# CENTRAL FLORIDA STATE BANK
BELLEVIEW, FL · FDIC certificate 57186 · asset band <$300M · latest filing 2011-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $71.5M | |
| Deposits | $71.1M | |
| Loans and leases | $48.5M | |
| Total equity | $330,000 | |
| Loans / deposits | 64.81% (p39 of band) | 70.28% |
| Liquid assets / assets | 21.24% (p20 of band) | |
| Uninsured deposits / deposits | 0.55% (p4 of band) | 8.25% |
| Brokered deposits | 6.98% | |
| Wholesale funding | 6.98% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.38% (p0 of band) | 9.92% |
| Unrealized securities loss / equity | 12.42% (p88 of band) | 3.23% |
| AOCI / equity | 12.12% (p97 of band) | |
| ROA (annualized) | -6.96% (p0 of band) | 0.69% |
| Net interest margin | 3.08% (p13 of band) | 3.86% |
| Efficiency ratio | 769.59% (p100 of band) | |
| Noncurrent loans | 31.50% (p100 of band) | 1.38% |
| Net charge-offs (annualized) | 5.18% (p100 of band) | |
| Reserve coverage of noncurrent | 15.63% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 3412.42% (p100 of band) | |
| Auto loans | $95,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 20 | |

## 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`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | leverage <5% | brokered >10% |
| 2011-09 | 10 | brokered >10%, capital falling | expense ratio p90 |
| 2011-12 | 10 | expense ratio p90 | brokered >10% |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2012-01-27 [Jacksonville's oldest bank taken over - News4JAX](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZkpkV2EweVNJNFFxTnBGN1RIaXd0OG82bWIxSEZtVll2TlhIRkpkZ0QweVZwSUVpWFdqeHJUeDBuajladG1nVWF2UWEya0gxZFVSVnp1ZHd5ZVc2SmJSWWpmOUl0Qk5TU21SSEE2V3Qyc1VYYlIzQ3loV2cwTFRvQnNSNno?oc=5) · News4JAX
- 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
- 2008-04-09 [Police say DNA links Ocala woman to 2 ninja bank robberies - Ocala StarBanner](https://news.google.com/rss/articles/CBMivgFBVV95cUxPWHpXVHA2VGI5TkxaelNOX3BvM1NoOEpya0FhYkFLazNmNXRfZFhSV1I3VGNaWlE0V1R2MVhRc2p6ZlVDTkJQY2JxZUJyTEZwcENHdDhwSXBaUk5oRGpHeS1yZW94YkVYTG1RdnNmUjZqeFF6SkhvLTh6SFpvQV9udGM0dlFiZVp2RjJIanNJdDBEUXRUTUpUVVQ0WEdlNXlpTHZmdFVjdzR6ZGNnZDVNVzBlQVZLV25UaGdTTXd3?oc=5) · Ocala StarBanner
- 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
- 2009-04-22 [Banking & Finance: 'Hanging in there' - Ocala StarBanner](https://news.google.com/rss/articles/CBMikwFBVV95cUxPc0NmZUY5X1BVbVN0OFJTcFBsSXNGWTlnaHdhSDNsRU5ybzBaM28wOWozMlhtaUpCclpOVlRsVTFBQ19jeGxyS29ndG56WGZzZm4ySFhTeWlpRlFuekhHcldPMVA3RUtwSTdXY2R0U3lXSlQwVTJlZzZPTFlLYk5IcURNUjM5dnZPcDlrVTRYNkxtWkE?oc=5) · Ocala StarBanner
- 2006-11-16 [Snowbirds are welcomed back with party - Ocala StarBanner](https://news.google.com/rss/articles/CBMimwFBVV95cUxNM1hWUkllbkc4aHJNNjlFelZ5ODRCdUl0QnJ0ZHpJNlR6TWZ4eVFtSHpyZlhRbzZuaDVQc1g4MEhlR09WSm51c0ZCNkE4eEN4TkNoeF9iQ05ON2tQS19mdHBFMFlsQW4wOFpkQjRWSDZ5THBIUFZ1NXpzcjZpUDRDR01NWExHWUFxZDZoOFQ1Z0t5eWVOZXZuTG1fcw?oc=5) · Ocala StarBanner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57186 (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/34.json (key "57186", 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