# GREAT FLORIDA BANK
CORAL GABLES, FL · FDIC certificate 57719 · asset band $1-10B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 14 (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 | $1.01B | |
| Deposits | $889.4M | |
| Loans and leases | $604.2M | |
| Total equity | $36.0M | |
| Loans / deposits | 67.07% (p23 of band) | 81.75% |
| Liquid assets / assets | 31.72% (p63 of band) | |
| Uninsured deposits / deposits | 14.21% (p26 of band) | 22.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.24% (p50 of band) | |
| FHLB advances / assets | 0.99% | |
| Tier 1 leverage | 4.22% (p2 of band) | 9.73% |
| Unrealized securities loss / equity | -41.50% (p1 of band) | -1.30% |
| AOCI / equity | -30.26% (p0 of band) | |
| ROA (annualized) | -0.61% (p2 of band) | 0.93% |
| Net interest margin | 2.37% (p9 of band) | 3.53% |
| Efficiency ratio | 117.72% (p99 of band) | |
| Noncurrent loans | 9.37% (p98 of band) | 1.18% |
| Net charge-offs (annualized) | 0.88% (p97 of band) | |
| Reserve coverage of noncurrent | 13.54% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 147.56% (p99 of band) | |
| Auto loans | $35,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $10.4M (29% of equity) (p97 of band) | |
| Deposits YoY | -11.4% | |
| Employees | 167 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  |  |
| 2011-09 | 10 | charge-offs p90 | wholesale funding >15% |
| 2011-12 | 9 |  | charge-offs p90 |
| 2012-03 | 9 | assets shrinking | NIM <2.5% |
| 2012-06 | 11 | capital falling, NIM <2.5% |  |
| 2012-09 | 9 |  | assets shrinking, capital falling |
| 2012-12 | 9 |  |  |
| 2013-03 | 12 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-06 | 11 |  | charge-offs p90 |
| 2013-09 | 13 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2013-12 | 14 | securities losses >30% of equity |  |

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

- 2024-11-22 [Sandra Waddington Obituary - Hollywood, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRzhkODlXbHpVem44dFRnWmN5Y1E3SnIwUlVDU3daZXVHazM2MjBldVEtS2hEaFVBbmdLempJVy1HdXhDcXR5VkdudGVOcVlUc0VjQ0RMWEVWbnlEakZCMXNlVWpmZ2lYN0RPZE55Mm9jUGtRVWo4UlBrRnJWS012aFd0ZUhuYkQ0YVE?oc=5) · Dignity Memorial
- 2026-06-19 [Daphne Graaf Obituary (2026) - Miramar, FL - Knotts Funeral Home - Sanford - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWHZWY1VhcWNheXBDUGxhTHYzdDJVMUt5SFcyWHJra3hyOE5FSk9jOXgxYUtyamljeDR1ckRvZ2NtSzBMcEdydTVUcjJiX0lIRndKS0c0NS1sTUdHTEUtTU5xN055UmFpN0tJUllobTgwS1AwTnMxZkFqdGZ3SEM0dA?oc=5) · Legacy obituary
- 2012-03-19 [Carlos Palomares Named Chairman of Banesco USA - PR Newswire](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYUplSGFQdmZVeXI5aUJMcmUyeFdzNkdFOEV0LTljdzVjSnRyUzM2Ny15eGYtSGw3b21ic1FYMGx6eG9jTGE0NFdwQ19lRGZRRFZIUExCblE5MnFOUkNOZVlEd3lVMGhIdjd2SGFpVnljNEpYUU4tWTR3bFBTZFVPaWs5XzI3VzltSEhYX2pYWWVxVnh1OGtFZzExNDUyY1RNQUpmNA?oc=5) · PR Newswire
- 2007-11-01 [Purchasing Election Power - Florida Trend](https://news.google.com/rss/articles/CBMid0FVX3lxTE1hUXZDeklzOC04TTI0X0pUb185QnV5MDA2MTZsbjBJTjRyYUhnUEJEUFpZdF84cDdOWlkyeVBjaHlWaDVSM2VfdkFUVUduQnhwV0liUEZJeV9zMXhJMGtRR0xOSWRSem42ZUF5MHptREIzUzBfMUJB?oc=5) · Florida Trend
- 2018-08-29 [Sidney Kahn Obituary - Miami, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE9jYXhKNTE5U3NOM2JYZDJkYk0xcW5TMTVtb3M5U1F1SG11YnVlbHdYMGhaYjc4VU1DMm0yc1dKSkdnUTdGVVNlVm00eW1oczZQc2NldWJtd3VvcklydzhtajF6SVR2enNjVkJnR2k2VEQ3LWx5TEdkUjlodw?oc=5) · Dignity Memorial
- 2022-04-08 [Charles Papy Obituary (2009) - Miami, FL - the Miami Herald - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPMEJLZ3FmUWh2c09GSEtnZ1BhOV8tODlheXBlakFTa3l3cWJZRC1WZHBfRnNFaUdLOVhwQVBvZlRRTG4xNG5tSDFmRlRWNWdkSnVka3JwdG1KR0ZZQjYyMmpDdUdWRlpnX2FuQzFLT3ExdHo4N1REdHczOW1TOE9qc3NXMENDbm9oQUE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57719 (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/55.json (key "57719", 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