# FLORIDA BANK OF COMMERCE
ORLANDO, FL · FDIC certificate 58081 · asset band $300M-1B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $319.0M | |
| Deposits | $280.5M | |
| Loans and leases | $231.0M | |
| Total equity | $33.1M | |
| Loans / deposits | 81.36% (p43 of band) | 84.10% |
| Liquid assets / assets | 24.22% (p51 of band) | |
| Uninsured deposits / deposits | 33.29% (p83 of band) | 20.48% |
| Brokered deposits | 0.47% | |
| Wholesale funding | 1.83% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.58% (p36 of band) | 10.18% |
| Unrealized securities loss / equity | 1.40% (p41 of band) | 2.01% |
| AOCI / equity | 0.40% (p31 of band) | |
| ROA (annualized) | 0.62% (p22 of band) | 0.94% |
| Net interest margin | 4.10% (p80 of band) | 3.61% |
| Efficiency ratio | 75.78% (p73 of band) | |
| Noncurrent loans | 0.54% (p43 of band) | 0.65% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 220.51% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 94.78% (p89 of band) | |
| Auto loans | $89,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-12 | 2 | construction >100% equity | charge-offs p90, deposits shrinking, assets shrinking |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 1 |  | construction >100% equity, charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, construction >100% equity |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | construction >100% equity |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | capital falling, construction >100% equity |  |
| 2015-09 | 0 |  | capital falling, construction >100% equity |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |

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

- 2016-11-01 [Sunshine Bancorp completes Florida Bank of Commerce merger - Plant City Observer](https://news.google.com/rss/articles/CBMilAFBVV95cUxQSFBPLXE0bndYRF83cmJ2R3Y2Mzd6VTUwdU1ad1MtR1hZTERsSUJaeDdhNFVPdzUzVzBaZXN4aGJrMW1ZWFhhRzNaMEMyRjRjR1hxNW5PZUNCcVJodkdkRXViSHFBT2xvRFFkaGFZRGlpb1ZjQ0ZCa2lmbm84eE1tZ2R1NmliZWlmUjRMcUxubUJ3TlNw?oc=5) · Plant City Observer
- 2025-12-05 [UCF’s Fall 2025 Commencement Set for Dec. 12-13 - University of Central Florida](https://news.google.com/rss/articles/CBMie0FVX3lxTFBUazZDTmlsZjhJZjN6TXhrR2VjNVc1eFFVUlFmcWxHZ05laDAwcFNVUjlUSk9RTERKOERpY3IxRWRYc3N1eE9BVnJocE1hWG5ubDlaaHU5OWFZZ1JvRlFNMnktMTBLVXlMaXI4OXM5LVU5ekJHVjkwZ0dWcw?oc=5) · University of Central Florida
- 2018-05-10 [HFF Hires New Senior Director in Orlando - Multifamily Housing News](https://news.google.com/rss/articles/CBMif0FVX3lxTE0tZW9aS3pOcTZFNTJlUFVSdU5hVjBfUWJiWXNoUnUzNWVtTkhpQTBwZXdMbDBERV9QcHd4VnFJYW1jNUVPeDNoSGFHdVo5dzhoRGxnYmttVGxkYV9zVmxqNlZxaEJfVmM0UkNTbGdpeTliM1BIX2RxS0F1U1hsVjQ?oc=5) · Multifamily Housing News
- 2024-11-20 [Kay Jones Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiW0FVX3lxTFB4ejdfNkRjOXdmNlBReWgyYjgzNzZGeEtULWhvUnJqVTJKOG9EQnRDMHlkbGktN3BTbVRIREpZZ3ZqZi1FV0xQbTBoZTNxMC00cUxTMVRDNVJzQTg?oc=5) · Knoxville News Sentinel
- 2025-02-21 [Association names EFSC music professor Lamb to its Hall of Fame - Florida Today](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPRnFUYlNxUHpReE5nMW1qTFlGbm8xdlhscHhtaWpnSUtaSDVBa2Q4anByMnBCamc2ZE5ybU5HY1hKQ3hOeW5Jc3hDT2NMeEI5TVlEaWNYVDZvbWVKcWdFckJXUkhyTUFNUmZHRVExU2tEbkdOTWRXS3dONGRRTTlkeFhXY2ZWaXZ1bGhTOEFUalJKMllSWlBRQ01VcWtGdTlnVlBzM1hoUlhVc1VnWjJrTzR1amdhZ2hMaVY1Qi1KRGNqT1RRcEhEMjR2MGczVWRuNWZJ?oc=5) · Florida Today
- 2020-11-09 [Acrisure Mortgage Review: A Florida Lender with a Simple Loan Process - The Truth About Mortgage](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfMm1QMHExNmtqTWt6MXpnRjM0NkNUYTdaS0xXOUNad003MUJ1ZFM1NEVKOUJWM1FtVGh3akYtWGVacFhxUmY5Q3VGdlFyZWpBcU1mV0xId1BGemdGdGsxcXZqYnAxdVVhTnc?oc=5) · The Truth About Mortgage
- 2015-01-07 [Web.com's David Brown appointed to board of Jacksonville Federal Reserve office - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcFNaMktHX0djckxDTWl6QXNycFNPOUFoSTRjWFlDanRSakxMdC1BTzVYbDlvQkNjVk4zc1ZPVXVBbGJJREtiQ3BFb0FySGt2ZWNDdmxqWTg3LWpNRnpzWnMzakk3bFNrUVJod2ZsUGk2bzdjM1JoQWFlOE9QbDBGaVFFNk1FTHhHbDBScWpaSXdPb3RrYXVlNk1tRkhSR21IN3F2Q3NXTQ?oc=5) · The Business Journals
- 2016-10-23 [Cocoa Beach mayor, commission candidates - Florida Today](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTlZpMWpWd3ZRamZjcjQ5Um1vMHVveWNNUlYxVWZ3M01halloSmdsSmpBTjlXdGVnanJBNFZ3d0F5WjZfNjNOX3lxUVh0SW9Xak83V1pLWFo4UERkNkRDQU12VEp5Q3Z1TDZxWHRNbm9GS0VxTmE1YThxamg3TzhXcWhHMXMzXzQ5Qk1sS2Jna1M5OGlaR0k2R3lyUlRpRXI2WXlRUGlFR3QtWEZMVGdFSENLQ0RmYzNlTjhn?oc=5) · Florida Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58081 (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/33.json (key "58081", 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