# BANK OF CORAL GABLES
CORAL GABLES, FL · FDIC certificate 58131 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $103.1M | |
| Deposits | $96.5M | |
| Loans and leases | $59.0M | |
| Total equity | $6.3M | |
| Loans / deposits | 58.73% (p29 of band) | 71.36% |
| Liquid assets / assets | 44.41% (p69 of band) | |
| Uninsured deposits / deposits | 25.84% (p88 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.31% (p2 of band) | 10.52% |
| Unrealized securities loss / equity | -0.21% (p33 of band) | 0.17% |
| AOCI / equity | 3.34% (p73 of band) | |
| ROA (annualized) | -0.54% (p4 of band) | 0.81% |
| Net interest margin | 2.78% (p12 of band) | 3.65% |
| Efficiency ratio | 118.02% (p97 of band) | |
| Noncurrent loans | 1.09% (p57 of band) | 0.86% |
| Net charge-offs (annualized) | -0.26% (p1 of band) | |
| Reserve coverage of noncurrent | 369.42% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $18,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 6 |  | capital falling |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90, charge-offs p90 |
| 2012-06 | 9 | noncurrent p90, charge-offs p90 |  |
| 2012-09 | 8 |  | uninsured deposits leaving |
| 2012-12 | 6 |  | reserve under noncurrent, noncurrent p90 |
| 2013-03 | 5 |  | charge-offs p90 |
| 2013-06 | 4 |  | deposits shrinking |
| 2013-09 | 5 | deposits shrinking |  |
| 2013-12 | 4 |  | losing money |
| 2014-03 | 3 | losing money | assets shrinking, deposits shrinking |
| 2014-06 | 6 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-09 | 3 |  | capital falling, deposits shrinking, assets shrinking |

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

- 2019-05-17 [Why First American is buying a South Florida community bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQOEt5V1IwOVRrU1F6WjFRMEFDbWZ6ZWVvRDN2RWkzdXBGazNtSWR2dUdPY3FkSHkxdVdFVkIwc01tckM0SlVlOU04X25NX3A5bC1hYWxaclZBWUR5RDJQT1pTVF9iaHhDNWxaTHdJUHVRSDJlanlzVkdsSFhpY0xER081cjdMWUt3N0RkRGFxRmpuaEwtVmhseE5jREFkZlZJdzZvemxZWkxrdw?oc=5) · The Business Journals
- 2009-04-16 [Tully Dunlap Obituary (2009) - Miami, FL - the Miami Herald - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxOVURXWVVhQ0loRUZYRnlVN29rRERQRGRTaHRhMmtRWVQ2VDZUNlZYWnpadERyM3dKTHJGQ0FDSU11NThPbVFkandUaW5pYmNUMEpicm1FX1RCTGdkYUlpS2VUTmlxWWFwdjF5cHZmOUxqVWdPSXdwT0ZKTzFHVlR4SmdzVmtnVkJqRkE?oc=5) · Legacy obituary
- 2022-07-17 [First Cuban-American-Owned Nationally-Chartered Bank In The United States, Now Owned by First American Bank, Handling Cuba Embassy/UN Mission Transactions. They Do Not Want To Talk About It. - U.S. - Cuba Trade and Economic Council, Inc.](https://news.google.com/rss/articles/CBMie0FVX3lxTE9jN2dKWkl3dlVzTFMtR2dfa1R0OWlLMzh0aTRuOUQ4bG5TV0ZTRkpaNGsxczdwWEptMXZlUkNjemZRM3FVN0ltVURDNjBDaGVLQ2ROMmZIV3l5TkwxRVVrN0ZZTzZTSG5oWmlUeGlfNUh3Q3hObXZkTXBqUQ?oc=5) · U.S. - Cuba Trade and Economic Council, Inc.
- 2025-06-13 [Broker: Deutsche Bank office building in Jacksonville sold for $38 million - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbWNSX0FoS0NRZW1KTXpoc1hPMzh3TEVBUzBJRHItNGd5NTBGQVJNbzNmcFpzTVRQdjA4VGtCNVFwMkp6SEo4c25pOVFhaTdacWh4ZWN1MDZ1YURXcnQtTjZ6TTBzSWE3WDh1bTNwazRGb2s4UkVLZWRBYS1SSkstZWZBOEJJUUNLOHpDeDc4bGx2ZjBLUW0zNlg3bkl3WHNudlRzRGxVdlNocDRLTnlrdTlmRTJnY0dUSzNuQ1Zn?oc=5) · Jacksonville Daily Record
- 2019-05-15 [Exclusive: Miami's first Cuban American-owned bank to be sold - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQeW4xUkNPX2E3aTZZUnZGbWFxSGhEYXFkZ2pMcVZhWVozdGZtUm9EM2ZMR0I2RmhFY3hpQWVEbDhZaldjY19fQ3dHWElUa056c3h0UlBJWkItUmVNek00YldYc0Q1M0Fic2xKc0xoaGhocWJiT09lcWFieTJXNFFTaWFpWnI3TU5xamRGWUUxRkppRXVhNWtSbUtuRDR3QmZ1ZDF3ZDVfaGZVVjduUzNF?oc=5) · The Business Journals
- 2023-07-20 [Francis Giuffrida Obituary (1934 - 2023) - Gainesville, FL - the Miami Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdExndnc0cEdNZXdleEllWnZZYTZEbGZQZkU4YmpVYkFra3ZHcHdFcVB3LURWZVpLai1VWHFKV3BFVV9NZGNwanN6SFFHMWp4dHMxbGtrRHdSMUdBb2pkdFV0RXBnZ2JValJLV0RhMF9fNWxnLVNpMkRVc1lPekxKY091UENoWmhGeEQ0aU5ySVY?oc=5) · Legacy obituary
- 2019-10-24 [First American Bank finalizes acquisition of Miami's first Cuban-owned bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRU8xeURkejlHQmxwNXJjaXQ4aW92ekxxZm54UlJNQ1JfWURZeTJoQWlZVlBjNHI3ajkyclJYSnNCUWI3WTJVQnpNQ09iX21oNmZya2l2Q1FfTDlKQ0RlSUJjbEVRdXZNY1hNeXJtNllOaW1hTUFkV204bE1lcVowNnY1ZS1Vc3pkMzhPQ1VKVHhWM3h3aEFjRHRIVnVCRG1JTHFNRHNCNU5tZw?oc=5) · The Business Journals
- 2005-04-28 [Robert Searle Obituary (2005) - Miami, FL - the Miami Herald - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOc1FibkJJNlpjR0U3ejdmdFpkbjlxSUc1WjBKRnNVT05VbmozOUxQRlZEcUV1TG5sQ19vcUg4YUt3TEFSWUR6enVzVElGQ0hPTlItOFBqU1BVbHhIX0QzU3Q4aWhQT1VJVHBCZzhFc0Q1V1FzWjJNaVo4Um80OGlpZm5qMTZveE1WbWJ3?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58131 (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/19.json (key "58131", 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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