# SEASIDE NATIONAL BANK&TRUST
ORLANDO, FL · FDIC certificate 58328 · asset band $1-10B · latest filing 2020-06 · 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 | $2.16B | |
| Deposits | $1.81B | |
| Loans and leases | $1.47B | |
| Total equity | $164.6M | |
| Loans / deposits | 80.65% (p34 of band) | 87.07% |
| Liquid assets / assets | 27.64% (p69 of band) | |
| Uninsured deposits / deposits | 41.58% (p77 of band) | 28.71% |
| Brokered deposits | 9.19% | |
| Wholesale funding | 14.93% (p79 of band) | |
| FHLB advances / assets | 5.61% | |
| Tier 1 leverage | 7.37% (p4 of band) | 9.64% |
| Unrealized securities loss / equity | 11.75% (p96 of band) | 2.50% |
| AOCI / equity | 3.89% (p90 of band) | |
| ROA (annualized) | 0.38% (p13 of band) | 0.94% |
| Net interest margin | 2.60% (p10 of band) | 3.46% |
| Efficiency ratio | 64.44% (p60 of band) | |
| Noncurrent loans | 0.18% (p18 of band) | 0.53% |
| Net charge-offs (annualized) | 0.79% (p97 of band) | |
| Reserve coverage of noncurrent | 502.82% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 32.58% (p35 of band) | |
| Auto loans | $47,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 19.2% | |
| Employees | 157 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 5 |  | NIM <2.5% |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 3 |  | losing money, expense ratio p90 |
| 2012-06 | 3 | expense ratio p90 | wholesale funding >15% |
| 2012-09 | 2 |  | brokered >10% |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | expense ratio p90 |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | brokered >10%, wholesale funding >15% | expense ratio p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 4 | reserve under noncurrent |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | reserve under noncurrent |
| 2017-03 | 4 | reserve under noncurrent |  |
| 2017-06 | 2 |  | capital falling, reserve under noncurrent |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | deposits shrinking |  |
| 2019-12 | 2 |  | charge-offs p90, deposits shrinking |
| 2020-03 | 1 |  | brokered >10% |
| 2020-06 | 1 | charge-offs p90 | wholesale funding >15% |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58328 (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/24.json (key "58328", 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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