# FLORIDIAN BANK
DAYTONA BEACH, FL · FDIC certificate 58173 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $403.9M | |
| Deposits | $339.9M | |
| Loans and leases | $285.6M | |
| Total equity | $51.0M | |
| Loans / deposits | 82.71% (p50 of band) | 82.78% |
| Liquid assets / assets | 22.95% (p44 of band) | |
| Uninsured deposits / deposits | 28.04% (p74 of band) | 20.30% |
| Brokered deposits | 9.02% | |
| Wholesale funding | 11.66% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.73% (p62 of band) | 10.05% |
| Unrealized securities loss / equity | -0.50% (p19 of band) | 0.46% |
| AOCI / equity | 0.73% (p94 of band) | |
| ROA (annualized) | 0.46% (p15 of band) | 0.91% |
| Net interest margin | 3.65% (p55 of band) | 3.59% |
| Efficiency ratio | 79.67% (p80 of band) | |
| Noncurrent loans | 0.41% (p31 of band) | 0.71% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 379.66% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 45.53% (p59 of band) | |
| Auto loans | $76,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2015-11-14 [Execs talk about pending merger of Seacoast, Floridian banks - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMizgFBVV95cUxNVjRMazR1clNfYXFvMTY5ZmNoTVBMTFJXUmRqUkJfbld3UTdiMkV6aEhsNjR5YkZJcFdpM0s4VThqTVZ5MU03MXBDWDBKSTBUR3IxR1ZxQk41bXRjelFQbU1JUEVTenB6NW1zcWdBM2JNeUxjdkwtcmVRVUl6Sy1hM0ViSUJjajRkTXp6WTE4b2I3bHVKc0RqRzJFLUw3QUowWFBuREIyNmVPbWxkb3Z5RjBxNlJZOGY4QUJ3OGxLVENOdHpTTVFhVENoZGo0dw?oc=5) · Daytona Beach News-Journal
- 2024-04-06 [Seacoast Bank to build new office at existing headquarters on Colorado Avenue in Stuart - Treasure Coast News](https://news.google.com/rss/articles/CBMihgJBVV95cUxOaU9LcjkyQWQzVmRNR29VczRSTXlXN3hpWm4tOWlDMFAyYTRaakF0LWtGVk9EUUZXVUI5SFB1YnEtb2ZMSmVrNkFRYy1DNWlCMkxhakVCLWhuSUhaWHN5cXhEaXk4YVBPaFlXSFp0WXliVUMwWU9pbUFvTUJESDJCWG9vVDI0bGZtN2xIUl92OGpHckJkcDhPR1RZWVR1cmlRcGxHU2dsMUFTUGFZWk9wUk5CZXpmUm5SWVI0RkJTTl8xMjRrcGptVXEwSUZOMEhiV0c2Um5DbHBDTXBad3ZGMGUyckdPbzFZREM1WklsOThVQmZwOTVmT1lFSWRJb2FXcjVNamNn?oc=5) · Treasure Coast News
- 2015-10-23 [US approves BCI's purchase of City National Bank of Florida - Carey](https://news.google.com/rss/articles/CBMihgFBVV95cUxQazNQckRUQlZPdnpvcFphLUtEZzZmN3AtN3QwcTZXTE4zeVdLVXhxMnFlR2YyTGgzYkFuNU5PVTZfczlUNDZ2SjcyLTk4LUFEcUZ3dTkwOE9JSjhGTTFVR01LYlNWcUJvcFoxMDF5cVpveFc5dzRUXzMzUEpxbUphRTFXdHNXQQ?oc=5) · Carey
- 2015-12-13 [Apopka native leads Seacoast in Central Florida - Orlando Sentinel](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMVdvZzBWa2hsdkg5MXVBT1l4SVkyOHE4M0dWeWxGUzd6YmMyX25ZcVZUcnAwczZyMDlnbjBINktHNFA3dHBLR0R2dEh5T05tNnAxTEF1WUYxTV9SaTczZ1h4bU1qYXN0N05YT2hSUl9yOXlkcjU2ZDJvczlrV080THl3a2cyVXFzaFF2R2VWTlV4ZzJzR2c?oc=5) · Orlando Sentinel
- 2013-02-06 [DNA Leads Back to Two Men Wanted for 2009 Armed Robbery of Palm Coast Bank - FlaglerLive](https://news.google.com/rss/articles/CBMiTEFVX3lxTE5JTUdfejBhRUkyZHIxZHVLcGc1cFhTMFFuWVRHY3h4cHpDRWxrMmI0S1NuanlvMDVHc3ZjWTc3eE1EcHVIOTZwb2xmdXc?oc=5) · FlaglerLive
- 2024-11-01 [16 Ways Snowbirds Can Establish Residency in Florida for Tax Purposes - Kiplinger](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUS1jeGRSemFWZWg0X2wtNlRUOE5MZWpLaUEwQkNEZ01kM09Lb2NieHBDeGFNbTY2OFdqdkdaLTF2a0JCakhydDE0UFdsdDRsTTlBZl9tOE94RmJISkhzZ3l5M2JJNno2S3NZYkprRmJRYUs0U3A1WTFHalVSY1dXTUt0cmEwejRRZFYxYl83NTZsZ0pJektv?oc=5) · Kiplinger
- 2012-10-01 [New home mortgage lending program launched locally - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxNSzlDOXd6aWpwZ3dwNlZYV1d6aEJnam1mYnZtMVd5aGtUMWdoZ2NXNmI4MHc1c0FFSVdPd3puVnBiVjN0bFVEdWhJMURNS0RpRkhQaHlOVFFjam1qNUxzdHBZczVyVmVWNjF5YmNNNXM3RG5YbDdNcmRfczVkSHEzOXVoX29xY1hSLXFXRjB6SWd6Y1N4bVlLaU9PVXAwN0RDellTN19qN05vMUpfRWNySVpmNTJ3WTZDcE0wbQ?oc=5) · Daytona Beach News-Journal
- 2016-05-01 [Moving Ahead - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNM2xfb2RVOHNxcnQwQmwwUW9vVjhCdDEtaTk0Rjc1MXg5TDR1RDJsV0JYdWZVR3ZPUVI4aTdIX0xnMjJvd21RTjBsQXlwaDRnY04tR0RvcEZKdzZBRjZKbkVIMGpncU1vX21UUHM3NjlSU1JEM0JCekU5bmczNVlLdENkVE5JTHR0YThobC1nZ2JxNWRLa21nXzNSS19LbWVhVFRiU1lNcEl2MkxIbzZ1UnJ5YVNxX3YzQ1FaV3dSR2FrMUVsdk1MOW1iZnh5Qk83SnZZaVR4bVAxSE1zUzlJVXlNSTVORzU2VldTbngtUG9iNExSS1E?oc=5) · Daytona Beach News-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58173 (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/61.json (key "58173", 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