03-30 [This Baton Rouge bank plans to take over the Capital Region - The Advocate](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQOEpMdmc2N3oyMnpnN1k5RVQ3cEpmVVhpVmwtSTNLN29ndElnUGY5RGZmUTg2ekEwVmpNdE9ZUkUxTHRKWXNfZ0wybWY1aGFzYVZsemdzbC01eF93WEVsYmFaajBIdUlwMXkxV0Q5bXVRQ1ZLNHY5VHNVbXkxdkNEQ3NsSXBHWjVwY01MRFdOcWxnODJ3WHRqRE94MktxcVpZXzltaDBwbmJkbTZXVHRwbnBLR1FtaU5TRFF0dWRmWEM3RTRvaEVjTTR4TjhGbm90RnZF?oc=5) · The Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35019 (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/11.json (key "35019", 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