# ORANGE BANK OF FLORIDA
ORLANDO, FL · FDIC certificate 57960 · asset band <$300M · latest filing 2014-03 · 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 | $215.8M | |
| Deposits | $183.9M | |
| Loans and leases | $160.5M | |
| Total equity | $23.7M | |
| Loans / deposits | 85.02% (p80 of band) | 68.03% |
| Liquid assets / assets | 20.61% (p17 of band) | |
| Uninsured deposits / deposits | 20.02% (p78 of band) | 12.24% |
| Brokered deposits | 12.01% | |
| Wholesale funding | 15.52% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.28% (p64 of band) | 10.34% |
| Unrealized securities loss / equity | -3.63% (p20 of band) | -0.15% |
| AOCI / equity | 1.14% (p62 of band) | |
| ROA (annualized) | 0.67% (p45 of band) | 0.74% |
| Net interest margin | 3.91% (p68 of band) | 3.59% |
| Efficiency ratio | 82.57% (p68 of band) | |
| Noncurrent loans | 2.00% (p72 of band) | 0.94% |
| Net charge-offs (annualized) | 0.21% (p86 of band) | |
| Reserve coverage of noncurrent | 128.59% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 97.82% (p95 of band) | |
| Auto loans | $142,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 44 | |

## 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 | 4 | brokered >10%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | leverage <7%, expense ratio p90 | reserve under noncurrent |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 6 | reserve under noncurrent | capital falling |
| 2012-03 | 2 |  | brokered >10%, losing money, leverage <7%, expense ratio p90 |
| 2012-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 4 |  | construction >100% equity |
| 2013-03 | 5 | brokered >10%, wholesale funding >15% | uninsured deposits leaving |
| 2013-06 | 6 | expense ratio p90 |  |
| 2013-09 | 4 |  | wholesale funding >15%, expense ratio p90 |
| 2013-12 | 5 | wholesale funding >15%, charge-offs p90 | reserve under noncurrent |
| 2014-03 | 2 |  | deposits shrinking, assets shrinking, charge-offs p90 |

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

- 2026-06-30 [Michael McClanahan named Orlando regional president for Pinnacle Financial Partners - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQMnlsalNGTlozbkU5WTlWaDlOWlMtUllfM08tWGJGeUdnMzJQZG9FNUZ0VHEtUkR5NUZiWTZnOU5UaG9PWkdfOVNEdE9LYy1OTDV2MEN3bnNmUkZyXzlPdWhBdHJBQ3VNYU4tRkQzdDNJdk9DNDd0dGkxQ1FYX1hfdXhaQTNHN2tuNi1KR294c1hvWjRjU3RWc29rQmxiaGNUM2tpb3dIZ1h0Mk9USUtJX3UzNkZsZEgyUVlnTUJNUGluQm9SZ3YxZEIyUFFXUXN6cWVPdzFvMmw?oc=5) · Pinnacle Financial Partners

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57960 (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/40.json (key "57960", 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