# OLD HARBOR BANK
CLEARWATER, FL · FDIC certificate 57537 · asset band <$300M · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $209.0M | |
| Deposits | $212.2M | |
| Loans and leases | $145.7M | |
| Total equity | $-3.5M | |
| Loans / deposits | 66.31% (p40 of band) | 71.39% |
| Liquid assets / assets | 26.49% (p34 of band) | |
| Uninsured deposits / deposits | 1.96% (p11 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | -1.84% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | – | 3.72% |
| AOCI / equity | – | |
| ROA (annualized) | -6.08% (p1 of band) | 0.72% |
| Net interest margin | 3.00% (p12 of band) | 3.86% |
| Efficiency ratio | 138.25% (p97 of band) | |
| Noncurrent loans | 16.55% (p99 of band) | 1.48% |
| Net charge-offs (annualized) | 5.29% (p100 of band) | |
| Reserve coverage of noncurrent | 20.62% | |
| Real estate % of loans | 91% | |
| Construction % of loans | – | |
| Auto loans | $222,000 (0.15% of loans; DQ 11.26%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 42 | |

## 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`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | leverage <7%, leverage <5%, securities losses >30% of equity, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  | securities losses >30% of equity, construction >100% equity |
| 2011-09 | 9 | capital falling |  |

## 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
- 2011-10-25 [1st United Bank CEO: There's still room to grow - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQYUU1T0JGZWU4UEZlS1pzV2k4TnQtbHZFb0RMT0lLSnhWaDRJYzZFWjZ5V3EtWW5ETU9CWjNlN0FmM0o1NDVzYWlJcC1Lb1lpOEtwOHlfdmhoQjZaQ052TjZwRWV2N1g0Y3FUdjVxYWpLZ3hna3BJSE9kTnVIM25tYnBtUGh3LVhrSW9IaTRlWEF0OWZUNTFURTd4VVo1Zw?oc=5) · The Business Journals
- 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
- 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
- 2009-02-17 [Kasey Minear Obituary (2009) - New Port Richey, FL - Tampa Bay Times - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNU2thSXROUE5GUWxzN2FWVnBnd2NDU250ZU5XZHVhSVBycjk4bGhzeEd1MkJkbU16Q1hZQS1ZV29UQ08wTUMwZ0FPQWF1VFdXNHpjMkUtZk1wZ19zOGhLWG5pLXRvejM3SUh6bVhWSzFmcURpRm4ydWhCc0JRSXBHMXd5WnVZNUFCRElTTEtDM2hzTzA?oc=5) · Legacy obituary
- 2016-11-13 [Laura PESCI Obituary (2016) - St. Petersburg, FL - Tampa Bay Times - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZWNVYWUzMkVmSUNaN0NCNUdLdVNsYlNmMmxKQTV5MTZoOUVhaXdwSjRxaTNDZlhBeEVwX203cnRJYVF6ZEdFWFZScGtDOF8zUjJTc0MzWThTWkRLRGYwNU1xNU9zd3BVUVhaT1J2SGkwOS1KcThYR0JwYi1aVlY4bkdXNlhNckE2c2VhdW1ZM1ZaQQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57537 (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/1.json (key "57537", 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