# LYDIAN PRIVATE BANK
PALM BEACH, FL · FDIC certificate 35356 · asset band $1-10B · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $1.70B | |
| Deposits | $1.25B | |
| Loans and leases | $1.16B | |
| Total equity | $39.4M | |
| Loans / deposits | 90.33% (p77 of band) | 79.44% |
| Liquid assets / assets | 24.89% (p41 of band) | |
| Uninsured deposits / deposits | 2.04% (p5 of band) | 17.54% |
| Brokered deposits | 2.78% | |
| Wholesale funding | 25.65% (p87 of band) | |
| FHLB advances / assets | 20.19% | |
| Tier 1 leverage | 1.70% (p2 of band) | 9.28% |
| Unrealized securities loss / equity | 342.19% (p98 of band) | 2.76% |
| AOCI / equity | -2.87% (p0 of band) | |
| ROA (annualized) | -4.01% (p2 of band) | 0.72% |
| Net interest margin | 2.62% (p12 of band) | 3.67% |
| Efficiency ratio | 114.74% (p97 of band) | |
| Noncurrent loans | 7.61% (p88 of band) | 2.56% |
| Net charge-offs (annualized) | 4.28% (p98 of band) | |
| Reserve coverage of noncurrent | 27.78% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 106.31% (p91 of band) | |
| Auto loans | $270,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 152 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 9 | construction >100% equity |  |

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

- 2011-05-13 [CEO Of Florida-Based Private Bank Resigns Over "Vanishing Capital" - Family Wealth Report](https://news.google.com/rss/articles/CBMivwFBVV95cUxNOVJHdFg0M1U1QjNRdEpCcXYyY092Nnp3d3VXbGpJcjNIekl0MlpKZmt3bU5POWItY0M5aTkyV05PZTktZmRRSjJoVXlhZVdKZ18zZ3E1YXZlSW9GNndmM1pJVW5uU09PQmRfLWZYNlVwdEh3cDRldDhibUctenptVWF5SklhT09PSmhERkdDNUJCYUk4QnRDX3kxejYwaXhMRVJSVU5falp2b1V0dU1DWHdUb1FOVHIzT3BBbEZjcw?oc=5) · Family Wealth Report
- 2011-08-19 [Lydian Private Bank fails, Sabadell United Bank buys its assets - Palm Beach Daily News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSFhScmdMNVRNOElXQm1Ta08xYzZTX1FISjhqcllmZk4tc3AzcWVJUjhKaHF5bGJqUmx0eUxtUGxHT0dqdVdwVVlLUWlqTTJwVkRGR1pSVUNlWnJHRnhiVmhBRWRqVlVsYjNLNEhHMmlCRkVDdmExX1E2TFhHN1JPQ3RVcHNpclRzb3J2aDgwYmQzNmI0YjNxYVlTQ0tIZFYwN0JoYkVn?oc=5) · Palm Beach Daily News
- 2012-03-28 [Toxic loans, bad leadership sank Lydian bank, feds conclude - The Palm Beach Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbjBiM3VXbW9ZOGY0LWh1UWxlOE5rd05fSzFkeDJDWEU3dlFzYWpNTGhndEE5Vlg4R2hOUHNzMllGQlk4bDByTVlqODJzZzN0RkM5WUViREdlaGo1OXdkX1ZLZExyUDRYN2tDUXE2ZDBoN2Z3bE84SERzUnE5anY2eWdQWlNZdUpOQ2F4TUtXLUx5TDliZmpYWjRKWEJDaEpB?oc=5) · The Palm Beach Post
- 2015-11-24 [Former CEO of Lydian agrees to regulatory penalty - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxNeDlTN3hBNjBoSEtMZVAzUnBydUlBZC1RZjhVejAxLVoyVXBOcTNsclZKSjA2SWFyUnNvd2ZKdWlhMHlVQUQtWG1DeG5tbndvNkRUTkZ6LWFvOFg0Tm1SRWdoLW1rYUt1SDZCNi05dEQ1Zm1QbEhRVlJyQ25HRHhMWE9DSmZGSS1lMGI4Y0dKU2s3VjRpQ2I5QlFrQzZTRTZ5em4wd3dwS3V1d1Bydl9lcQ?oc=5) · The Business Journals
- 2012-04-04 [Private Banking: Sabadell Bank & Trust - Florida Trend](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMzNkLUJTOWc1ZUpvZTNnWHBoYk1MQ3Y1NWZYTmkta3YxU2xRRkhIVzd3VXlkdzRrT0lPUFFfUkVzeDUxRng3ZDUweDZmTG5xTFZYMHJUSW1Cd1BlTlRrQnJfa1I5X3M0dlk4VUpYb3VvWHRmV0pqSVNaeUFBR1FwRTZmVQ?oc=5) · Florida Trend
- 2011-08-19 [First Southern Bank shuttered - Statesboro Herald](https://news.google.com/rss/articles/CBMieEFVX3lxTE9UbTNaclpsM2NZOGdDb0E2dmcwWHB5NHFjRWlmVFRWNDMwcGgwMDdpdV9Tb09nZXNLaUt3VGlxbHBVNmlrb0VEVEVQbmxXeERoaGNXNDYxZXZVRnEzTnNVajgyRll0d2NfYXhFQm5vdFlhVUZRdVBnbQ?oc=5) · Statesboro Herald
- 2011-06-20 [Florida banks peeking around the corner at prosperity - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMirAFBVV95cUxOV3Q4cjFkWXNlVlBtR2ZvRE42OFF2TDVZSTVDaDVVWkZvYjVncDg1M0tSbEdxYkxENlZmaGhLY2g2X2dkb3dMSkppTXBKRGFWTk8tRmxtWHl2MnZ0SEpQQW5ZNU5FQlMtdHBvZ2ExcnZ3WVFXOXVtU2t3MmNnT2RtandtVWJiUjdCQVdWb2JSSU5jSEtNWjNORy0wWmZLMlBsUFRMb2ppTkFRaEtC?oc=5) · Sarasota Herald-Tribune
- 2011-08-19 [Palm Beach-based Lydian Private Bank fails - The Palm Beach Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVDF2VkZLal84TGJfUno0ZGQ2dmVtZnZTMllqa1BobVVJd2xOWTdVVTAxcVhQYTNxZW05WHpYNm1reHdpM2toUVdOVUNFcXVTandVNEhDbmtJN3hxRzB6bTdFakJOck1FY25rbEwwY2Vfc3dKeEFabjlYcVc0Zm5PLTE3ZDNJaTBEYk1HaGNRaTdBa3lBRHpEbEdnRkZEWnE3?oc=5) · The Palm Beach Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35356 (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/28.json (key "35356", 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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