# BANK OF NAPLES
NAPLES, FL · FDIC certificate 35396 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $116.0M | |
| Deposits | $97.6M | |
| Loans and leases | $78.0M | |
| Total equity | $3.1M | |
| Loans / deposits | 72.78% (p57 of band) | 69.17% |
| Liquid assets / assets | 35.84% (p52 of band) | |
| Uninsured deposits / deposits | 8.95% (p54 of band) | 8.28% |
| Brokered deposits | 0.21% | |
| Wholesale funding | 13.14% (p90 of band) | |
| FHLB advances / assets | 12.93% | |
| Tier 1 leverage | 2.29% (p1 of band) | 10.02% |
| Unrealized securities loss / equity | 8.09% (p78 of band) | 3.21% |
| AOCI / equity | -0.13% (p22 of band) | |
| ROA (annualized) | -1.12% (p5 of band) | 0.78% |
| Net interest margin | 2.59% (p7 of band) | 3.76% |
| Efficiency ratio | 194.23% (p99 of band) | |
| Noncurrent loans | 12.60% (p98 of band) | 1.31% |
| Net charge-offs (annualized) | 0.54% (p85 of band) | |
| Reserve coverage of noncurrent | 70.75% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 235.36% (p99 of band) | |
| Auto loans | $51,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -27.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 10 | capital falling |  |
| 2012-03 | 12 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 11 |  | capital falling |

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

- 2026-04-06 [All First Foundation branches to operate as Sunflower Bank - Gulfshore Business](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQQV8tUHlWR3JYd0FIX1dRYW9HY2l3Tk9mbVQ5alFBd0d5c2ZNUjRZZDg1Z1BLQ0hZdDlKVENzajRJTUZMOUY5Qmx5cFF5UGVGTXNpQUJjMHpRcEFXZ0dHYlhkUElWamV6dW9QdHFNZWZDWXhhaEVjLXFqMUxCWVluUEdnR2Q3dDg0c3pXVU80UnZWUFYyMGZBd3VrOEJqcVZfcUNsT29vb3J1ZDd4YzdaazI0N3g5QlN6MlR3YWFQc3Bqc0lONUUzWHVDcVpldWxoVWwtbmh3YXBFeElNTXc?oc=5) · Gulfshore Business
- 2025-11-03 [Fifth Third ‘Castle’ closes Aug. 28 - The Naples Press](https://news.google.com/rss/articles/CBMiywFBVV95cUxNazUxeW1lUExDVnY1bURyaTdGRU9MWDBDdWZSMjVpZW51WmtoU2ZrY0pRZ3VVZ2UtSGV5MTZ0NmttREQyUUg1cWtLRC1jdnZZY2hid1Fob2dnRUFBbjBCZk1LVVAxbzNodnlCMmFMTUx4VFFtdmRsUmszNVFEMm9wME4tZzZnZkF2VmFmODBxaUN3Y2t5UGJzRHg4bU53aV9aRXloTnhLYVlWTnUwWjB6d19QOVQwRDZHUmVEMkVpeTQxTkpZYnpxbndYRQ?oc=5) · The Naples Press
- 2007-08-05 [Luck of the Irish: Shamrock Bank opens in downtown Naples - Naples Daily News](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1PenZkUFVQSWZOaVVtUE1lUmF4T0l5SnB3dzFQNHJNN2JwTmdfVHl5UU1EVTVlY0tPODFTeVdUS2RaSTY1VFgxZEpjQUZ6XzJrSFZTSm5qNndEMlp0WHl5Qjc4UE4?oc=5) · Naples Daily News
- 2009-10-23 [FDIC shuts down Bradenton's Flagship National Bank - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxQeVdxaXFIcDdHRHdSTDZWY3R0djlSLVhDdXJZNEZIaHJrLTZHU2ZNMndlSmR2NW1WdjRlR0tkajg1ckcwQTVMYktlM0FaT1dSNEhMUFpUZ0tCQlgxdGt3b1FLbnhkb0NIUUxSaVhwM19JOHg3MnNhQkxfTnNubi1rbFd2VWN6TWNHN29WdGRBbnBaS0xnc0NVTUlJRWg3bE1yLXZ3VkxUV1M4REdiOGdPd1NlRHA?oc=5) · Sarasota Herald-Tribune
- 2021-12-20 [First Foundation Bank acquires First Florida Integrity Bank of Naples - Gulfshore Business](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOaWhCN2ZYVjBUekVPa1FkRktTS3pKajY2dWRCb2p4WURoa2ZyTm9vM0ptaXFNYS1wcmdtaFRwNWVoWkU2TlpmTE4xMF94cHMxS1hwb1FEUHR4c2d5VDZUbHoyUXBvamFzdmhRTzlYTExXRzNSTWx0NGZVaUJxRXM3QXFhSXpWSUplOEF6bDM1R0hQQnB6YXlhQnBic3lCNVdxckNMUFdHbDctWlhqSlpROVczM3VyVDFCbHF4WElUSVR5OURXTGxON2dSWVJfNlJFTG9zY1BZZU9KaVRlWkVsNnZfQVVITWpIS3BRYTFmVDc3TU94eWNPeGk4YVdmQQ?oc=5) · Gulfshore Business
- 2012-06-27 [Obituary information for Berry Gene Trapnell - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxQeUVuTEVzSFIydDQydUdZRjN3U1I0WVI5LUxNSzdUM0p6MGlONURsRGtnT3Y4Q2d2UG5hZ2hRbzlaNXBEWVVHTm9DV0FneXZ4cnRqN2ExeE01SnNmWVpoTVp3Zno3VGV4X2RIRXdfNmtlS3QxVHQ5SF9Peml2R0FWMQ?oc=5) · Joiner-Anderson Funeral Home
- 2017-04-14 [Virginia Fredrickson Obituary - Naples, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNcjRMSEIzRUI2TmVNQVdpOVptLXE2eElveTRLcnlZXzBkdmN4cDdxWHRjZnU0UVN2dUwtdzZGWklpb3lJODhQV1IwUWZYX01ETWd2VnJWMVVoXzdvRFJYbkF1T2xFTUU3V05nWVVBVV9UNUJwMEk4VXlYUHE1YzI4VGtQVFlsM0RJ?oc=5) · Dignity Memorial
- 2013-08-21 [FineMark National Bank & Trust Welcomes Three New Professionals - Naples Daily News](https://news.google.com/rss/articles/CBMixgFBVV95cUxQZWphblJ3NHdsZ3BxQkVlNU9HWjdITnRwel92SzQyRW4yMjBJOWFXWFltZnRwTHdKdC03alY2QkNHdDNQLXNJQ0tnMGhuTFNlSElkaU5rRWdocnk3ZklJY2NwRm5SSVFLVDh0RzV1WmJoSkFqXzNycS1nOGFBamlIV2ZnVkNOVjlaeGNIY1M5RDF0SEVSSEQ4ejRneEh0bURyRnVoSWRaRmpPQ1ppU0xZUEtOZWpRQkhOU3VzNkhGbFdGVWVpTlE?oc=5) · Naples Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35396 (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/4.json (key "35396", 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