# CALUSA BANK
PUNTA GORDA, FL · FDIC certificate 58512 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $167.3M | |
| Deposits | $133.0M | |
| Loans and leases | $114.5M | |
| Total equity | $17.2M | |
| Loans / deposits | 85.43% (p71 of band) | 73.61% |
| Liquid assets / assets | 21.62% (p26 of band) | |
| Uninsured deposits / deposits | 18.19% (p69 of band) | 13.65% |
| Brokered deposits | 2.20% | |
| Wholesale funding | 12.07% (p87 of band) | |
| FHLB advances / assets | 9.86% | |
| Tier 1 leverage | 9.28% (p24 of band) | 10.70% |
| Unrealized securities loss / equity | 0.44% (p40 of band) | 0.86% |
| AOCI / equity | 0.40% (p68 of band) | |
| ROA (annualized) | 0.05% (p7 of band) | 0.84% |
| Net interest margin | 3.66% (p51 of band) | 3.64% |
| Efficiency ratio | 93.22% (p89 of band) | |
| Noncurrent loans | 2.11% (p81 of band) | 0.69% |
| Net charge-offs (annualized) | 0.65% (p97 of band) | |
| Reserve coverage of noncurrent | 36.84% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 62.65% (p86 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 | deposits shrinking | charge-offs p90 |
| 2013-09 | 1 | reserve under noncurrent | deposits shrinking |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | noncurrent p90 | capital falling |
| 2014-09 | 1 |  | noncurrent p90 |
| 2014-12 | 4 | wholesale funding >15%, charge-offs p90, loans-to-lenders >50% equity |  |
| 2015-03 | 1 |  | wholesale funding >15%, charge-offs p90, loans-to-lenders >50% equity |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | charge-offs p90 |  |

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

- 2019-09-25 [Credit unions go shopping - Florida Trend](https://news.google.com/rss/articles/CBMieEFVX3lxTE5mNFNVV3FpcDI0QWxrQThHSU5PUC1rakxIY2gzOFhHV1V6ME8tS3JjMjhoaDl5TjV5bkoyZnFuMmlQamgzODR5dHJRXzJJYnNOZkdEQlhNREV2eXRvaXo5VFNMRlk0NFBkUU96RXk5a3J6ZlNudk9KQg?oc=5) · Florida Trend
- 2015-05-05 [Achieva CU To Merge In Bank - cutoday.info](https://news.google.com/rss/articles/CBMickFVX3lxTE8xRGwzRUFmcTZ5TmZOeU54b2ZjeGI2VkZIV3IyX3ZKdjVrUHVfdG4tZTc5T3lBNnhIUGZJVVAwV29rUzM1enhkQ0E3UHVLcUFjNnAyd2lxdUU2bjJ3WVdpaGZWX0FENExyZG1EdXlmdWNrUQ?oc=5) · cutoday.info
- 2018-04-13 [New bank with old name headed to Port Charlotte - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxOVEVzdmt5dlJUbl9hd014b01paWRlaVNuT3d0VzN6Z3dydFNrNnV2WmxZQnhYbzhaMnNjZWI0cWp4bHUxU1BSYkgzU3ZQaVJVS2ZsbncwOFN6bDVkTjhyenI5RmFma25iQ1RJaEhuTmR1QndtMVhna1lLTWJocXd1cUFuVWJVcXlXUGNycFlkNDJ5UThiMzFfME1lUU4wOEpwWWdBQlI0LTZVNTBITHpYN0gzeGE2Q1U?oc=5) · Sarasota Herald-Tribune
- 2018-05-04 [Michigan credit union completes purchase of Florida bank - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPNlhWUGtNWjJaaEF4US1XQmFuYnJNNk9mWEllYzBkdU9VekxzTElsX3l6cnpxdl9HTE1lVG5Damx6a1NjVmc3RHIxdVltVy1USDNlN3cycUlSN3dDcXZxenV3WVQ0Y2pTWGk5RGRqcmVlb3VfVkVMRXYwcmwtSHJLX2hqMzNZRjhFTk0zVDRQSF9uWC1CVkFVSE50RUJLb28xQ3R2MWF3bk1WVlg3akltbXpMU3NnWEttMnJpU2NfUEVrMXZ3SUk4eXI2ZHNhME1wS0llWUxUZHFxbE0?oc=5) · Sarasota Herald-Tribune
- 2019-12-09 [Suncoast Credit Union hooks biggest bank deal - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiswFBVV95cUxORktqZGdFTFdDRjFuX3duWjRjbldjSlE0bUhSYnVSSDBJd3VBZThZOHVnNWlybEdLeTRHenFlc3lfOXk2cGNQbFBOZjhYOG5HVzNLdlMzTVJEa1lUcWdYTTFnbmd2YURtRzk4bXM3bC1qX0F4WlZUQlVraXlYS19wVU5KWDMwSDJfQ1Q3Rmp6VXRaRUhLVHJ2eG0yejh5bTJDTENqdG94cTlxb1lMSDFyWDBWWQ?oc=5) · Sarasota Herald-Tribune
- 2018-10-01 [Banking on a rebirth - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQRWRSeUpmMmhWbi04aDV5OWc2ZGEwSm5oMFZTc3JtTEN5bnhHNzJ5NGJ2YjRRLXFpVGxoUEFtUHBGeWxZV2EwWkN6REk3ajNMX2htV1FIR3VUN2NhVDBNaG5pUW5yN21kakxaZV9rODhudWVuMC02US1uUjJMWjFJYlRObmVUV2wyU0U1MGpJUjRKOW8xSWIyTEh5VTB4aml6d3dOYjFCWXAxSUdRSC0wT3B3S21IVFEydTQzOElZYlk0czhTOWtnOXkxWHZERVhkc05ORQ?oc=5) · Sarasota Herald-Tribune
- 2015-12-13 [Credit union first in state to buy a commercial lender - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOM21vaC1DVXl2RG5ubXhQdkttMF9peUtUdmF4STFSQVJlVXdTamNoMEhuVGl1cFlFRWh6WktBbDVDUkJJeG1EQ2pQRkpvMVZRU1hwSVhWVVlaaFlHZlNzN0FJOUstSExDcGhpaUhEOVJScnI3Q2RBWFJZNnI3TFI3NXFrZkNtMFdxT0pHMlVXVE5MUjE1cy0zZU82TEtNZXF3WVdQSXAyRnVHVFNYcWNxN2FyMjVIYzVGNHlPd3RoeTk?oc=5) · Sarasota Herald-Tribune
- 2018-02-14 [Achieva Credit Union buys second bank - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMjZ4Rkt4UGhCOFdObXk4S1FSYmtfV2hiTG5UTEo5MHVMUWhRWUVSRWVjdmRLS19IcWZBajEzYWJyU2trWjJod0Q3YzRZR0NESWQxTUZILUljcW1fSHFIbmIyVDRlRE5kVTlKTDdKSWpKN3FMY2FNN2JiVFBPbTczeGx4SWZRN3hSYUZMYkxmNWIwSTdKLXptS2tPNnZsTVNmdFQwOWpacnN4Zw?oc=5) · Sarasota Herald-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58512 (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/16.json (key "58512", 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