# STONEGATE BANK
POMPANO BEACH, FL · FDIC certificate 57934 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $3.13B | |
| Deposits | $2.62B | |
| Loans and leases | $2.46B | |
| Total equity | $417.8M | |
| Loans / deposits | 93.03% (p60 of band) | 89.72% |
| Liquid assets / assets | 14.81% (p25 of band) | |
| Uninsured deposits / deposits | 36.73% (p75 of band) | 25.51% |
| Brokered deposits | 16.43% | |
| Wholesale funding | 18.60% (p81 of band) | |
| FHLB advances / assets | 1.14% | |
| Tier 1 leverage | 10.68% (p67 of band) | 9.96% |
| Unrealized securities loss / equity | 0.08% (p54 of band) | 0.00% |
| AOCI / equity | 0.03% (p11 of band) | |
| ROA (annualized) | 1.06% (p57 of band) | 0.99% |
| Net interest margin | 3.81% (p73 of band) | 3.49% |
| Efficiency ratio | 52.69% (p18 of band) | |
| Noncurrent loans | 0.46% (p43 of band) | 0.54% |
| Net charge-offs (annualized) | 0.02% (p42 of band) | |
| Reserve coverage of noncurrent | 176.41% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 60.51% (p71 of band) | |
| Auto loans | $134,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $8.1M (2% of equity) (p82 of band) | |
| Deposits YoY | 28.9% | |
| Employees | 314 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2011-09 | 3 | capital falling | charge-offs p90, reserve under noncurrent |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | wholesale funding >15% |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | wholesale funding >15% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |

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

- 2017-03-27 [Stonegate Bank to be acquired by Centennial Bank - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNaHZaa3JZM1h3anMtRW9jMU1ZdWYwQjRtUzFjeHRxZ0pjTGdVLVZXZkgyRjhTMEg2bzRJdzJ4dFJJR1B1MHFpdXdpSlZoekN3QWpCdElWb3E1QXJSMzIwUlpWUnFvNW9aaEtHemtyY3V2VnpTR0dGNVFVaFpWYjNrQk9BZ3hYbEJmXzhhZ0FhVUphS1M4ZEx4bDY4VnpVelRiWm5ZNkZscHF4SF9mbmU0?oc=5) · The Business Journals
- 2018-07-05 [Home BancShares appoints Dave Seleski to board of directors - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOTBJQnd6WG5USm9Tek1oa1dWRVZzR3J5RjhpWEdiNTNueFp5ZkZYaHdMa1BQcEVNR3BSYnl5dlRCQ2dlQko5am9rVW5MV1QydzJISHVnRzhTc1h2OEdSeG1LUnNQOTRuaVI2Mnk5MEl2WFpfREJWU0FGUGo4TjVIRXNPWTd0M1ZxQ0ZfcDg4d0E3NnNHTXpXcA?oc=5) · Talk Business & Politics
- 2015-12-18 [Little Florida Bank Goes Where Behemoths Fear To Tread: Cuba - KERA News](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbzNXb3kyRkFneXBDMVNoWkFXUmtMMUdQYzY5NUJSODNPY1BKNFZnT2xFQjc1ZEdmZjZic25faFE2d2FZQVJ5Q2d2LWhWWWV6NUUxeWZLNEV6TmhmbUxwNWRDd0FZY0lVOUhnRWtSUnFIMzQtT1pKaHpwdlhQYkhVczh2UGNuZjFvTUZ0TEJtQU9tazBUbEFPSmFaVQ?oc=5) · KERA News
- 2016-09-02 [Stonegate is rolling - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMivAFBVV95cUxPeUwyX1g4b0JSM09yNGpJY3BkZEZYVVRrUWs1N0x2MXRzdnpLU3FFbWlqOHFGd2tsZ1JsM05TUnhjMVZWYmpRTDNJV2ZjUTBIZEEzYzF0ZXV1WXZWSWtGUURsNU5RVTgxX05relZDWnZYMHhucjI5VnlQZ0xTcHpxOVBrQXhKQjNhRGFqMExWR1g3U2dYdnpvRkN5UmIyS2ZxMmJoa1AxZXJCX1lTcFV0RUtYeWpmalFoNU1YVw?oc=5) · Sarasota Herald-Tribune
- 2016-12-01 [Dave Seleski: Cuba’s unlikely banking pioneer - Euromoney](https://news.google.com/rss/articles/CBMirAFBVV95cUxObmgtaWRqQzVUUnVXem12ZTYzb24xZEFQT1U3OTZJM3FGUkVkVzhHYy14QV9zUjdGYUM1dGp1NUJZaWRENGNCLUxmRHloOTB4MmZNTEdGRGJ5TFA5VlNNaWU1ZGlQM3pTb01PcnhJMnlRczhPcU5LLWhWSXdTOHlOS2RXOUJhYVlIeGtFeU9FUzA2TzJGQmN4OFF0TjFnYkZIazEydTM2VnFEU1Ut?oc=5) · Euromoney
- 2015-07-22 [South Florida bank is first from the US to sign banking relationship in Cuba - The Guardian](https://news.google.com/rss/articles/CBMieEFVX3lxTE1CR2tjQmJXTzZFN0Y2di1GbVlSWUZsNkNoc3o4dHhhMnVkSnhkOWtMWldDOWl5NzFWOURNU0c0a1pLYTVhbDR0WlJPZWFHZ21hd3d1WTZDUTBqOWNHVDA5YUJHSEVFUlllakxzUUlPN0xKREJ2cURBbw?oc=5) · The Guardian
- 2016-06-14 [FL bank issues first US credit card for Cuba use - WPTV](https://news.google.com/rss/articles/CBMikgFBVV95cUxPT3hZTjZWMkxCandUTkZwRldzV2M1bmk5dkhVdU9WN3RucklZdUo4NzhlUFl2RGtTOGxMT1BnS2FnTUs3V0pUbXMxc3VGR3Y4Tk1FeVd1V1ZaUllDUk50WXVvNENHc080c09IRU5WOWI2V3lvOWlEVWJLODNxQUF1NDVUUEFCaEtrblVTbFN4RFlOQQ?oc=5) · WPTV
- 2017-03-27 [Centennial Bank parent company acquires Florida bank in $778.4 million deal - Talk Business & Politics](https://news.google.com/rss/articles/CBMirAFBVV95cUxQU3praGhOVURmQXpqSlo1U2lvUTRPSUFfa0FNQnNPV3lydWstYUlsLWVvTWtsNzN2c0ZZakt3Z3U0ZjZyZnR6TWt3Vkk4a1VzU1U1NFNTNkwwd2YyRjlDM2lId2wyZmZEVTVGRm9qbkRrcU5saThOdHVlR3dRNER3dmZKSXJHeWJlM3U4SHpzXzAxQklmTDQ3djZWdWI3a0tkU2hQbmp3WUlJU29u?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57934 (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/14.json (key "57934", 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