# SUNSHINE COMMUNITY BANK
TALLAHASSEE, FL · FDIC certificate 58452 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $213.1M | |
| Deposits | $154.2M | |
| Loans and leases | $173.1M | |
| Total equity | $19.2M | |
| Loans / deposits | 111.53% (p97 of band) | 75.02% |
| Liquid assets / assets | 13.41% (p11 of band) | |
| Uninsured deposits / deposits | 6.47% (p12 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.95% (p94 of band) | |
| FHLB advances / assets | 17.95% | |
| Tier 1 leverage | 9.00% (p15 of band) | 11.04% |
| Unrealized securities loss / equity | -2.02% (p52 of band) | -2.21% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | 0.52% (p22 of band) | 0.95% |
| Net interest margin | 3.99% (p66 of band) | 3.73% |
| Efficiency ratio | 83.73% (p80 of band) | |
| Noncurrent loans | 1.57% (p77 of band) | 0.60% |
| Net charge-offs (annualized) | 0.13% (p88 of band) | |
| Reserve coverage of noncurrent | 39.45% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 36.95% (p71 of band) | |
| Auto loans | $3.4M (1.96% of loans; DQ 0.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | securities losses >30% of equity |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | losing money |  |
| 2012-03 | 5 | capital falling, deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2012-06 | 4 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 1 |  | losing money, charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2014-06 | 4 |  | charge-offs p90 |
| 2014-09 | 3 |  | losing money |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 3 | losing money |  |
| 2015-06 | 2 | charge-offs p90 | expense ratio p90, losing money |
| 2015-09 | 4 | losing money, expense ratio p90 |  |
| 2015-12 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2016-03 | 4 | capital falling | uninsured deposits leaving |
| 2016-06 | 2 |  | losing money, capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 3 | loans exceed deposits |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | wholesale funding >15%, losing money | capital falling |
| 2018-03 | 3 |  | losing money |

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

- 2024-09-25 [Mississippi bank completes purchase of Florida bank for $32M - The Mississippi Link](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSG05YzR3enAxX0QtQXg5TnZsT05weVU1bjdsWEtwMjg3dHhtV0ROVG4xcERSOHdObzdFdVJJb2ZpaGpJYWhnZlZXOFRrSVhHMXEtVUpweEtGOHNNZmM3dWVsSmFJRDRjNUpwcTRMb3pvQWwtMGdvQkJNQk9PczFfa3k2SW5hSk5lN09pRG0zTjNWNXNtRGZJNmtjNlBzRVZCYkE?oc=5) · The Mississippi Link
- 2018-07-26 [Mississippi Bank To Buy North Florida Bank For $80 Million - Biz New Orleans](https://news.google.com/rss/articles/CBMijAFBVV95cUxQejZ0STZQazVPV0xBdXFMQXVLUHRpLWZabk1SNHQ2bjVjUThhc3g4MGNIRFRoQWFaUzktY3puZkk1VW80bUFsN1g1NUo5aUZfQ2lNMDRkcnluX2VnaDJhYTZGTkVBUWJDNlZLd1UtekQ4a3Bmd2R1MTdhVnJPVTF3OU9ob3BrRTQ5SC12RQ?oc=5) · Biz New Orleans
- 2018-07-26 [FMB Banking Corporation merges with The First Bancshares in $80M deal - Tallahassee Democrat](https://news.google.com/rss/articles/CBMipwFBVV95cUxNSUF0R0N3aWZLQVp3TnFBVG1pQmRoeWlQVHFKcmRLRXljSEdxQVoxWVF4U0tKaHJCaUpUanZDamxvQmdrSzhkQlpnaml6OWU2TDFsMDI4cGtBWGp4VUJqV2VPWkZjb3dNWEZkYXFJUmI0WnpFVU1rMEJObTFfbzVEMzVfVUJHcVI3M0hqLVBRMGNBLVRVc3FYVUtHaC05cDR6WTd5LUtBVQ?oc=5) · Tallahassee Democrat
- 2018-04-03 [Tallahassee State Bank becomes Synovus Bank - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQcVdnTkQ3N1lfYUl3bFFRN1d0elpvV0ZPeF9mNHktMEpvakxpX0pkcG9KNGxYMUZRMzQxbHkwZVNNdDM3RXZhcmxXamk4UVZPNTF3MmQ4dVI1RGllNUhHNVVRd3ZuUVplZlgwb0RtRDRDUmxZX1lBbXhFOEdRZlZQdXFyM09DeEpaRnVoa0VjU1BCYTRxdXNGMDNiRDJQSURNN2s1Y2xMT08?oc=5) · Tallahassee Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58452 (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/20.json (key "58452", 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