# BISCAYNE BANK
COCONUT GROVE, FL · FDIC certificate 57973 · asset band $1-10B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.02B | |
| Deposits | $788.2M | |
| Loans and leases | $879.9M | |
| Total equity | $90.2M | |
| Loans / deposits | 110.53% (p95 of band) | 89.50% |
| Liquid assets / assets | 10.84% (p10 of band) | |
| Uninsured deposits / deposits | 27.26% (p52 of band) | 26.63% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.62% (p73 of band) | |
| FHLB advances / assets | 13.62% | |
| Tier 1 leverage | 8.79% (p14 of band) | 10.25% |
| Unrealized securities loss / equity | 0.00% (p75 of band) | -0.59% |
| AOCI / equity | 0.04% (p10 of band) | |
| ROA (annualized) | 1.07% (p43 of band) | 1.16% |
| Net interest margin | 3.53% (p43 of band) | 3.61% |
| Efficiency ratio | 57.87% (p36 of band) | |
| Noncurrent loans | 0.08% (p8 of band) | 0.48% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 1295.09% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 53.17% (p62 of band) | |
| Auto loans | $1.2M (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | loans exceed deposits | charge-offs p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 3 | capital falling | loans exceed deposits |
| 2012-12 | 3 | liquid assets <10% | capital falling |
| 2013-03 | 4 | loans exceed deposits |  |
| 2013-06 | 3 | capital falling | liquid assets <10%, loans exceed deposits |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | wholesale funding >15% |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2014-12 | 3 |  | brokered >10% |
| 2015-03 | 3 | brokered >10% | loans exceed deposits |
| 2015-06 | 3 | loans exceed deposits | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | brokered >10% |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | loans exceed deposits |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | loans exceed deposits, capital falling |  |
| 2017-03 | 1 |  | loans exceed deposits, capital falling |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 1 |  | wholesale funding >15% |
| 2017-12 | 3 | wholesale funding >15%, capital falling |  |
| 2018-03 | 1 |  | wholesale funding >15%, capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | wholesale funding >15% |

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

- 2015-08-05 [BISCAYNE BANK REPORTS $1.82 MILLION NET INCOME IN THE QUARTER ENDED JUNE 30, 2015 - Miami's Community News](https://news.google.com/rss/articles/CBMiygFBVV95cUxNZkNibTc4eDNpTlZJODhvYUJyWFFjQURaSXgwa1U0RFl3TnBlM3hBMWFVVFR0N0pSMFlXV09pUW5VeTV0SUFGS2pIbzZQdVNSTFctNzVxWDJYNHdpX3BsWjFXNERKdUpFMmZsQkQtQk4zNHoyZXI2enVnMDVuel9QSDlKWUtSeUExS0xwc2x3M24yd3JPNnNBWGktRzdhemdENjkyUXotZmhNbXFuYThXSF9TanNycV9NMC1tdUtUYTE4OWR4bGkxZlB3?oc=5) · Miami's Community News
- 2018-11-19 [First Citizens Bank to acquire Coconut Grove-based community bank - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOemo0OEZCbmxyS1NJZkdva2ZlS09rc21ndVBsRGJSTUY5YVhWUDBtUXg4S0VSLTRiTEwxbms1MGp5WTJjak9MMXRpRV9CaElBcUE0UVl6UGJIOHExMUFBYUJQVDlZNVVBdFNaUmxISHVmUXhHNnpUX1ExV05HM3pqUFRMdGJvcXRMdTRvZmpEQmwtSWpoTE5oRzZqNmV6cGVrQUxQV2plMV9NZVJHZGVsbDhB?oc=5) · The Business Journals
- 2014-03-10 [18 banks get top ratings from BauerFinancial; four get lowest ratings - Miami Herald](https://news.google.com/rss/articles/CBMiYkFVX3lxTE8zaExhYWthM0plR2xPUmZZalM1RkhWWW1UZkJSZ2tZdnpNOW04dk1BeElYRE1RRGtKLVZVczNsVG5nLWhWT3BDSmtxdmh5YUFwZnlLMUF0RG5VV0gwUE11Ynpn0gFiQVVfeXFMTnc3eGdyV2JwQzlNd3VBaEFKcUpVTTlxTGpQX3hoeDBKYXpqTlVDRzctQ0hqLW9yZWhTb0w0LTFVem14ak0zOWhWRk5taXRhQmJSeU10T0JtSHZxVEZDNkVHMUE?oc=5) · Miami Herald
- 1973-12-10 [Nixon's Indebtedness in 1969 Put at More Than $1‐Million, Although He Had Up to $500,000 in Cash (Published 1973) - The New York Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxPeHZ6b2JleGhXWUI3NTlHTDJyaVpyODZBcFN2VEkzLXV0OGE3MFV6Q09sTTYxZnU2YUZZNlJfU1BWU2d6c3YwQ1RyUnZ2RHlVektEY19faFJxSGpkRW4yMmN1SFlUZjhEN1lTZ2M4d19wOW5YYUpDSDkwSW40QURuZzR0bGtCR3RZZlVQRlhGdnN2Y1RrUUZXc3lwOG5QRnVJRFlSZy1JMGFRSy1ub1VOdjJJUXE?oc=5) · The New York Times
- 1980-06-06 [$108 Million in Miami Banks Traced to Drug Suspects - The Washington Post](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQSk1vcTZCUXBVRzNzQjlXRm81RWlyNGdqZk1oR01uMFVtTUVmZWNodDE0MS14SkxYUmVDWkh4bTMzUlAzZ3R0d2VMcWlxSzhfaTJaQnRFMFhsekJXVjMzTlR1MW4zLXN1a1FhcmhkWjRSckp1TUVpSHFjQlUzb1p1cDN6dE93aE5nQ21tbFpaRXhuS1lDR2hVMkZfbzd5dWtrTEVTZzhacGJiaGd2QWkxc1h4MW02TTlZbWx4bU9hTU9BWWRKandVQThxdnZ2TzNXcm05QV85MHR2WUJJTHJOMQ?oc=5) · The Washington Post
- 2018-12-23 [Harry Joe King Obituary Dec 23, 2018 - Sauls Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTFB3V3p2SGZ2SGhsb21kLVpJRWhVOE5BR0FmSld4WFRka0Jha0x0ZGpNSGUtVl9aQ2xrVDRXV0xKTVlUV21Xa0VudU9QT19SQzFvUEtaQVlrT2s?oc=5) · Sauls Funeral Home
- 2011-02-04 [Eduardo Sardiña Obituary (2011) - Miami, FL - the Miami Herald - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNSllnVC1GUlIzX3JscERCTnQ2cE9MRVVPQlNNRGVCVG5mczFYS3p3WHJHcWpoRllmd3RfbFNOV051SW55S0pBZXhJeVlWZEdwQkxucXp4VTJJQkVBWE5mU3d1YlZtSW10bXVsYm5YY0ZrVy04TWdSUU1mNjd4bGxCR0t0R2RabEFEMjhVODBR?oc=5) · Legacy obituary
- 2016-07-29 [Power Leaders in Banking & Finance: South Florida's financial heroes - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZmNlbW9oaFh2QS1RcWxFdnp0eDZZZlRVcnNLZzE0VXpfaFhzUkQ2TXRrVnNteVM0dGFmVGN1NzFiazVSa3UxbXpBLTcxcHFiaFFlelhkT1FMU2pxLVFwQTlVUTFFQndGUmZCNUhRUFM4SlJpS3gxV09HNW1lMXhBUTN6Rk5kSFZBODNiS2tWZXBCbnN1V0poanJn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57973 (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/53.json (key "57973", 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