# FINEMARK NATIONAL BANK&TRUST
FORT MYERS, FL · FDIC certificate 58486 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $3.93B | |
| Deposits | $3.12B | |
| Loans and leases | $2.72B | |
| Total equity | $379.4M | |
| Loans / deposits | 86.42% (p50 of band) | 86.41% |
| Liquid assets / assets | 26.76% (p69 of band) | |
| Uninsured deposits / deposits | 30.44% (p48 of band) | 31.00% |
| Brokered deposits | 18.07% | |
| Wholesale funding | 28.58% (p95 of band) | |
| FHLB advances / assets | 8.91% | |
| Tier 1 leverage | 10.42% (p52 of band) | 10.37% |
| Unrealized securities loss / equity | -7.01% (p52 of band) | -7.29% |
| AOCI / equity | 4.90% (p70 of band) | |
| ROA (annualized) | 0.38% (p7 of band) | 1.12% |
| Net interest margin | 1.98% (p3 of band) | 3.59% |
| Efficiency ratio | 85.21% (p95 of band) | |
| Noncurrent loans | 0.04% (p8 of band) | 0.50% |
| Net charge-offs (annualized) | 0.01% (p25 of band) | |
| Reserve coverage of noncurrent | 2317.56% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 49.47% (p52 of band) | |
| Auto loans | $1.3M (0.05% of loans; DQ 4.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 300 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | uninsured deposits >50%, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | uninsured deposits >50%, reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | NIM <2.5% |
| 2012-06 | 3 | wholesale funding >15% |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 1 |  | expense ratio p90 |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 | uninsured deposits >50% | wholesale funding >15% |
| 2014-03 | 1 | capital falling | uninsured deposits >50% |
| 2014-06 | 1 | uninsured deposits >50% | capital falling |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | run vulnerability, construction >100% equity |  |
| 2017-09 | 1 |  | uninsured deposits >50%, capital falling, run vulnerability |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 0 |  | construction >100% equity, capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | wholesale funding >15%, NIM <2.5% |  |
| 2020-06 | 0 |  | wholesale funding >15%, NIM <2.5% |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | wholesale funding >15%, expense ratio p90, construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 7 | capital falling, deposits shrinking |  |
| 2023-09 | 8 | uninsured deposits leaving |  |
| 2023-12 | 5 |  | securities losses >30% of equity, construction >100% equity, deposits shrinking |
| 2024-03 | 3 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | wholesale funding >15% |
| 2025-03 | 2 | assets shrinking | expense ratio p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 6 | brokered >10%, wholesale funding >15%, expense ratio p90, deposits shrinking, uninsured deposits leaving | assets shrinking |

## 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=58486 (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/54.json (key "58486", 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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