# MARQUIS BANK
CORAL GABLES, FL · FDIC certificate 58345 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $646.0M | |
| Deposits | $526.8M | |
| Loans and leases | $547.6M | |
| Total equity | $67.4M | |
| Loans / deposits | 103.00% (p91 of band) | 85.34% |
| Liquid assets / assets | 14.80% (p21 of band) | |
| Uninsured deposits / deposits | 44.33% (p92 of band) | 22.41% |
| Brokered deposits | 5.03% | |
| Wholesale funding | 12.77% (p85 of band) | |
| FHLB advances / assets | 7.74% | |
| Tier 1 leverage | 9.77% (p30 of band) | 10.60% |
| Unrealized securities loss / equity | 0.13% (p29 of band) | 0.73% |
| AOCI / equity | 0.44% (p20 of band) | |
| ROA (annualized) | 1.23% (p58 of band) | 1.13% |
| Net interest margin | 3.55% (p38 of band) | 3.74% |
| Efficiency ratio | 55.04% (p19 of band) | |
| Noncurrent loans | 0.02% (p9 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 4616.36% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 31.63% (p42 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 2 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 |  | assets shrinking |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | loans exceed deposits, capital falling |  |
| 2016-03 | 1 |  | loans exceed deposits |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | loans exceed deposits | capital falling |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2017-12 | 3 | loans exceed deposits, wholesale funding >15% | uninsured deposits >50%, run vulnerability |
| 2018-03 | 3 | brokered >10% | loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 2 |  | loans exceed deposits |
| 2019-06 | 1 |  | brokered >10% |
| 2019-09 | 0 |  | wholesale funding >15% |
| 2019-12 | 1 | loans exceed deposits |  |

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

- 2019-08-12 [Professional Holding to buy Marquis Bank in South Florida - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQT2dFUWF1cHBiWnFJYjYtY01aWVUzMS0zQ2R1UHN4MF9pU0RSLU1nTTFzbzNRZl9GZUVkS2ViVHNxV1ZXRWlQRVhKV203bUIwczNRTUtmVGg5RXhWUUxEMm1Pd0wwUVYtN1B0YWVlQkI2RkZlX3E3SFhTRGk0eUFFWC1aNHlEY3pKaTRYZ1M3U0JaMkhuVWJvNQ?oc=5) · American Banker
- 2020-03-27 [Professional Bank completes acquisition of Marquis Bank - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOQURyam9Xemh3OTRGRzJlVGZsRXJSeS04alROQmNSaFBVYmlXRXZaS2d4RVhGMFkwX3g2YVRLbk9hQ0ZCUlFSWHBSMTRMbjZjRzBZRFJqTEsyZ0FZd1NFX01Fd24yZGpWZkVhSndWdURXSHBNdzJNLVhucVd2S2FfcGhSWF9Md2hjczljVndlcVBxOVNlOTBVVV91SWtRWGlMejByVUFiWW96NDM2eGd1WGdR?oc=5) · The Business Journals
- 2020-09-24 [Born in the Great Recession, Professional Bank now maneuvers through the pandemic - Miami Herald](https://news.google.com/rss/articles/CBMif0FVX3lxTE9pbWozYm95LWdtV3Btel9PNWFDaEt6Yk91ekNDYzRkc1NpTHZjSnlHRndzcVFlTHJ0WmowNE5oVnlCN2VWODBPYmRJTUk0Z1VUTUhJZi1NWk05VVE3d3gtSWdBMklVQXNzX0lOY0YtZ0VUZmZWNUVmNTBhV2pZYTTSAX9BVV95cUxNR1ZEWWNPeTNHRE9IVzFTYXpzc0xuN0dWN3Byd010RWoxZjFqWmZtanF6T1FteU1mak1TX0NKdlBIc0d0eFU3eUo4NlM0VlhDNzNxMUJBaE9BNnVMNlJmUlhqWXU0VjFNVEJhdndkSVN6eE13R19nOGlESU9nNGtR?oc=5) · Miami Herald
- 2019-07-15 [Marquis Bank’s Janet Henfield-Green elected treasurer of Greater North Miami Beach Chamber - South Florida Caribbean News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZzZDSlJjMWQwQXE3VW9DMm1qWHIwWXRVVDVPSElUaDFqZ3RNRVdCVEQwZnB0OE4xeGZZLWVydXB3cTQxV3JsOGwyNnBoS0YxbnRySFJyUVFNM1JSM2hrOVNHb3dJWFhlUEVBRS1uaTZKM2RpbG9ocmlTTDR3WVpSaGhMV1pVcDl4Q2YwWFA1QUczZ2ZoNm1idzViQVJrZkZrLWIwanY4dXotc1dP0gGyAUFVX3lxTFBmRkZodVhnbXQybTgxamxZbV9QTVpPRVpqR2JTNTZMN184QVdoUmpFRG41cEMwWFpPNGxSc18wdjF6TjR4aE9NaUhHQ1I5a2FaeUFMeGdoNzQ0NXpETUtGejRsdlllS0VuMGVzRUxNbmlfMWJFb0ZCUTJ2STJLNnlOakExTV9kei1xcGF2R21NSi1sc3ZQbGFHMTdqd09SdHR5Y2ktWmdxQi1qUjNsTGJ4N3c?oc=5) · South Florida Caribbean News
- 2019-08-19 [What Professional Bank hopes to gain with potential Marquis acquisition - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxNd2sxNHBrdHVqZWFpMlpEY1JVTmQtYWpmbzUtaHp5c1ptNDNrcEJoNy04dTBvNVJ2Z1hreDRKQTBZZ1hacS1ybG14eER2TnYzemhMZU9yM29LNllWU0lZMFZna2JqZi1ES3B1TnAwSHFGZ2N3MllRNy1fYWxzMjJnR3JPSUhrQ3F0d1N1T0dxdmxNc1ZSXzhBbkZyR0psWEJSeXlmdE9oT2VmazZRdXlhWA?oc=5) · The Business Journals
- 2017-07-10 [Arrest Made in Brazen Coral Gables Bank Robbery - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZWp1dVVEU3l2Rk1ZNnBSRVBvelhlMFFoRDdDX0s4aHhYMWRwWnF2VjlVNTZsNFBOdzVjN1FfYTVDeVhld3A0dFFtWklvRXVJUzEtakNKMVBESERzS3VVZUZlUTB1eVBOallHRjVFc0N6ZUdWWjdIc1BNcVBFSUpPNDdDbjFZdGI3WnJvbmlHRHR3VkZySWNOSGFURQ?oc=5) · Patch
- 2018-03-14 [Marquis Bank recruits 4 bankers to lead expansion into Broward - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOaktGcjE0aHM2dC1Sa25yeU0xYUc2MTlzcE9sNFp2d3JKdVJPd0xBZmlFSm5QNkZvSTZNcldOSmFkT2wyMG9QUWJGb2VnTHhXNlgtWjdMcjdtd3BuZ1FEWlpuMFFDdGkzaFBUYTdiaHhCQTFMN0oya2tlRkZNY1lFOXczeEkwMmJ4ZUphTExvUF84d3lRYk5RQ04yMnZ2UmoyME1fVnRUVm1HMWN2SjBnbQ?oc=5) · The Business Journals
- 2016-11-15 [Marquis Bank's Javier J. Holtz on his decades in the industry - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOWkd6NXN4dGFreWFQcHhqc1U1M1JnQmZqdTBfdTc1WU9XSU9Eb1lfYXp0X0l5OFozUWVabDIwUlBoVS1falJFN2xqTGU2VnYtQ0FLQzJ2UUhNZ0lpREY1QWNNMUk4X1N5X2NkeldCeFh2emoyMFB4SE5QdXJOcVg2MHdJajBLejVqbHFGQ2QwVFhibmRTTnN0UzB4OWdyejl6QkgwMHF6NDJocXk5T3FvRXB3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58345 (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/41.json (key "58345", 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