# BANK @LANTEC
VIRGINIA BEACH, VA · FDIC certificate 57730 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $110.5M | |
| Deposits | $88.2M | |
| Loans and leases | $92.0M | |
| Total equity | $12.8M | |
| Loans / deposits | 103.64% (p95 of band) | 74.46% |
| Liquid assets / assets | 11.18% (p7 of band) | |
| Uninsured deposits / deposits | 1.85% (p2 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.90% (p78 of band) | |
| FHLB advances / assets | 7.90% | |
| Tier 1 leverage | 10.75% (p50 of band) | 10.76% |
| Unrealized securities loss / equity | -0.09% (p70 of band) | -0.86% |
| AOCI / equity | -0.16% (p73 of band) | |
| ROA (annualized) | 0.09% (p8 of band) | 0.85% |
| Net interest margin | 3.19% (p25 of band) | 3.68% |
| Efficiency ratio | 95.61% (p92 of band) | |
| Noncurrent loans | 0.66% (p51 of band) | 0.62% |
| Net charge-offs (annualized) | 0.04% (p56 of band) | |
| Reserve coverage of noncurrent | 87.31% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 4.84% (p29 of band) | |
| Auto loans | $164,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 1 |  | losing money, expense ratio p90 |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 3 | deposits shrinking | capital falling |
| 2012-12 | 2 |  | deposits shrinking |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | capital falling, expense ratio p90 | assets shrinking |
| 2014-06 | 4 | loans exceed deposits | deposits shrinking |
| 2014-09 | 3 | wholesale funding >15% | capital falling, expense ratio p90 |
| 2014-12 | 2 |  | wholesale funding >15% |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2015-09 | 1 |  | liquid assets <10%, reserve under noncurrent |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 3 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | reserve under noncurrent |  |

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

- 2026-08-02 [Banking industry navigates deregulation, crypto changes - Virginia Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxPUEk3MTV5eHN5LWV6WG9RQmhYWHl0bDlEOE04ZVpKdFpfQXlNVThTZUtIaW14UVF4OHo5Z0JHUkNydlVTTGRVeFROSjZQd1dxRHdjWnFjbl9Bd2RsLWcyVTQ0aXlGclJDN1ZIWTlWd2NlQ2JyRWw5YmhBRF91UkpMSGZuOUo4M0RqU21LOTBLUmthOFNqTU5n?oc=5) · Virginia Business
- 2019-10-01 [Old Point National Bank Announces Appointment Of Susan R. Ralston As Chief Operating Officer - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOeFpLVU41VGVlODF1Z1ZvVzVXRnhYaTFQMENXUFlNNUtmdkJhX0djVnY3UDl5MF9PNGhhMlZxVmJJQkxSVkZSRWl1UF8tLTFLZ3lSZF91ZGNGdkk5ajhZUDEzWTV6V0NoQXNHeVR6NG5ZaHZmdzEzV3VIbGwyQmh6cVpLbThTczZfYnVLaTlidGVaQzNNOVRaYWZDUEpHaVdHakd4aUNBUGJpcGZfeUxFYTVXWnJPNTB3RWhCY3RWNXNZeklSTFNtUmN3QXJLWTJURG5IRzZ2SDRxRTBxcjRxLQ?oc=5) · PR Newswire
- 2024-09-05 [Chase, Dollar Bank expand while others consolidate or ditch branches in Hampton Roads - The Virginian-Pilot](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQZUdmRW1aa1A3cm1JeXBhZlU5VGtmUzlGUHVkRlEyUDVKV1dadnQ2ektOb1JwanZ2UXlaVF9lRm9DOUloaTQzc2ZyWXdaakpHSmxQSTJ4NjdLMXE0Mk1uV05ZVzVadUl4bGZTZmp4V1Y3eFZsX1dZenFmLWVnSDJJQ1VVYVJhREFaOWx3V1hKY3hCLW1aV2lLY1dkam8yejRpa3dYaFN3SldqXzh2aTliUE03TVpRWmxrSDNjSWpYQmVNZw?oc=5) · The Virginian-Pilot
- 2016-07-05 [Woman killed after crashing stolen truck into Va. Beach bank - 13newsnow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQR2VJREtNeXg1VDllSmszZHQ1bTNQOHZFRGNqZFFhSWtmTlJlQUNra0RUb2kxOUtpQVVqVmpJYWVLalByZjNYVktJVExtR0phNzVuYmRGb3daTzJrX0gtbjRZZmJIS3EzQmRhSFRwZ19VSU5YZHNmOVp3RFFnVF9LWEZYeHRWVlpCLVU2SUpQd3NOS0R2WVk3SUNRVjdjVUw1d2RUYUlsSkRUNzFXcXM1N2pkOUcwREhmSGRpMm5MS1hBVk1VYV9uTmotSnh0LUkyNWlYOUJvaw?oc=5) · 13newsnow.com
- 2018-04-30 [Dollar Bank, the country's biggest mutual, forming stock institution subsidiary - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPd3lCamlzX1c4WE45RWhIN3dEbVNtM3RReGdCNWNzVkhiTnU1RFh6NWhXX2R2MzUwazVhRXFuUjBOR1NsVzN5ak9fcjlNcTBHYzg5LUZsbW93RUV0TnFfRTNrMUtIeHpmQUNJM3U2WDNNWFlrOE54Si1vVGJFMEo4eXF1d0c0cG05a0VKOEh6blZ5elBHcVIyaVlZNDFBRGZYRG1GVFVXeGR2U3ot?oc=5) · The Business Journals
- 2024-05-17 [John W. Hoffman - The Virginian-Pilot](https://news.google.com/rss/articles/CBMifEFVX3lxTE1SXzlpNjVfMmZLSXRaUVVhOHM1OGVYREJiZi02YjljUnNFQkhBMkQzNUduUTFqNW5rZFM3Unc0LVViSzUxTHRKWkh3THhCTXRmbm9rYUlxeVZNMEQ3dlhrTFZsQU02azBzNDNLWnBTVTNZbExzUllsUDNUUFI?oc=5) · The Virginian-Pilot
- 2024-05-17 [Billy J. White - The Virginian-Pilot](https://news.google.com/rss/articles/CBMie0FVX3lxTFBKRzlIU2QybWQ4amxJQ2N0M2cwcVZiZlNfQ19ibnpvMklVdHo2RXBhMGR1ZzRNZVpMZzF4MG9FVWlwajU0ODZXVG5SUDJMYjMteTBuOWxSNXBaQ3NFMGpsN2NSaVkyNW94dGVXU2h4TG1IMHlwU05uRTFTcw?oc=5) · The Virginian-Pilot

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57730 (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/2.json (key "57730", 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