# FLORIDA GULF BANK
FORT MYERS, FL · FDIC certificate 57085 · asset band $300M-1B · latest filing 2012-06 · 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 | $357.6M | |
| Deposits | $288.0M | |
| Loans and leases | $248.5M | |
| Total equity | $31.2M | |
| Loans / deposits | 83.86% (p68 of band) | 75.98% |
| Liquid assets / assets | 26.21% (p39 of band) | |
| Uninsured deposits / deposits | 19.60% (p78 of band) | 12.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.40% (p65 of band) | |
| FHLB advances / assets | 6.29% | |
| Tier 1 leverage | 8.45% (p21 of band) | 9.64% |
| Unrealized securities loss / equity | 2.80% (p41 of band) | 3.66% |
| AOCI / equity | 1.42% (p90 of band) | |
| ROA (annualized) | 0.51% (p28 of band) | 0.82% |
| Net interest margin | 3.66% (p49 of band) | 3.68% |
| Efficiency ratio | 62.19% (p32 of band) | |
| Noncurrent loans | 1.40% (p40 of band) | 1.84% |
| Net charge-offs (annualized) | 0.87% (p88 of band) | |
| Reserve coverage of noncurrent | 201.44% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 34.98% (p53 of band) | |
| Auto loans | $235,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |

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

- 2009-06-17 [New Business - floridaweekly.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5iLUFXY2tuVUJ1QTdwWlp1MGhuQzR0MlVNXzAyRUxhWHEyUUJESlVWblA0VUV4NkRnUDcxTC1hWHNMS2poUGVXbDJLdzhROUptQkJJOVBEaEpVTTBtYU4zaHVGVE1USHR4STBKOXZneDU?oc=5) · floridaweekly.com
- 2023-04-08 [James William Moore Obituary - The News-Press](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBSTzMwOWtoVmtZY0NQZnVmMjFDM2RjTEpHY1d1dnV2OVRxQktYUlBKZlBfUGlFeEFTRngyV1NrajZ1ekpsSHU3QkYzWWxyZXZ0RThlVmt5Q1NSSEE?oc=5) · The News-Press
- 2010-03-14 [MICHAEL MARCHEWKA Obituary (2010) - Fort Myers, FL - The News-Press - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQjd2cHdzYmthZW4wUllwTi15WnNEeTVrTG14VFF6NG5JbGVfZXl1Sk9qTUdRcWNMbFZwdmlLQzV4c2dibjdBOGx6b2FzR0hmdEgycklWaUgySDdVWG55YS11YWdSbW1GRWJKVDVJVHJWOVloZzNyd1pnbmYwNE84M29OOVZPd09QZ21yMkIzTk5NQ0ZJQUE?oc=5) · legacy.com
- 2021-06-26 [Briefs - Naples Daily News](https://news.google.com/rss/articles/CBMihwFBVV95cUxOOUFvcjFWODZNLVg2ZjlLYUFYNXM1clNLZEcyQkVHaHg2VWZtbk42UFRpdXhnQXRUMEtsOXdORHNxTG1PZHFqbl9aVXZrMEVId1haMlhTb2RjakZuaVpGX215SHdnRnpIUUd5QUptSVh4UWVZU2ZRTlI0U2xiVGxFdHY4Qm53SEU?oc=5) · Naples Daily News
- 2010-08-25 [JOSEPH ARCUNI Obituary (2010) - Fort Myers, FL - The News-Press - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOanJ2ZVpJUlY2ajBaNEl2d3NISWtxd3g4aFc0cHk2R2cwdDQwbkhCOVZjMDJ4V3hUN1Jjd3lwVVgtWmtBTVZ1NHpLczNhLUdiajZXZWc1TXB5NDhuRWVITkRULVctS2lFb2p2UDIwbndrdXhYcXZZbGhrSk9fRHlEX19KWVctaFBiR1pmLVFlQ3g?oc=5) · legacy.com
- 2009-01-29 [Jordan Taylor Obituary (2009) - Lakeland, FL - The Ledger - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxObGx4TXhIMGFhWTVmeGd3bzdNQW9zeE55Wl9fOWZKeWlRYS1iNjZWZHR4SThOUTd2dVlydXhNNmczLXB6a1ctOEpyZ0tuVmhfeVZTNUNxTVd3TGVfbTBtMjRZdmtGMzRGT2Y0enlSOXdybEtra1NORE9qaEl6Y3RWLV9zWXp3bDBEMFF6Rnlzdw?oc=5) · legacy.com
- 2002-09-13 [Thomas Stawicki Obituary (2002) - Fort Myers, FL - The News-Press - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxObWJXU3BfVWdVcTVnN3lOTTJWVUdXOXVWdDFqamdtQ0ROOGtseEJ2Q2d3dkIxel81OE1qVEVvbGx6TUR6MFc5NU1WeC02dW1sSzNuMkJKNHBKamtwZnR6OXc2Rmkwai1TMkdKVFFnNkprOHdycThIbGd5bGpwdFlHTUhtcHpBSW5Qb2lIakxUYjhlYnM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57085 (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/61.json (key "57085", 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