# TRANSCAPITAL BANK
SUNRISE, FL · FDIC certificate 35050 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**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 | $208.5M | |
| Deposits | $163.3M | |
| Loans and leases | $163.0M | |
| Total equity | $38.9M | |
| Loans / deposits | 98.85% (p90 of band) | 77.79% |
| Liquid assets / assets | 16.42% (p16 of band) | |
| Uninsured deposits / deposits | 6.28% (p11 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.88% (p59 of band) | |
| FHLB advances / assets | 2.88% | |
| Tier 1 leverage | 18.83% (p91 of band) | 11.56% |
| Unrealized securities loss / equity | 0.06% (p24 of band) | 0.80% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | 2.38% (p95 of band) | 1.05% |
| Net interest margin | 4.11% (p67 of band) | 3.84% |
| Efficiency ratio | 42.36% (p3 of band) | |
| Noncurrent loans | 0.23% (p34 of band) | 0.56% |
| Net charge-offs (annualized) | 0.02% (p59 of band) | |
| Reserve coverage of noncurrent | 410.50% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 59.30% (p84 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | NIM <2.5% |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 8 | leverage <7%, expense ratio p90, construction >100% equity |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, capital falling, expense ratio p90, construction >100% equity |
| 2012-06 | 7 | charge-offs p90 | losing money |
| 2012-09 | 7 |  |  |
| 2012-12 | 6 |  | uninsured deposits leaving |
| 2013-03 | 4 |  | leverage <7%, charge-offs p90 |
| 2013-06 | 3 |  | assets shrinking |
| 2013-09 | 5 | charge-offs p90, assets shrinking |  |
| 2013-12 | 4 |  | charge-offs p90 |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | uninsured deposits leaving |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent, assets shrinking |
| 2015-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 |  |  |

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

- 2019-03-27 [Power Financial Credit Union Announces Merger With And Consolidation Of TransCapital Bank - PR Newswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNdlRjc1RKaE00WEJCRnhGWXVTTk1uUHlIdGhDY0x3X3BXRWxGNV9RWF96Si1Kc2ZHbXlVQnVEdlVZck9qcGpGeVllQ0N4UHA5UGpBQ2Y4NDB4aGlpd2U2NG9udzl6dmxBOXRhMnJ5TFJfSGFaZHhqbndqM0xPRFhSdmlleUpfbTlfZ3RwS0VhSkFzY19YRDhITG9fSGZzZ3lwZnJ2Rk1iZktaV2lONHBTdy1ITUVIbHFjb0NNTnhCYy1NMFNjOTItRE1XOGV0TC1KcmFqSzJuaUdObk01OWc?oc=5) · PR Newswire
- 2019-03-28 [Power Financial Credit Union Plans Bank Acquisition - CUTimes](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVEZ4Ni1VVUNjYWVUVm5WUWVfbkFQVm9jNFBZX3J5cVl6RkwtcW1zRVFXblRNcjJLeXJfVjN6RHNWMDB1MHpPenZkcXZoX3F0cFNuUldnb0o5OWJ6ekhlRWJFODJLR3pBM0NHLVdEcE4wWGFXUE5jV1pUeEZSWm56UXlpRWZjSFdKSlgtTXlOanU?oc=5) · CUTimes
- 2019-12-03 [Credit unions' bank buyout spree snags biggest fish yet - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxONk1mOEVJUUMxaWhLRFpVMWtEUzRDZVdXOFZFSHdOa3lnNWlFbVFHSlMwcFRLVVJHQWdoU3N5NWRGeG1DLTU5dlFVZHJNTXJnRkJ3Ry1ub3ZFcmNyM3dvd0tXRXdLa3hSNTRsUHFTM3RsUXJGemFJd3dDQ1ZhNTRyMXp6bWR2UWhrcUlEYnRqSWxmY2xt?oc=5) · American Banker
- 2020-02-12 [Executive Profile: Allan Prindle on going from bank teller to CEO - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxNTVQ3UHdkQ2pabTFteWRRNjF3NE1Zd0dTdV9wU0Q0QlY2aFE5aU55X3ZYUlFESkU5T0dnUHBkYUNrMHhOQTVUb0tvMlRFc3hEWFNNNnRBeC1IZEM1VmhwUHp5ckcyM0RkcDhmLVZFLThqX0VHT0VWTDdfSXRKUVJGN25lNERibmhhUGU0RVRobEhvUlBZcUhzag?oc=5) · The Business Journals
- 2015-03-29 [Dispute continues over ownership of St. Clair Inn - Times Herald](https://news.google.com/rss/articles/CBMirgFBVV95cUxPOHRXRlNLSUotcVVzcFlFYVJIRVprZGNfdHRJZU1IMkdUa0puLXp5bUVTanNkWjRiMHNmOXdhWFRIUDczVmpzVmZYTGtpMk15cFNuWWVQdC15TDVxOGliSkNWVGQxczBnNDkzZHdMSWNqRWNpbjIwWlBPMW1VMEFfU0MwUkJ5QjEwa1EzVDc5YmFGb0k2em9xWE1UNHJ1UUU3T19Wenh2NUh5S3R6QWc?oc=5) · Times Herald
- 2014-02-07 [Polselli, Rock Investment Advisors, admit to Sugar Loaf ownership; two suitors vying for purchase - Glen Arbor Sun](https://news.google.com/rss/articles/CBMisAFBVV95cUxPTTlSRTFlNlBNLWhyVklTLTJBdkg4R1VHejEzYkhzaGo2Nm1JT1pURFA0bFBfOGZmNmIySVFRRnRsaDZmRmZ3N0VqdDZBQ3RSRUs1aVItaUdqTVZXVDJOV2hFLTdFRmpQMWE0STRvN0EzeVJWV3NNTTd3Zm5HX19jT3ZieGEwV3o3VVhVOWp1LTNUYVB5TmdmZTZ0Q2ZzNjlXNEo1NDkzUTQ5dUN3NzBtYg?oc=5) · Glen Arbor Sun
- 2018-02-10 [Indian River County public records: Feb. 10, 2018 - Treasure Coast News](https://news.google.com/rss/articles/CBMixwFBVV95cUxNNlNraDhZR0JSSzczOXBOVnQzRGY1V2twV25HWlZIRjZLWTdRYVBMa3pBcnpiRmJsTmtabEdqMnFxcGk0dUN6Z1dkX3NDb0dCS1RDQXpKZGhkRnlMWFpXSFJFRG55dDNOYjh4bjZRb2xCYVRaWXczTTh0NHYyWGxtLThidHd4dk00Umo0a0JiRURSNHV4eWp2OW9GUTBFckw5cFNCWFIteTdGeHd4cWpRcmRxVjFvSkxhX0V4RENhTHlsbUozdDNr?oc=5) · Treasure Coast News
- 2013-08-16 [Renaissance Commons loses $52M foreclosure as auction looms - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQ3dpaWlNa1NmWUtPUWxSSGJkcDNJS1FLZ0VvRFMtUmRybzhnUTdMRTdHTGFfNm1fRW1CMUNiSzdwbkV1aWNWeTBvVmpmYWNMUWV0UEdqRHFFbFg1SEN6RWtVMEFuS0tET2VtLW84YTJzTWh1UWlsWWJBN2wzWlRiM1ZqUnJYaHNQMDJGSXZFNXBPc2xySFE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35050 (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/42.json (key "35050", 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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