# HARBOR NATIONAL BANK
CHARLESTON, SC · FDIC certificate 58219 · asset band $300M-1B · latest filing 2014-09 · 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 | $325.3M | |
| Deposits | $266.7M | |
| Loans and leases | $281.2M | |
| Total equity | $34.5M | |
| Loans / deposits | 103.95% (p93 of band) | 80.43% |
| Liquid assets / assets | 11.15% (p8 of band) | |
| Uninsured deposits / deposits | 29.00% (p79 of band) | 18.44% |
| Brokered deposits | 2.31% | |
| Wholesale funding | 9.07% (p65 of band) | |
| FHLB advances / assets | 6.76% | |
| Tier 1 leverage | 10.53% (p59 of band) | 10.05% |
| Unrealized securities loss / equity | 0.00% (p37 of band) | 0.40% |
| AOCI / equity | -0.15% (p4 of band) | |
| ROA (annualized) | 0.96% (p56 of band) | 0.88% |
| Net interest margin | 3.74% (p59 of band) | 3.62% |
| Efficiency ratio | 75.12% (p68 of band) | |
| Noncurrent loans | 1.05% (p53 of band) | 0.96% |
| Net charge-offs (annualized) | -0.11% (p4 of band) | |
| Reserve coverage of noncurrent | 133.95% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 90.57% (p89 of band) | |
| Auto loans | $38,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 16.4% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | loans exceed deposits |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | loans exceed deposits, capital falling |  |
| 2014-09 | 2 |  |  |

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

- 2017-11-28 [Harbor National being sold to N.C. bank - Post and Courier](https://news.google.com/rss/articles/CBMixwFBVV95cUxPZHJsdWdBS3hSZUxadUZJdms3Sl9vZWlZalU4NllhNXZ1WFRhUjFGaVctaVNzbk5ZTFFVSUpzbHo5Njk5ZUhEWjZwaGxZZzlDeEJCVG8wU1ZjM0ttUTVuaWYzZEVWVjRCSVJJYmlVX3ZxY3o3R3VTaEh2eDl2aVNxUEVjUkRaQ2x0czBZVnI5SFdNU0tBWk5RQXhHTW9WYWM2MWhkQVpDbVJFcmFIOVNSSlJpQWZJWG42c0tQcHNlQjNGcmFPTVJR?oc=5) · Post and Courier
- 2010-06-28 [Charges mount for trio accused in string of bank robberies - Live 5 News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPaEdRQmZzWGtZNDhVaHNSRDR5enpCQ0JMZ1FYTnctVnFlNDNGVk5iVktpQ1U5MUN2Zl9UQWtOZUVUbHctMWtJTGozUTdMZFdlYnRFTUlKTC16LUtYX2otNENnVFdCZHZFdWNLSDFua19nbzdCaG83SUtmMm9EOE1SLVMtNHE4RWRZbDA1RTFhTm1LZUVZUWFXTHdFY25kOTJDcnfSAbQBQVVfeXFMT3NCRUZZOVBqU1FFU3NoZEZ3ZDMzUjBoVHQySFlYTkpUSndJTWMySFRjMS1NTUNUcTFib0NQbjA4dnUwWF9XUXEwVU1TdEtLMHZVUHRScWZaWmotYkJPTUhheDEwX29uMHhsWHNqZkdrT2NvWXJZSnUwdkJhSlhMdkdwVzVtZC1xNHFjcXdsM1ViM3BlZGtLeGNOcHdhU2lzNFp2RFJHZk5XZmViSXVleEN5dlRp?oc=5) · Live 5 News
- 2019-02-11 [Phyllis Brosh Obituary Feb 11, 2019 - Whitley's Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9GbWdNS0xxa0VwV1dMOC1GSGwyQ1k3ZHNfM3Y2MkszMUh1VFBuNGJna0hsT3RWR1gyV0lneW5yZ24xaUFiMm9DdW1NVlFOVktWRWhZSXpuYzB0aHMtZlVodjJmdnZLRW1WcVF1Uw?oc=5) · Whitley's Funeral Home
- 2013-03-21 [Robert E Molony Obituary March 21, 2013 - charlestonfunerals.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE03U1FacmhWWlF2cVRjY2RXekFfQ3oxWFIzelcyOUxsdUNXbnFxSmFjbzhfMHJSTU1QWWdpME15X2JwejdxaHZCOE5Gc05teW1TeF8xOEJQR0w0aHRCdFlSd1NxTjE0ZjItNWVr?oc=5) · charlestonfunerals.com
- 2014-12-26 [With recession behind them, Triad banks looked to acquire, merge in 2014 - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSTBELUFsZUo4VW9ORFZMdjlRNXZENmgteU5USEVIQjhWSUtQZmFhSGpxZUg3ZXNGV0ZHVWY2MGFZUGF5eGExMGo0N2VQdjF3ekNWajF1ZEtsT1IxZXlIOXNuV2ExZHFiYUg3LXRMSFhrNndSNFp0dTRkM2wxeVBMbkEybXhQYUZfT2RlZjJFd3hkaDNiREZpX1BFZ1ZLcW83LVFDRHNR?oc=5) · The Business Journals
- 2016-12-08 [Local lender moves up by moving downstairs - Post and Courier](https://news.google.com/rss/articles/CBMizAFBVV95cUxOTkdELXJUeG1NZDZwNVFGcV8xcUlRYUlPS2JTY2QzeFNlU3JOR0tEMFdHd2hSeE91VW1oX1VjU01mNjdMZXNjOEM5dURVR0RXMUNkbENOQzZxMzVrbTdybEVacDJxZFBPZ3JvTDM5QVZVbG5Vd05DdUJmRm44ZW5iZXprd0g3NFpKbWFKYjc5cEJpNF9HTnVVNndCWW9JaHdId2pxNVVVWWExMndxRlpEbnZqQURoQlFWTjVzR0RJMlg2QWpNSmVBLUd5VUw?oc=5) · Post and Courier
- 2012-02-13 [Charles Thompson, Jr. Named President Of the So.Carolina Athletic Hall of Fame - Live 5 News](https://news.google.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?oc=5) · Live 5 News
- 2016-11-02 [Executive items - Post and Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNREhYVUV5S0xmX19Ba19iTXJOLXNod1pfU21YbV9hM2dvQ3ZVS3dRMGxDWU5vd3lJUlh5c2JIX25Bcjd3V1p6S056Tm5nQVp4Vm12cjNkZWlyMjVLbjEzX1YzNWVvMHRiMWFJM3JmRF8wTXplaHdPV0labkhJZDc5QUNvQV96Wk9rSjJtVkVpcmFuVFZvOEJNeXEzTHJOeXlhQ0IxVXJwb2Y?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58219 (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/43.json (key "58219", 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