# COMMUNITY BANK OF BROWARD
DANIA BEACH, FL · FDIC certificate 57300 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $486.7M | |
| Deposits | $415.9M | |
| Loans and leases | $411.3M | |
| Total equity | $46.2M | |
| Loans / deposits | 97.38% (p84 of band) | 80.75% |
| Liquid assets / assets | 13.66% (p14 of band) | |
| Uninsured deposits / deposits | 24.32% (p67 of band) | 19.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.68% (p31 of band) | |
| FHLB advances / assets | 2.05% | |
| Tier 1 leverage | 9.24% (p29 of band) | 10.04% |
| Unrealized securities loss / equity | -0.21% (p19 of band) | 1.00% |
| AOCI / equity | 0.96% (p39 of band) | |
| ROA (annualized) | 0.60% (p26 of band) | 0.89% |
| Net interest margin | 4.15% (p80 of band) | 3.63% |
| Efficiency ratio | 76.22% (p70 of band) | |
| Noncurrent loans | 2.17% (p85 of band) | 0.89% |
| Net charge-offs (annualized) | 0.03% (p35 of band) | |
| Reserve coverage of noncurrent | 70.78% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 32.64% (p49 of band) | |
| Auto loans | $58,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2011-12 | 3 |  | capital falling, charge-offs p90 |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 1 |  | noncurrent p90 |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 1 | reserve under noncurrent | loans exceed deposits |

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

- 2014-08-25 [Stonegate Bank to buy Community Bank of Broward - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSm1zdUVSY3lqQmtFWGVJUHFnZzFoaFpwTVR2YzlYX1ZlMW53SUF1Zk5DTEd6cVhzbDFYZDVCN181LWZQNUlKV0taRTZ2ZlZLU1lIRkVqNFNjcVFZdjlDSmpsRHpEQzFfZTdMM0lWXzlyUXNjOFZmWTUwNWk4OVV4Ym9zRGNsaE5ZWDZzRE9felNmYlh5RGlOczE2ekRYZGh2ZkphOE01RUlnejEwd3c?oc=5) · The Business Journals
- 2023-09-20 [‘We just click’: Panthers, Amerant Bank a perfect fit in South Florida - nhl.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSnhqcDNPb290RnBPT0lKU3o0SEZ4Uk4xdzRVMGEzMG9hc0diOTdEdUxudVU5WXdTbEw2dHNibFV2cFJINUpIclJkVnFYTG5rNmFqbEFxcnJkYWZ5cV9vUk5TRmpjdUhPZHJrd2RnWmJuNlAwUkNxN0RySVRXTlpxUWtBQVNtc3RlUVhKN3o4cDYtZVF3akRick9qNGpxMjA5QlE?oc=5) · nhl.com
- 2023-10-15 [Florida Panthers announce arena naming rights agreement with Amerant Bank - Miami's Community News](https://news.google.com/rss/articles/CBMivAFBVV95cUxPTFhldGNPYk8wR0pEaWE4c3QyVGxkNGliYUtLNmJhTjVXX0lfOWtBd2FxTzFpS2lIUGxsR3JPb054bkw0SGdtY1dlcks5SU04andmM3M1WERFUEw2N3lRM1dpc0xGLXByZmZFWDkwcklaTEppNjFhQ2pUeTM4bHlZQmQxLU5VVVNxMzNXVU54VU1NQmNrUmVPdmJVSWdlRWsyaVJ3RVpkUzNxLXY2V2Mzc2FPWjUxTTdIMDVyRA?oc=5) · Miami's Community News
- 2023-09-19 [Florida Panthers Announce Arena Naming Rights Agreement with Amerant Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNTnFkd0VqQ3NsdWd1UGItWWJXeXlHamkyQkhqVnYwQk9CYjZBZWhzX1FWczFFX2UtMGhBLWVfdWlDRHNDTVZycmtSVUZfU3pVdjU2MTN3ajREVlJkc2Z1eVN2Ym4wWERiOVppZFVyWjRPM2RraVM5VWhHam1Pd05yTGROQ0NyVC1YOWRNSVRtTk1tU2tTRFp0LTVOblJYUUp3M3dIckEydEMyOXBaYjhPcmxQdktfb3h2UTcwNzdUS1dNR0piMGdaLUhDQ0NRR29pQ0FQWGVTaFB2UFM3S2c?oc=5) · GlobeNewswire
- 2019-12-24 [Here's when South Florida will get its next new community bank - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSHJSUTV0YVVtT0xmeGh6clRiV3E1US1FMTRQczgwZWZGSEJDUTNzbjhGOW1iZTRGTk9RMUprVnpYM2I5dlNQSmk2QjJ5Z2xZb010cXQyenR3MjdOSGhuWHdhZ3M4Y3VCQTl2R3BwTGxFV2pPUkczUjNLa293YmZjNFBLX1dXX212a01WRTF6Ni1ZdUpXcFBaRXp3ckFqR2tWT0x3?oc=5) · The Business Journals
- 2014-08-29 [Stonegate Bank inks deal to acquire Community Bank of Broward - The Business Journals](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVnJHZU95MWMyTjVKNmMzcTJFRWtNT3FPSXNqbnIyRVdjUGZ3c3hVV1c5dENiN01jdHJEQ21oSWFkUVdFTXZPbkNkblFwVmp6WTZpcjg2OUFEY0kta3pfYkhKQzRSSlI5ZTVQU2o5cHZ5eVNfYlA2WWVrU0dNM3liNG95bFdSQ3JlOXlpNHBrczVHbDY5b1NrQ3ZmTlJpSnp0UlprODcxWmVYQklQYThfR0FuU1pZVzhnNi1OZ3pB?oc=5) · The Business Journals
- 2015-10-07 [Homestead bank to be acquired by Central Florida institution - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPX2k1ZUZkYXpfZFhWbWY5T2h5dDNZcFdwcEMzVVdYYWdLVFRiQXczc2V5bWxCWE55czZfMjdzUE5WZWJjTE05QXdnTUNwRGNKUUVwOEgyMExQa0JNT3dZVDBHRzIzTndVeWZIR3Q5X0dtZjI3SjQ2cThwYm5rWngtSlNLNkFYZFRRejF2NUVlUG1ZZzRBd2ZRemxpRmFEbGVYLWl2TWlleVNIOHZfWHpR?oc=5) · The Business Journals
- 2018-03-14 [Marquis Bank recruits 4 bankers to lead expansion into Broward - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOaktGcjE0aHM2dC1Sa25yeU0xYUc2MTlzcE9sNFp2d3JKdVJPd0xBZmlFSm5QNkZvSTZNcldOSmFkT2wyMG9QUWJGb2VnTHhXNlgtWjdMcjdtd3BuZ1FEWlpuMFFDdGkzaFBUYTdiaHhCQTFMN0oya2tlRkZNY1lFOXczeEkwMmJ4ZUphTExvUF84d3lRYk5RQ04yMnZ2UmoyME1fVnRUVm1HMWN2SjBnbQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57300 (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/20.json (key "57300", 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