# USAMERIBANK
CLEARWATER, FL · FDIC certificate 58427 · asset band $1-10B · latest filing 2017-12 · 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 | $4.67B | |
| Deposits | $3.57B | |
| Loans and leases | $3.81B | |
| Total equity | $404.6M | |
| Loans / deposits | 105.54% (p88 of band) | 90.29% |
| Liquid assets / assets | 14.53% (p24 of band) | |
| Uninsured deposits / deposits | 35.28% (p71 of band) | 26.14% |
| Brokered deposits | 3.36% | |
| Wholesale funding | 17.80% (p78 of band) | |
| FHLB advances / assets | 14.06% | |
| Tier 1 leverage | 8.64% (p15 of band) | 9.96% |
| Unrealized securities loss / equity | 0.43% (p85 of band) | -0.71% |
| AOCI / equity | 0.58% (p75 of band) | |
| ROA (annualized) | 1.00% (p59 of band) | 0.92% |
| Net interest margin | 3.60% (p55 of band) | 3.55% |
| Efficiency ratio | 55.84% (p28 of band) | |
| Noncurrent loans | 0.63% (p62 of band) | 0.50% |
| Net charge-offs (annualized) | -0.04% (p5 of band) | |
| Reserve coverage of noncurrent | 174.40% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 89.61% (p89 of band) | |
| Auto loans | $413,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 519 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | wholesale funding >15%, capital falling |  |
| 2015-09 | 1 |  | wholesale funding >15% |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, construction >100% equity |  |
| 2016-12 | 1 |  | construction >100% equity |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 2 | loans exceed deposits, wholesale funding >15% |  |

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

- 2017-07-26 [Valley National Bancorp to acquire USAmeriBancorp in $816 million deal - Florida Trend](https://news.google.com/rss/articles/CBMiswFBVV95cUxQVGttVk11MVBUb3BNSm50UDViWXdNdEN4aWhKLWp5bHZ3RzVYUlpjMW85YzJ2dnppekdVdk9oV013T2dfLWxLSGUxZ2k5YlJIYzFCQmVMMklmbHk4TUxzb3NJckIxaHFLNlB2TmQ1MnEzUTJmQ3FWUTRLWWVscE04OWNFQkxHLTNvZjFWZTJuSXVoNjVzZGtodGxRaTNOT2hJWGZJWEp1WmpxSmFnQjBWbHo0SQ?oc=5) · Florida Trend
- 2017-07-27 [What Valley National's deal for USAmeriBank means for Tampa businesses - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZ0Q0azRKSVBmSVJScjU3ZkhBMlNfeUtZcWF1ck9waEptNEhpaFhxeXpkeFE3U09wa0R6QWdBZ2w2Nnd6Z1hjanJkOWYzYmdPNElzdjZoWFlYYXZHOGhpVktDY3M3R3pTVGFnY2VxX1ZhcUkxSXBISWFDTHlzcDlYaldON1JDelZhSGxZOEVxajBWTXVmSmd2T19BRmhaeU9CRXZsSnNYaHFpME0?oc=5) · The Business Journals
- 2017-09-19 [USAmeriBank already has a new owner - Lakeland Ledger](https://news.google.com/rss/articles/CBMiogFBVV95cUxOTDMtMDFITzBPU09EY2R2SVJXTF9qRUdGOFZjZEhTTExjdHlnVTBvdXMxa2JMMUNEWXd3NmR3TzRFOVc3OXdzc3EydzVpMjUxa0RaRHlORC05eU5vSW1NTUZZNUE5eXktSnVnQlNudmRuYTNpTFJ6aE1ZUU9tOEN6M3VNeUE1di1lS2VBSHFuS0hvelFYeGY1SjhMZHE3SUVHbGc?oc=5) · Lakeland Ledger
- 2019-05-30 [Newly formed company will buy Clearwater bank - St Pete Catalyst](https://news.google.com/rss/articles/CBMifkFVX3lxTE5BQ01WdktXanhDRXh2djNmc0JsdTdMcU85bzZBTjJMNHRadHVldjNFT1dsaER6NG55anphb2JXVHF6U3E4VlJJVl9aUW9Ea3JYSVJvX0I0M1ZzX3UwRXV0aWhFcFRSdjJYVEExVEUwYVVSak5JaXRXQ0VwM2lEZw?oc=5) · St Pete Catalyst
- 2018-05-11 [This bank merger is child's play - Business Observer](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOVRWQi1lcmZPRW1FY3dzS2hILUcxSWJxVnRScTUzT21abjA5QzUwWXJNemVrRXIybzFuQ01ncDFzMXlOQ0RFcEdCa2Zxb1R2ZjlnUnotUFk1Nkt6Y0dmWWdLcnZ6YjFxUnVxbGxsMVVUZVEwRVpPVU9takxUTDJvZDA4UU92YzRmOFVJ?oc=5) · Business Observer
- 2017-07-07 [USAmeriBank debuts in Polk County - Lakeland Ledger](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdXk4WWhuWGY0dExGOHJtRHMyR1ZDaVM5aGNISmNSOHVZZXFpVnFiTEtHUzdtc2xyZ1VPR1ZSQThZTnFvTlUwcjVxamtrQnFSNmZGb19leW0tRVJiZmFEcFFSR2c1dXUxb0FFaV9BRFlyTkFkYWtvZzFhbnlFcURHX0FZUERVVnJBdi1aR0VXNU1pWkNleWJObVpubmZvTnJ0SlE?oc=5) · Lakeland Ledger
- 2017-02-15 [This Tampa Bank bank grew faster than any other independent bank in the Class of 2007 - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQQjNoX24wZENqUDFqckhmUVNnbFBFRnNQUHIyRFFaTUw1MHk4b29iMm9zdElESHFZY25OMy1XRVppYjJ1Z1p0V2thZm96VlptTk9wS2dGamlmMHR6NFNCUE5fRDcxR0VYMVhyY3BTZGN0QXExNVhmY1FqLXdZTmpoc0hjZ3lZbWc3ZFA1Ym9JdGc0cURRUUlhMVNGWVJSTUdOSTZaaklRYk8?oc=5) · The Business Journals
- 2016-11-22 [Former ice plant to house Polk's first USAmeriBank - Lakeland Ledger](https://news.google.com/rss/articles/CBMitAFBVV95cUxON25WNUEwSWdlbElmUGNjbkhDM3ZsLWlzMHA5YWtzanRKVUMyZWk0LUs4dzZGMHJnQVRwYUplTWNSV2NqRnZUQURmOGd2WmZKVlRiMVowU3EtcVVYXzE5YUVIOXJHaElqQ3BwNlNmNE9ZOW9VV2RXMUU1ZEtnVDNLQmZRVGIzV3lDcEV5T2lSVXhNSXZaRTV5ZFBQUmcwSXRlOFNIOGNOWEI3djh1YjE5aW9OMXU?oc=5) · Lakeland Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58427 (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/59.json (key "58427", 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