# BRANNEN BANK
INVERNESS, FL · FDIC certificate 5676 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $1.03B | |
| Deposits | $991.9M | |
| Loans and leases | $536.6M | |
| Total equity | $37.0M | |
| Loans / deposits | 53.70% (p6 of band) | 87.10% |
| Liquid assets / assets | 47.31% (p94 of band) | |
| Uninsured deposits / deposits | 31.06% (p51 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.07% (p1 of band) | 10.50% |
| Unrealized securities loss / equity | -73.44% (p1 of band) | -7.75% |
| AOCI / equity | -6.23% (p0 of band) | |
| ROA (annualized) | 1.97% (p87 of band) | 1.26% |
| Net interest margin | 3.53% (p38 of band) | 3.70% |
| Efficiency ratio | 47.26% (p18 of band) | |
| Noncurrent loans | 0.45% (p45 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 162.85% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 175.79% (p99 of band) | |
| Auto loans | $1.0M (0.19% of loans; DQ 1.92%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | leverage <7%, capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | NIM <2.5% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | NIM <2.5% |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | reserve under noncurrent |  |
| 2024-12 | 3 |  | reserve under noncurrent |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2026-02-18 [Brannen Bank celebrates 100 years of family banking - FOX 13 Tampa Bay](https://news.google.com/rss/articles/CBMifkFVX3lxTE02QTJNYU5RbGd6YkNXdFVtLUVFZTB6VkJFdmtRTkhvZDlEV0tsUUpsT0ltUGxQZDNVN2VBRmJNdVFZU29SU1VRelc3WUVfSFd2c3VXM0ktT2VDemhxV1NRUktfcXhWYTNGRzJFVnV6bVJNZVg2dVo4V082Ukp2Z9IBgwFBVV95cUxNV1hhY1ZMX0pOTUFQS3AxbXVpTnpFX2h4NjBPbWZsNUlGQkkwdmdKTWFSVTFDT0pUbjhydm54clRCcmxyMzNWSUE4R200SDlBSi16ZXcycnRmUVNEM0VyMW5rQl9vd2I4TzY5Q2FvVjVLZklDd1hBTW95T0E0Y2Y1YnZLSQ?oc=5) · FOX 13 Tampa Bay
- 2026-06-05 [Inverness honors Brannen Bank's 100-year legacy - chronicleonline.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPcV9iNlc3ZmJ1Y0NtNzV1bEhEWFhSTUVGcDNFcXJ2N1g2T3E4dUwya0tCbDFGcDdXLVR3VDh5NzUwNEFxdzdqNkV5bHVQam5LTzNKQldCSUllUDhQdVZRcEpFaUxpX0tkX0w5clAwaFg2MUgtaFpNOVBOTHF3SFNEaEd2YlNMUzdmYm1GRXEzY0NuNjNUUFVqdmVzdWg0a2NlbkRKY0VoWHpHSFhNTl9XTlBpYkNrSWVzcXpEN3ZCZ3Q1NDdYLXd3VExZdmRRT3ZCLTlJNDhn?oc=5) · chronicleonline.com
- 2023-04-01 [A local banker's view on the banking system - chronicleonline.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQVnJZd2RnU3kxWHhjeUE5T194Tm1oT1VPYVh6ZEpVVTNLcEtzM1F4RDQ4SzhPUjJtaGQtRmJ5dy0xU2QydnI4b19uTlF5Z0Rxd3VqSU5GUng2X3hlRFFTcTZ3RUpudC1OYXpkQlJvSUVDYXlDNzU1aEFoeGRhdklUWWFwcllwSHJRZGF6RDlzUzlYcjdSN0RvV1QyY1R5Y0Njdkl0aWtXcTdZdkdLaC1XcFZqNzNXbnluUEhiY0pSRWZLY0o3N1pLTWhXYUdUc2Q4?oc=5) · chronicleonline.com
- 2023-03-05 [Franklin Cuyler Obituary (1932 - 2023) - Inverness, FL - Citrus County Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxPcTRyVzJQRmF1R21hOHJpZ0oyWmpsckZobVo5UWZ2dTk0blZ3MEU4WEFVOXQwNEhHT2NIdlJBNnhRRS1iOHhIaG5kdTdjTWdTby1hSlJVdGxJZlRJWDZQaGdHcU9sTktrNThvR0I4N3JvX1dCNFhVOEhtbjNhaWJxYmNkWEhLRGdUNHp5NW5rVDgzMnpJNWxnSEF3?oc=5) · Legacy obituary
- 2020-12-18 [Inverness native, longtime banker, Rocky Hensley to retire from Brannen Banks Dec. 31 - chronicleonline.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxPVmJqVE9pTTFwQTJpUFJZYXQ3NFU0ZjY1enB0NlJTcVVfN1B0aHFFZWRWWVRMT29TaDNReXdmdk5mYTdlOW1ZNDRJZldlZUx3V1MtTGRzUmgtTnBuY1c3VlYwOGM4cUo4djFJRUY0aVFEVU9kS3EwMFdwLS1nNnQ0QnhSYWlFdENWcHBRUlQzYVpjRUVRSDl5Q0hfQkpXYnZ2cHZ3bHczYlZrV2YwbWhNdzk1THFnLWpXOFpUV2JVUzZMZlB4NWt4bktIdjFkSTd5TUZ2STd6a0ktSHVpaFU2UzhTNXBacEZseXhyZy1fTWlUclkxbWRCeXNzRFo3T3ExZElWQ2Vn?oc=5) · chronicleonline.com
- 2017-08-14 ['It's pretty much in my blood' - chronicleonline.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQWDlTRjc1dG9wQkNzOWR5TmZ5Rl84R2RHbXd0YVN2VVZ6VnZuU0dLamwzeEYya1RDSnh1ZURBQURjd3BQOE5xU0xNMTNyeXliTzdGV01vaXczc21TUkg0bUhrelgxVG9JXzVaUnZDbDQtX2RuQUVYX1dYMnRLazhmVk5kWDVGQjR4TzRNX2Qxa0g5RmVDTXdEWW1Ib3lPeXdDU0djQXFMcXNYOFBhejJlNElHVlF5WmVvS2dqUA?oc=5) · chronicleonline.com
- 2016-10-14 [Brannen turns 90 - chronicleonline.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQRVJCOXJHZHcxVlJSQVV5ZWZZZTc2UTViMEJyR1gwbFRuckpYWE5qX1htNWJjSnJkU2V4RVVxMVkxNC1HUV9vWGpwZUN0djZBbEdQMlIzeFViN3lDOHo4bGVFQlNsWExqVUdYQ1pQdWR4THhEUm1fbUx2a2x0b1lNLXVyS1ZQaWJFWlRaMXJKTV8zZF9EV3plcjBnV2FZQll3Um52YlhoNGJZZlBFc0FhVlJn?oc=5) · chronicleonline.com
- 2017-08-14 [Monday Conversation: Matt Brannen - chronicleonline.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxORWhCSFF3X0ZjdXc4QmF6Sl81UnN5MktCemVmanFqRUMxNktTUGlzczNsRG9feTVJZ3I0LWRlREtYS1hBOEFEZ1BLR0lTbk45RnR2X0JCOXh6MGlsaUZ4X0h6SG9oRHIzcjF0ajRLSHZScW5lZGdrZ19GWGdDZXhuVFdFVUx0Y3FBOHJuT2c4d3dpTE1BdVNOaF9UU2w4RjlManFzMWVLUXhIQnEzU3FOdll6d3JCMFFHVk9yMHNEUVM0Zmc?oc=5) · chronicleonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5676 (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/44.json (key "5676", 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