# FIRST FLORIDA BANK
DESTIN, FL · FDIC certificate 58370 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $438.2M | |
| Deposits | $372.3M | |
| Loans and leases | $246.4M | |
| Total equity | $55.1M | |
| Loans / deposits | 65.28% (p14 of band) | 85.55% |
| Liquid assets / assets | 41.73% (p88 of band) | |
| Uninsured deposits / deposits | 31.60% (p77 of band) | 22.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.28% (p37 of band) | |
| FHLB advances / assets | 2.28% | |
| Tier 1 leverage | 12.32% (p75 of band) | 10.66% |
| Unrealized securities loss / equity | 1.58% (p63 of band) | 0.93% |
| AOCI / equity | 4.67% (p77 of band) | |
| ROA (annualized) | 1.45% (p74 of band) | 1.13% |
| Net interest margin | 3.70% (p47 of band) | 3.75% |
| Efficiency ratio | 58.40% (p28 of band) | |
| Noncurrent loans | 0.04% (p11 of band) | 0.53% |
| Net charge-offs (annualized) | 0.05% (p66 of band) | |
| Reserve coverage of noncurrent | 3603.19% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 120.71% (p96 of band) | |
| Auto loans | $484,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | construction >100% equity | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | capital falling, reserve under noncurrent |  |
| 2014-12 | 1 |  | capital falling, reserve under noncurrent |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 | capital falling | charge-offs p90 |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |

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

- 2026-02-04 [James Roberts Obituary - Temple Terrace, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZ2pzQWVHR0FISG4wTFhrZlNiaE4zWUFUT3gwZVZHVm52QVd2Nk1STG1KZ0FjaXpWS3Nmdkhvbm1sbjlpRXpvczhZWEdmdU85VlBJTGxVMkJHT1ZZa2xyUzVVSnIzcFQxLUliREFtZmUwVFpEbVBWdzE1dVplUkgtRTc5RHVrQzBhVk5Z?oc=5) · Dignity Memorial
- 2024-02-09 [Mary Esther City Council moves forward on new City Hall location - nwfdailynews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNd2tZN094WDlkdDY2YXl2R3dCNXFFd2Z6MzhMQVRDdW9VWkJkY0MwUW9SaDhVQUk4aURpcDhZbnZZRDRSR2NpWDNRU044OVlaUEdHczF3bGgzSEllNFY2TnlaaFFEZk15Mnd5M3pZVFVCSXhPbHJqTzJhZ1N6Z1VLSXVXSi10WkVFalhyZzBNRGhTeDlpYzMtdzdtYV9qOXB4SnhKSXNrRFl0aU1yMG5GcVVYVHZkdm8tU3hMaHBOMTNGWm03MWZCOTRDemZ2R05fWUk0?oc=5) · nwfdailynews.com
- 2021-02-22 [First Florida Bank (FL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxNak1lNGhsREhGSGtiUnBFYW1YMUs2ZzRscGlwT0VyNFdSRUVmVm9wOUZpY1g3Q184X0V6YlRZZnBtcUtsVXU3WFQ5T254bFVlSk52QWtFdDFsWWxGSXF1czkwdUsxcFMtQWhIRV9idERuWFJmRUoyRjdCVGxuLVhmMHFoLTJtZw?oc=5) · SmartAsset
- 2017-01-24 [Parrish joins First Florida Bank team - The Destin Log](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObVFSWV9qTWg3dElKOGpwQV9Ba1dDME9wT1hEdGxWUGlUTENOWm9qLUItWjg2MUtZYkVBWkFxalZnc0wxRmJaWG5tZ2QyRVJDMmswSVJHcUwyemgzUlNRSUhQZnJrZWRNckNhS1J0TEJrTk1jY0JfOUE4RnJHbXBEUTZXWHRGdWJGUFRURnRNNlFyZmxhcWY5TGZDcDdPdWc1clRjbkhaX1Vmb1E?oc=5) · The Destin Log
- 2024-06-09 [Francis I. duPont, III Obituary Jun 9, 2024 - Quinn-Shalz Funeral Home & Cremation Centre](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBObW44VVJCVVczdElwVkE4MTdraFE4U3JMM1Qzc2NuTHRGV0NYbGdzY2NXRkV6RFgyQjFBRmJIbjRfSXlndlFpX0J6WTNsa2lVSC1ycHVPU3ZqaTlISVJIdVJKQmFHWFFj?oc=5) · Quinn-Shalz Funeral Home & Cremation Centre
- 2024-01-06 [Ursula Ihle Hardy Obituary - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMiaEFVX3lxTE83YTFYNU40Uk9ENUJtNDZXclV2V3B1X0FkTzZSMC1jLVo5UHVpNnU1bmFOdF90dzV6VHRDYy1kVUNMell5VkZkdXFqcm9FcFNTR0pKZlR0WGJzNzU1VnJjYnNyaFQzOXZx?oc=5) · Daytona Beach News-Journal
- 2012-06-27 [Obituary information for Berry Gene Trapnell - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxQeUVuTEVzSFIydDQydUdZRjN3U1I0WVI5LUxNSzdUM0p6MGlONURsRGtnT3Y4Q2d2UG5hZ2hRbzlaNXBEWVVHTm9DV0FneXZ4cnRqN2ExeE01SnNmWVpoTVp3Zno3VGV4X2RIRXdfNmtlS3QxVHQ5SF9Peml2R0FWMQ?oc=5) · Joiner-Anderson Funeral Home
- 2026-01-17 [Thomas Craig Howard Obituary (2026) - Lakeland, FL - Heath Funeral Chapel & Crematory - Lakeland - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNd2NCYUdlY1RDM042V1poeXpTTGkta2hIUVJSY1Bkc1A5XzY3cEVQUnViT19oSDlwMnVpMEFwNTdZWXNYd19CNUpza1RwQUNYSFdKYUh4TjM0YmR4Y2tWcXJjWEJpMm9rR2x3SUtOaXJLdi1lQW5OY0JxSkhPZG1kY3R3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58370 (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/2.json (key "58370", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide