# GLOBAL BANK
NEW YORK, NY · FDIC certificate 58263 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $304.2M | |
| Deposits | $212.8M | |
| Loans and leases | $248.3M | |
| Total equity | $35.9M | |
| Loans / deposits | 115.55% (p98 of band) | 82.04% |
| Liquid assets / assets | 13.64% (p13 of band) | |
| Uninsured deposits / deposits | 17.93% (p22 of band) | 25.97% |
| Brokered deposits | 4.06% | |
| Wholesale funding | 20.66% (p94 of band) | |
| FHLB advances / assets | 13.97% | |
| Tier 1 leverage | 12.11% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -1.40% (p83 of band) | -8.10% |
| AOCI / equity | -0.55% (p39 of band) | |
| ROA (annualized) | -0.02% (p3 of band) | 1.28% |
| Net interest margin | 3.44% (p25 of band) | 3.91% |
| Efficiency ratio | 91.39% (p96 of band) | |
| Noncurrent loans | 4.49% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 22.11% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 3 | capital falling, losing money |  |
| 2016-12 | 4 | loans exceed deposits, deposits shrinking | capital falling |
| 2017-03 | 4 | wholesale funding >15% | losing money |
| 2017-06 | 3 | capital falling | expense ratio p90, deposits shrinking |
| 2017-09 | 2 |  | wholesale funding >15% |
| 2017-12 | 2 | wholesale funding >15% | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 | uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2018-12 | 1 |  | uninsured deposits leaving |
| 2019-03 | 1 | uninsured deposits leaving | loans exceed deposits |
| 2019-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 5 | wholesale funding >15%, capital falling, deposits shrinking | uninsured deposits leaving |
| 2020-03 | 5 |  |  |
| 2020-06 | 4 |  | deposits shrinking |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | reserve under noncurrent |  |
| 2021-12 | 0 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2022-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2023-03 | 4 |  | capital falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | noncurrent p90 |  |
| 2024-03 | 7 | deposits shrinking, assets shrinking |  |
| 2024-06 | 4 |  | liquid assets <10%, deposits shrinking, assets shrinking |
| 2024-09 | 4 | capital falling | uninsured deposits leaving |
| 2024-12 | 3 |  | noncurrent p90 |
| 2025-03 | 3 | noncurrent p90 | capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 5 | wholesale funding >15%, capital falling |  |
| 2025-12 | 3 |  | wholesale funding >15%, capital falling |
| 2026-03 | 4 | wholesale funding >15% |  |
| 2026-06 | 7 | capital falling, losing money, expense ratio p90 |  |

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

- 2026-09-04 [Exclusive | US severs Iran’s ‘financial lifeline’ to NATO ally Turkey with bank sanctions: ‘Find out the hard way’ - New York Post](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPaHJNV1dhTGpWSDUybEtxSHpfVHpkY28yWnVtX09lSWF1UG02cmk0a2k2bHpmOExFTzVRTFNzd285Y3pMSVg5MnVXeS02R01lOEJWZmhCQlRTQ0NxUXc1ZERMeGZFYWFjOUFvMWxCSGhQV1JLemFEMjJvczBwOTd5emJoVjEtZGliT1VoVzcwTnpsRkN5X0ZXXzNnNGNWendUMDcyM2NNVG5RVzFJRzJlRXdBeXQ0Tlpib1FYR2NjcG9HankwVHFrNEY5TkNRU2VPS0E?oc=5) · New York Post
- 2026-06-01 [Veteran New York Banker Edward Gobora Joins Hamilton Reserve Bank - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOaHh6MDZTRUZkcmluX2lUdGExem1WbGdiQk9ORTBCbEhCSXpnRHhfcDh5c2s0NmtNM3JubThGOTh1a3c2VEFoQ3o2ZjBhUzBZRDNVTXotbHZ5UHAzWExJSFItYzZmV2NnY3NGcko2dVdybUtSQlJ4V2RGQnhJMjNCMzNnY1NUTzhBaXU5WWJXWGdkYlNIaXN3THVOZDBBQWpWNmgyS2RmdEhtb1JzcFluSEFldzdMQ3FfbkxmUk5saw?oc=5) · Business Wire
- 2026-05-14 [Seasoned New York Investment Banker Taso Carayannis Joins Hamilton Reserve Bank - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOUVk4U2E5SDVzaGxVSi1EVVVVTzhLam44M1plSXNQZjkzUFJXNlVrMGhxQVgzb09uV19Ta0FkOEhPLVNRbmdwaC1YSFpVVWVUYTRqdFA5dU5KM3JraDlkZzFKTzdDcm40VmduQlpvR1p1OEJXQWktc3FGdHU1WTN6VzJ5d0JKNC01cVJ1MU90NVJveUtrY0gwTVFqQ2Z1dzlZNE9NZzc1WWxIdjFkSER0bF94Y0Z0OHI0SGQwTkUyQkk1R0M5aTNyR3pFdl9ySVNkQkE?oc=5) · Business Wire
- 2026-06-10 [New Report: Global Banks Financed Fossil Fuels with $8.7 Trillion Since the Paris Agreement, $906 Billion in 2025 Alone - CleanTechnica](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPeUhVa2d1RWdsWWNVLXE1REk5U1NReTNuOU9fdkJSTHNKRFYyamZuUy0zVUtKNDdSVzdSbTl0dk5BenlsTVg3Y0FaSlk0ZXFHb09Dc0FZQUpLcWJpMndRWjAwUG5fM3dZblFsT1U3WDFwWjk4VUJtemQ3M3gwNWM3ejVab3R4UWFtRGRsX0hIZko3b3BwU0N2NVFZOW95b2xRVWExNG4tbzdJU0s3RXZ6VDVJZ2N4bnpMbW1BUHdNMXdqbXNUclVqMk9VMVVQbmNIS0RTT2pmUUNDVjYtN1dMdnhUQms2eDdD?oc=5) · CleanTechnica
- 2026-03-11 [Banks in Gulf Evacuate Their Offices - The New York Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMDZaZl9IYl9PUmdUcGRYVVgyTkdLNmQ5dVFTZEF4REl0Z0Y4aG9qRGY4WmFMaU1sTDFfWWxJeDBWWmVOUFVXcXZNREJJVkFXR3VnbDY5RFh5M3ZVSnZ0LTVxXzYzdWdlSURSRy13NWlSMklBd29MMng5MnZQYk9WTlUycG14UVFZQ2xjQ2hXX2x1OVB2VlE?oc=5) · The New York Times
- 2025-10-29 [Historic Human Rights Verdict Against Global Bank - DiCello Levitt](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTXNJdGZDUjNyWnZPVWlKTDJNUjliaFpEZk1BbVhCQlpiakRaY3kydTRLTE90Z1k1QjY5azc3ZlV4ZC1FVXhyUXRTSWpTNklQNEVoTS0wbGpBQmwweUhtdjJCNHo4b25uMl9oTkcyQ29kUi1sS0VUbXlVcFdtMUFyVFk1S2luQndXQXdQeFdYeXQ?oc=5) · DiCello Levitt
- 2026-01-09 [Banks eye Venezuela investment, JPMorgan seen with advantage - Reuters](https://news.google.com/rss/articles/CBMisgFBVV95cUxNeS1GV2s2V0o0SUU0SFFtbmNYVE9UeUJtRGhEYnQ4aWUtZUpYUGFIWWRIdDJZdUlmLXlJN1FwS0dSN2dablZTNUE3THZ4RlcxWGZaOFFrLXkwWGJNXzk1VU1qQkVkOGMwVFpPVThJUTF2d3VjS2l2Y1EzcjQxZHNJRzZ2QkxNSnBOaEpUN09ITEZWN2tXYjRuXzhzT1B0QVl2SkMzcWMwSHBBbjczb3ZrOGRR?oc=5) · Reuters
- 2010-09-30 [Manhattan U.S. Attorney Charges 37 Defendants Involved in Global Bank Fraud Schemes that Used “Zeus Trojan” and Other Malware to Steal Millions of Dollars from U.S. Bank Accounts - fbi.gov](https://news.google.com/rss/articles/CBMib0FVX3lxTE5mR2JiVkZzRXA2OWRUSnlQOVVWdUhuSlR3MXBhNllWbmpGSjh6T2R6WGx5TXBOLUd4Y1J3Q1duOENzeHNSSUVjUDh1dkhmc3NoU2NXMzIybGI5ZWFveFJIWno0Z3FvQUR1TEljdHhnaw?oc=5) · fbi.gov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58263 (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/23.json (key "58263", 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