# GULFSTREAM BUSINESS BANK
STUART, FL · FDIC certificate 35092 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $543.0M | |
| Deposits | $468.9M | |
| Loans and leases | $376.3M | |
| Total equity | $61.4M | |
| Loans / deposits | 77.69% (p50 of band) | 77.63% |
| Liquid assets / assets | 28.68% (p50 of band) | |
| Uninsured deposits / deposits | 21.91% (p64 of band) | 18.22% |
| Brokered deposits | 6.85% | |
| Wholesale funding | 9.03% (p66 of band) | |
| FHLB advances / assets | 0.92% | |
| Tier 1 leverage | 10.96% (p70 of band) | 9.92% |
| Unrealized securities loss / equity | -1.59% (p47 of band) | -1.24% |
| AOCI / equity | -0.68% (p79 of band) | |
| ROA (annualized) | 0.73% (p41 of band) | 0.83% |
| Net interest margin | 3.43% (p40 of band) | 3.59% |
| Efficiency ratio | 66.70% (p41 of band) | |
| Noncurrent loans | 1.15% (p49 of band) | 1.18% |
| Net charge-offs (annualized) | 0.71% (p93 of band) | |
| Reserve coverage of noncurrent | 276.04% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 55.45% (p71 of band) | |
| Auto loans | $209,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 1 | assets shrinking | charge-offs p90 |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |

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

- 2017-08-23 [CenterState Banks to acquire Fort Pierce-based Harbor Community Bank - Treasure Coast News](https://news.google.com/rss/articles/CBMiywFBVV95cUxNdVZUQ2FtclNSUnMzcnFGZ2c2Z2ZvZ0Q5RkJwTDFHX3ZIaGpaemsycmNDTTBZYTZ5SV9ITDhDVFpMWmRIX2xOLTBzeGJfYXZDTU56Q3UzXzNiS0J6aF85U2NiX0RXZ3VuRWlmUkZjRnBQWmZxbW9vQjhmTDBvTWZyaWJMZkg3XzdQYmtqUTFLQUk4Ty1BdkhwWnZpdmd3SFZ4aFFlRUxtOFpCXzFFRUxuQVZSRmVVTWlHeEpXaGphNGdjVm5JUU4yOVV4TQ?oc=5) · Treasure Coast News
- 2014-12-22 [Ratings Say Banks Are Healthier - Lakeland Ledger](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcDJQLWd4M1k0bElqcEhnRDRCODEyc1pkQm5TWjd0MjlyQjN4Sm1UVHU0M0tHOVA2WGFZeUhrZ3FkbndscVBuTGk4aUlIM2lJRk5MN0pncUU0OGZ1Vm5RUzFSMVRKZU5haW9jRE5vMS10TTlLU3BYcHFBZUxXMHVyREtIeXZtd1J6Y0x5aFp6aWVYSFY1Zk04?oc=5) · Lakeland Ledger
- 2015-10-07 [Homestead bank to be acquired by Central Florida institution - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPX2k1ZUZkYXpfZFhWbWY5T2h5dDNZcFdwcEMzVVdYYWdLVFRiQXczc2V5bWxCWE55czZfMjdzUE5WZWJjTE05QXdnTUNwRGNKUUVwOEgyMExQa0JNT3dZVDBHRzIzTndVeWZIR3Q5X0dtZjI3SjQ2cThwYm5rWngtSlNLNkFYZFRRejF2NUVlUG1ZZzRBd2ZRemxpRmFEbGVYLWl2TWlleVNIOHZfWHpR?oc=5) · The Business Journals
- 2021-10-13 [Richard G. Jacobus Obituary - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTFAzeFNpVHJaTnlRLTl3MXprZFo0bGM0TUhsSkdjOFZvQkxvOVlha1h2dldhTlB5QmVWVmdYeXVHSlNrTUNmRTZXX2RmYXhvT2hpX18zWGhmUnQ?oc=5) · Milwaukee Journal Sentinel
- 2021-08-04 [Local banker Bill Penney named chairman-elect of Florida Bankers Association - Treasure Coast News](https://news.google.com/rss/articles/CBMivAFBVV95cUxQbnhEUHpzMEtDU2NfbDFPeURwT0lVRWlMbHFUc1dmZVVsT3d6SjFtRkJlUWNSVVJpRV9xalkweFBMOFRFNkJFYkk3cTVlN2V3aGpJM3pLRVdlMDBmLW1CTlQ4VHBvVEVyWFNTcG83V1g1YkMwTEFSV2FPMjZqNjNUdEo5YmpBamFQWnJDUHRLXzF4WkI0M0lOYURXUlpFYjE2aFRDVVlBQ2JLTEpRRGNXMFBCb3JUMEFRaEtRdw?oc=5) · Treasure Coast News
- 2008-06-10 [Robert Cline Obituary (2008) - Stuart, FL - TC Palm - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeWszOXBLVnp5VVVTZmdzZWttb3BnSU8yeThYemVEUlJTYl9oWG1DNWpqZDFNa09HSzloOVlYMXFmcjZPNUw2YVZ0cjNqWDR0bWpuSG5TRlRaSWxVYkgtcjdCT29pS3d5cmc1dDk1UC1WaG9kblVnQTNKM2Y3T3N2cVNnQWxFeHBJQkE?oc=5) · legacy.com
- 2009-06-07 [William Porter Obituary (2009) - West Palm Beach, FL - The Palm Beach Post - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUFNyRTNQaEtVUHRheEs2b2xyM1U4LVpqalRia1Z4SXMzQTB0ODUySW9hVFEybXNQYUV4ZkswZ0dFY0VYcDBwZFlFVUhna0oySDEwR3hZTGlIbnR1dy1JeGxwQzl0NjR6SW1PUnB1Yy13SllKdDh5c3dCWXZXeWI0bUplTWowR0M0R19Va2p2RTlJNnFBb2c?oc=5) · legacy.com
- 2005-09-25 [Dr. Weir Lee King Sr. - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONXNlaVpRWjg3b092ejZGcDhnQW5YRmg1MVR5aUR2S3FIeW91UTVHME9jV1FOb2s5Yl9VWEMxeEpKNG1BR0NGbXVFbHUyaGwza1JiTklJWWduWkJLU2pGQVhmaV9JRkRfUmZjdDJUM1JXNnRiNFNyVUlfY3BNWmVXRUNmS0xNenEtRFgw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35092 (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/20.json (key "35092", 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