# ROYAL PALM BANK OF FLORIDA
NAPLES, FL · FDIC certificate 57096 · asset band <$300M · latest filing 2012-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $78.8M | |
| Deposits | $78.9M | |
| Loans and leases | $54.1M | |
| Total equity | $-916,000 | |
| Loans / deposits | 62.44% (p37 of band) | 69.17% |
| Liquid assets / assets | 26.01% (p30 of band) | |
| Uninsured deposits / deposits | 2.36% (p12 of band) | 8.28% |
| Brokered deposits | 0.57% | |
| Wholesale funding | 0.57% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | -1.17% (p0 of band) | 10.02% |
| Unrealized securities loss / equity | – | 3.21% |
| AOCI / equity | – | |
| ROA (annualized) | -7.07% (p0 of band) | 0.78% |
| Net interest margin | 3.27% (p24 of band) | 3.76% |
| Efficiency ratio | 670.03% (p100 of band) | |
| Noncurrent loans | 12.36% (p98 of band) | 1.31% |
| Net charge-offs (annualized) | 2.18% (p98 of band) | |
| Reserve coverage of noncurrent | 72.63% | |
| Real estate % of loans | 97% | |
| Construction % of loans | – | |
| Auto loans | $8,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -24.1% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **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 | AOCI drag >20% of equity |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2012-06 | 12 | capital falling, uninsured deposits leaving | construction >100% equity |

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

- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2018-02-09 [Banks fell in the Great Recession, but they're stronger now - Naples Daily News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPei12aGhVOUtaMDZOR3hMM1BaaUNfckgyanNFSnZ5YXRJMFR2TERZTy01WnZ6Q1had1VmUDZOVm1BQTNXclVwN2dPdkU5ZkNlb3dqLWRjYl9RZnd2NjFOVGVnUUduYklqVDUzRXlPcmZFNU5RNGJDT28xZWkwS1huVXJMU20tcGhTVXByVDBpSUd0NVVuY0R0S1hTcFVfN0ltVlFEdm9iQ1NpYkZnZWI5dXVCbVE?oc=5) · Naples Daily News
- 2003-06-27 [Mary Dougherty Obituary (2003) - Philadelphia, PA - The Philadelphia Inquirer - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPd0tFTGs3VXR5UWNBSkE1aG5Va2VoVnhuWVlRQjVENTV6V0UydXBOTHFxeUFoUkhmTnhCU0daY19aazVTNjE1Q1NzMmRFZDJJUENmUElnMTlmQlNwVDJTaWV6elFodnhCTUNQZjJaUGlKbmQwN0lraU1XZ2VwaHc5dXBHdUFOQTBVemN0Q2lXdw?oc=5) · legacy.com
- 2009-03-03 [Donnie Miller Obituary (2009) - Lexington, KY - Lexington Herald-Leader - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQjE3bkpkVmVwMV9lMHRpV2FjVFZmUUdLdUpyaGw0TmE5MmpQSFo5VUVmQkRIWVR0d1NrTVNuVS1iTXlzM1g3TlJESjBsZWNnRnRYdElZbjNkeEZnRExCbHU2aHhJdzVTLUhuSy1RRC1jUkFhZHhoc01lTzU5QlY5TXhFYy1wX1VkU0ExRQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57096 (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/8.json (key "57096", 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