# CAPITALMARK BANK&TRUST
CHATTANOOGA, TN · FDIC certificate 58507 · asset band $1-10B · latest filing 2015-06 · 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 | $1.05B | |
| Deposits | $910.1M | |
| Loans and leases | $855.2M | |
| Total equity | $100.3M | |
| Loans / deposits | 93.13% (p66 of band) | 86.37% |
| Liquid assets / assets | 15.38% (p22 of band) | |
| Uninsured deposits / deposits | 46.56% (p89 of band) | 24.34% |
| Brokered deposits | 12.56% | |
| Wholesale funding | 15.91% (p76 of band) | |
| FHLB advances / assets | 1.43% | |
| Tier 1 leverage | 9.93% (p52 of band) | 9.78% |
| Unrealized securities loss / equity | -0.36% (p20 of band) | 0.50% |
| AOCI / equity | 0.04% (p79 of band) | |
| ROA (annualized) | 1.02% (p58 of band) | 0.95% |
| Net interest margin | 3.85% (p77 of band) | 3.47% |
| Efficiency ratio | 58.26% (p26 of band) | |
| Noncurrent loans | 0.09% (p7 of band) | 0.76% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 985.86% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 83.65% (p90 of band) | |
| Auto loans | $951,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 23.7% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | wholesale funding >15% |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 2 |  | reserve under noncurrent, capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | capital falling | wholesale funding >15% |
| 2014-06 | 1 | wholesale funding >15% | brokered >10%, capital falling |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 2 | brokered >10%, wholesale funding >15% |  |

## 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=58507 (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/11.json (key "58507", 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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