# FREDERICK COUNTY BANK
FREDERICK, MD · FDIC certificate 57255 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $434.0M | |
| Deposits | $374.1M | |
| Loans and leases | $347.9M | |
| Total equity | $46.2M | |
| Loans / deposits | 92.14% (p68 of band) | 85.34% |
| Liquid assets / assets | 14.41% (p19 of band) | |
| Uninsured deposits / deposits | 22.93% (p52 of band) | 22.41% |
| Brokered deposits | 1.61% | |
| Wholesale funding | 4.55% (p52 of band) | |
| FHLB advances / assets | 2.30% | |
| Tier 1 leverage | 10.34% (p44 of band) | 10.60% |
| Unrealized securities loss / equity | 0.35% (p37 of band) | 0.73% |
| AOCI / equity | 0.87% (p28 of band) | |
| ROA (annualized) | 0.56% (p12 of band) | 1.13% |
| Net interest margin | 3.48% (p32 of band) | 3.74% |
| Efficiency ratio | 80.19% (p88 of band) | |
| Noncurrent loans | 0.53% (p49 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 172.24% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 44.31% (p56 of band) | |
| Auto loans | $281,000 (0.08% of loans; DQ 3.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 65 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, reserve under noncurrent |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 1 |  | noncurrent p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 | capital falling | reserve under noncurrent |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |

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

- 2022-12-19 [ACNB Corporation Announces Rebranding of Maryland Banking Divisions - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxPQldDZUlCa1BqelVVbjZxUnpScmZxb2pEXzNFNlJxZGJBOTRrc01pMGctelViLV9RMkpJRDlLbEdLenQzNVJXVGVhZVd2aDVkdEtRdVlfS0xlSGpwdnlLZzJaQmx3aEY1bENDS0NCeEdMSDFDY1dHOGo0TW9GSElOZGRpWUZlUGRVV2pKcG44T1YwQzRtVGQw?oc=5) · Yahoo Finance
- 2007-08-06 [Frederick's bank history preserved - The Frederick News-Post](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPVGJKMDJKVmMwRTd1UGlIRjdQTHFmSXdIOWZuU3BVMXpQWjVEOUVCV1dtRmxjN3AyZnJiVUJ0clhGdXJKdC1NbU9ZRExKMENEYUNkY01FeUg5TG9zeFphbFpXSkdfc0FOekFvV3BiLWRrSUplWVFXUFRqclFtMjZjYjQ0SGdyM0lJUEdpakk2cjhPZXl5VTRmMDZJUjVFTmRhdGZZU3NIUG52Zm9xLVFDZmZPaW9fLVBRNWZfSVJORHNrWDA?oc=5) · The Frederick News-Post
- 2025-04-11 [Barbara Biddinger Obituary Feb 4, 2017 - Keeney and Basford Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1fNzZEazY0dEJSME1SWlZZcG5adGx0U2hTdlFUMVZMUEJqb3hUUHFOblVLVFVzbXR0SG5GbFYybjFVdEU1Mnp0QmVIM3JFMUo3Q085dkxOcWo2Vkdf?oc=5) · Keeney and Basford Funeral Homes
- 2020-06-22 [Crystal Wiles joins Woodsboro Bank as Vice President/Controller and Michelle Green promoted to VP/Risk Management and Financial Officer - PRWeb](https://news.google.com/rss/articles/CBMikgJBVV95cUxQU3ZpbjJRcHlfclJkbkVreExQYWRlTmd6OG9MNlpLWlFGLV9PQ2pBNDN3QUtWdjVaS01LREdJVk1Ga0ZiZWREZDduZ1FtcWhxaWtUc09qSEhfTUZTVnRJUHdvTU1fRGt3YTFvLVZEWG9NOF90ZWZEeHJSc3hXZ0FSWVdpbThkeHNKd2ZCRlVxWHJMMzZZU0MzTW1IWWlMbFM0Wi1sM0xScFM0VFZ4Ni1iT3BGMXNMQ3MwcHY1RnZ2aHFGNzVXbTJuUWFsUTZxb09FWHJPc0pHRE9qTklSWW5rNnFFb0w1MV9RV1ZRQkNxM2pOb2ljejZOSzhpcE15QV9lSHhMdTRieUExZDJCamhzWU1R?oc=5) · PRWeb
- 2022-08-15 [Catherine Drake Obituary Aug 17, 2014 - Stauffer Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTFBaWDNFU3MzZU5TYWF1cTMtYnlrby1uU0U1RWRsOTFNV1pHYXNtbjctYXNmNU9pem51SWF2QVh0cFYxc0JnLU81aXpndV9qN1FRSEljTTRNSm51d3lUa2VfR0poM3ZWd3JQZ2xqX1NoOA?oc=5) · Stauffer Funeral Homes
- 2007-02-19 [Gunman Ignites Frederick Inferno - The Washington Post](https://news.google.com/rss/articles/CBMilAJBVV95cUxPcjNZUU9Xemh3Z3hubVJQalJYUmdLOUZXUjZmaG1STi16N1I2OGxfekQ5RDV5dzhUSXN4eDRoSzVfc3hUN3paQUgyTkI3NzdxRXh6b0tWTW12NkJfRG9lNjlrX19xbkdFNGZPNkRCRFROZThsdHUwdU1OMDNzVDBxb3FCM3pNdlRiMDdpSFJNbDQtRWloTk1DS20zWEp1am5KYUhaWWhmT2FVN2FudjhPZXBwWHd6bUJsaUt6Tmd6cDBJR01pMExsVFgwSTJBd1BndnFlMVlKZmowU216OVlLNDNBRXRJWUpTNUUyVmxaQkJGbS1qbV92bEdzdVJVSFY1VzA4MXQwRm5MamlGZ1FJcHZWWGQ?oc=5) · The Washington Post
- 2017-08-29 [Woodsboro Bank Announces Barry as New VP & Business Development Role - PRWeb](https://news.google.com/rss/articles/CBMitgFBVV95cUxNMmFsVG9yc3ZYWGNNM3hfRkFFVF8xUEpiUUQxVThNU0JyWDdJbjNVamtHenRoSFdKT3p6ZHBIS1FGUllkNFYzcWZ5cFdvRVVGNUxieno4aFFZalFINV9iTWZQamJMQjYwc3huOEJUTDFZdTV6eEZUNi1tUE5qSjgyWjZKVEllQ3k3NDVEUGo2TGl6SHBMNWYyOG1SZ3k3UzJoaW1vUC1nRGJub3o0MVZrZkRVdFo0dw?oc=5) · PRWeb
- 2010-09-01 [George Emory Dredden, Jr. Obituary Sep 1, 2010 - Keeney and Basford Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1jQnZzaTY5Z1JnZVlsSHFHSl9Kdl9LaTBycmNwX0R5MXlzWWxiQnZxNlc0YXZWQ1JoMXlNekNvblZPTVI5UXFWVUZiN3FneTVORzZ0S2lBMDE3bGIy?oc=5) · Keeney and Basford Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57255 (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/39.json (key "57255", 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