# CENTRIX BANK&TRUST
BEDFORD, NH · FDIC certificate 35035 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $965.8M | |
| Deposits | $728.3M | |
| Loans and leases | $729.8M | |
| Total equity | $92.8M | |
| Loans / deposits | 99.10% (p87 of band) | 80.43% |
| Liquid assets / assets | 22.13% (p36 of band) | |
| Uninsured deposits / deposits | 30.46% (p82 of band) | 18.44% |
| Brokered deposits | 18.49% | |
| Wholesale funding | 32.31% (p98 of band) | |
| FHLB advances / assets | 4.97% | |
| Tier 1 leverage | 9.63% (p39 of band) | 10.05% |
| Unrealized securities loss / equity | 0.51% (p52 of band) | 0.40% |
| AOCI / equity | 1.01% (p45 of band) | |
| ROA (annualized) | 0.88% (p50 of band) | 0.88% |
| Net interest margin | 3.56% (p46 of band) | 3.62% |
| Efficiency ratio | 54.57% (p15 of band) | |
| Noncurrent loans | 0.86% (p45 of band) | 0.96% |
| Net charge-offs (annualized) | 0.07% (p55 of band) | |
| Reserve coverage of noncurrent | 129.03% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 94.09% (p90 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 | -0.6% | |
| Employees | 110 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 4 | capital falling, reserve under noncurrent |  |
| 2013-12 | 3 | construction >100% equity | capital falling, reserve under noncurrent |
| 2014-03 | 4 | reserve under noncurrent |  |
| 2014-06 | 3 | capital falling | construction >100% equity, reserve under noncurrent |
| 2014-09 | 2 |  | 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=35035 (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/27.json (key "35035", 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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