# NATURE COAST BANK
HERNANDO, FL · FDIC certificate 57773 · 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 | $55.1M | |
| Deposits | $47.1M | |
| Loans and leases | $39.7M | |
| Total equity | $8.1M | |
| Loans / deposits | 82.87% (p65 of band) | 74.46% |
| Liquid assets / assets | 20.29% (p25 of band) | |
| Uninsured deposits / deposits | 5.37% (p11 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.80% (p65 of band) | 10.76% |
| Unrealized securities loss / equity | 0.00% (p76 of band) | -0.86% |
| AOCI / equity | -0.02% (p78 of band) | |
| ROA (annualized) | 0.37% (p18 of band) | 0.85% |
| Net interest margin | 4.01% (p70 of band) | 3.68% |
| Efficiency ratio | 88.90% (p85 of band) | |
| Noncurrent loans | 0.52% (p46 of band) | 0.62% |
| Net charge-offs (annualized) | 0.16% (p81 of band) | |
| Reserve coverage of noncurrent | 337.38% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 22.37% (p58 of band) | |
| Auto loans | $84,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -16.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, losing money |  |
| 2011-06 | 2 |  | wholesale funding >15% |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 3 | capital falling, reserve under noncurrent |  |
| 2012-06 | 2 |  | brokered >10% |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | losing money | reserve under noncurrent |
| 2013-03 | 2 | deposits shrinking, assets shrinking | capital falling, losing money |
| 2013-06 | 1 |  | assets shrinking |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 2 | assets shrinking |  |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | uninsured deposits leaving | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |

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

- 2017-08-14 [Nature Coast Bank sold - chronicleonline.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbkFLanpTV2poNEpYaFB5dTJ0dWt4VU9IWVNHNE9meDBzWWwwRDk1NUJVQi0zYjZxWWlpWEdLU3E3bC1Bd0ZzcEZtV0pBblJBLVF0d1VTWmp2ZTBFWW9TWThPR3FUeURtSWFYNVV2ZGRSTEZnYV9QNGczXzBsalkxRnY5QUVnMjJFN1RLdFJHZXd6b3dBNUFPUUFVaHZZZ0NtV2dDVEhjLUZXWFliWjJ3UVFTb011dw?oc=5) · chronicleonline.com
- 2017-08-14 [Banking on Citrus County - chronicleonline.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPSGxtYzY0MXNWZll2UWc5TnVKZDZJaUNTZmNsbU54TEdpTXJCckd0QVZTWXpyLUVuMGthYUJ2eEtJZXE0UlNZRWlqeGZtUE9IT2RJNUJBS0VFaHNHUnFKdXZlc1J3SWRWcTU4NFI3VFZGRGR6d2hhRXBiT0dBSW1XdVN4OUFzZjZFOE0ydVRlMW5iTXhDX21lX2lnc1djbkIta2xnM3IxSG1UUVptLTVjbVl6YU5zR28?oc=5) · chronicleonline.com
- 2018-03-18 [Paul Slosberg Obituary (1941 - 2018) - Lecanto, FL - The Day - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxOREwtLTVSU3N4UktYcHlKMUpGLUMxY0djVlIyZnF1RjZlaWI1VEhqY2JjdHRpNXQ3XzloZ2hPdUVaZURTaUN4Y2s3ODRRNjVvVld5NWpPRWM1dVZqQVFUMHk5OE5CNGVVS0prZEFUeldPUkJkMVhnU2ZMS0pybDBZUUhZSV9jZS1UZXc?oc=5) · Legacy obituary
- 2017-08-14 [2010 Chronicle Citizen of the Year - chronicleonline.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQX0djTndQZUxjN2owR1lGVGhLWFJ2QWJEVk1yNHpYdTdpTFA4UGJoaXFlUmJic3dBLUlvNUo4ZUZ1dGl2U0Rlc2NidkZ2amxHQzVYOU9iRzlBeFhwN1haQzBObzlGQ1RDa1R3blQ0dVVUZWxGS29JOGsyUS1QdFJZSkFpd0pBWHJXQmxCelRiZ3RsZUNjRDhPM2JweENQcWdQMDNSWDNGMXRaMzZYbndtLVdYNUhaT1h2ajdNTTdBeFktTFJOWEE?oc=5) · chronicleonline.com
- 2025-07-15 [Citrus bank robberies show varied consequences - chronicleonline.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPUVIzbmFvMWRCSUpZb3k5N1doNV9JMHBuaTd2YlVQdTYwRTZubDkwQ1AtLUFaVkVaODJPN1NYOHhvdEU0Wng4ZmVtVTlxYmlQcEVET0xaXzdQV2Z3R0pEd0VUekZ1dklNdGtoZ2g2ZHpJLUUwZEpMQUg2bENYcWlhckY3dWlyU2ktczVPTU9kVGY4ZmhXbWRPV2YxeXhSb2FEMktOblJSS0FSOHU2UWdLVnMyUTR5VmppbVU0Z1N4MFBfQW5wbWtZNFkzM294ZEp5LU9Lcy1B?oc=5) · chronicleonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57773 (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/45.json (key "57773", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide