# CAROLINA PREMIER BANK
CHARLOTTE, NC · FDIC certificate 58516 · asset band <$300M · latest filing 2017-09 · 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 | $275.6M | |
| Deposits | $220.8M | |
| Loans and leases | $204.3M | |
| Total equity | $24.9M | |
| Loans / deposits | 91.50% (p78 of band) | 76.19% |
| Liquid assets / assets | 21.74% (p30 of band) | |
| Uninsured deposits / deposits | 29.15% (p90 of band) | 14.99% |
| Brokered deposits | 10.76% | |
| Wholesale funding | 21.28% (p96 of band) | |
| FHLB advances / assets | 10.52% | |
| Tier 1 leverage | 8.47% (p8 of band) | 11.02% |
| Unrealized securities loss / equity | 1.57% (p83 of band) | 0.02% |
| AOCI / equity | 0.94% (p52 of band) | |
| ROA (annualized) | 0.48% (p20 of band) | 0.90% |
| Net interest margin | 3.80% (p55 of band) | 3.71% |
| Efficiency ratio | 80.92% (p76 of band) | |
| Noncurrent loans | 0.69% (p53 of band) | 0.62% |
| Net charge-offs (annualized) | 0.04% (p63 of band) | |
| Reserve coverage of noncurrent | 166.26% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 75.97% (p89 of band) | |
| Auto loans | $72,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 52 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | wholesale funding >15% |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-03 | 2 | brokered >10%, wholesale funding >15% | capital falling, deposits shrinking, assets shrinking |
| 2014-06 | 3 | reserve under noncurrent |  |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 4 | capital falling, deposits shrinking |  |
| 2015-03 | 3 | charge-offs p90 | capital falling, deposits shrinking |
| 2015-06 | 5 | expense ratio p90, reserve under noncurrent, assets shrinking | charge-offs p90 |
| 2015-09 | 2 |  | brokered >10%, wholesale funding >15%, assets shrinking |
| 2015-12 | 6 | brokered >10%, wholesale funding >15%, capital falling, losing money |  |
| 2016-03 | 2 |  | expense ratio p90, brokered >10%, capital falling, losing money |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 1 |  | reserve under noncurrent |
| 2017-06 | 3 | brokered >10%, capital falling |  |
| 2017-09 | 3 |  |  |

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

- 2017-07-21 [Streak of Charlotte bank mergers continues with Carolina Premier deal - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZmJZaEtMWnFtcUM2X2ZCRkZqSkJIbHhaYWc5T0o1cFlJZFVhVFd4amtiQlVyM1g1UzBtVVdyX1FCVkdBZklwTVBGTVZ2aTRmeUJSXzN4T2pZbVRhbkhycXBnOHgwakpIUXRFMWNGNHZ4bl9ZNGlpZWFscHVHTVpNampRUmxMQk9DR0ZCcElMM1BTYjVqdTFSOXd3SEJJWWhhTlZBZW5BdHBwQQ?oc=5) · The Business Journals
- 2013-06-26 [Banking coming back to Six Mile | - Pickens County Courier Newspaper](https://news.google.com/rss/articles/CBMidEFVX3lxTFBDSXZaeDBOYzVqSEJ2c0JLVTd2TG5ma0JZdnJjNFgxTlpmSWRWdkRxcEh4M3JsaUVIbGI2aGJEYWNNc2RKWW1LRHRJeXB6SDZqUXVOZXI5TzFUZk1nZEFfSG54emFyMmlJcUxHNmVIRVlELVU3?oc=5) · Pickens County Courier Newspaper
- 2018-07-02 [Charlotte's losing 'a little bit of the luster.' Just one bank has its HQ here now. - Charlotte Observer](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTld4a3ZDSmRzLVZ0TV91RjYtYU8wLTJWbFU0WldJNWJjTENqcWd5MGRuSkZ5aHBpVUdnYUxQMUFRU0pMYi11UWxFLWZUaHBDLXNVeXI5SDhHYlBFUnJzYWU3NmhBYXUyRFNLQW0wWVFSWkxvQmsxN2N3WmJDOUI5dFpVb9IBgwFBVV95cUxPZHNfTl9xOVdQS1daOVcya0Jwa3NEMkhvbFo0bmFHTzg5TmtKZ0ZNcUQxZGZTekdHXy1BZHVKZ3ZXMkZRVjBxNDVLWFVmLTdtQUxWeUdhZUZ3WWM5d1ZrOWV4SWl5Wm5aczY0b0l2cDl2YTl5QWx5WDlmSkxGRHpyX0Jkcw?oc=5) · Charlotte Observer
- 2017-05-17 [Why Charlotte could soon be headquarters to only 3 banks - WBTV](https://news.google.com/rss/articles/CBMimAFBVV95cUxPT0tlbWY2cHlEa0ZtSzZieUZXYW92T3VuZlVtbG1PZWdIdnBxc0twSWZ1MmVzTzIyMTFGQWI1MXdnMl9Tb1NNWk1ldlRiMGxaMTlGQ3dnS0g4OTE3M0hZUERWZUJRVGpUQ2lYQUxYTDhFUjJRd29ndDlGQVNEaVkwWTZsT2hzZ3dvTTZObHlvdXRzajYtSVUxV9IBqwFBVV95cUxObUJIM3lYNDJWMTVmX0ZKanhaaFJsMTF0QmV3SFVodWQ5RDlFbzFWRVdhUHQ3VkpWakwySEJZQUlqNVo4RmZPcHhkcHlybUR0S0ZhWXdpRU9lTW1xYWJKUGRTYmpJWmdMQzZRX1pZNGV2VkRWQUdud0VwX0VRN1Z4dUxrZXBoLWpScVNBWGp1cUJJRlJsejZjd1pXcGxKREhFTDhWMTBjV3pFQTQ?oc=5) · WBTV
- 2018-01-10 [David Barksdale Joins First Reliance Bank As President Of North Carolina - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxPaGdDUUJsX21kOG1QaHExVGdJeG9WazBkUjFxVVZrY1NvMUlKU00yVFBzcExNZ0k5Y1ZaV0ZHTGhJNzdacTZYUzBIeTV3Nml6QUxCYWwwQTNGNElZc3EwVFZaMFFOR3RZNW5aS1JfRFJPbFdRWTdlcUludkNVbzgwWWdfbUkwbHZzSjM2WmVGX09pVmhZWDJfb25UdHpaNDNQSzJJekU3TjhDVXdWSGtSVHJFd2lYQ2huQ2hyUktBb2NJdTI0eWE4?oc=5) · PR Newswire
- 2021-06-24 [How Charlotte, North Carolina, became the banking hub of the American south - qz.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQUEFHX0llaU5ETFJPZ3N3bW1JSVRUSjVFT1dob2xkaEtTU2Nua3oxVlliTDQzUVlwRE5xUE9oOU1nLVNrQ1lSLWZ0cjVBdThlc2cybjk5UmVSWHFSd0hYQ0FOb3Zib21GUDRxTWJYZi12Z0ZkM3RGbkQ3bTRrRDBHRDRkMVljbE56NjZZWkVB?oc=5) · qz.com
- 2015-03-06 [New CEO: Carolina Premier Bank is 'thirsty for a new vision' - The Business Journals](https://news.google.com/rss/articles/CBMitwFBVV95cUxNY0xzTTJtZ0JXT1NMVVEwZExRUVl5WGJORHg4VV8tZjRVME5udzUxN296TWFOWXFnelM2REoyU0I0Zi1FcnNYM2wwNWZTMVR2Y1lfRWZ3SmUydkdzcngtNXV4S3dwRDhDWXktc2hVRjRSWGhMN3phaXZiMHVpVWFoZFhOdDhVYlVmVDV1WDByNTB4ZjdOOXMwbkdWZXFKa2VuaWFoNC1YOGdfSElNWVZvSnNYZ3VMOFU?oc=5) · The Business Journals
- 2012-12-03 [Four New Members Join Appalachian’s Foundation Board - High Country Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxQS3hEVEpoQ0xiemN6QVQ1TmNGZzZseG1qd1BiZ3pPQlNQZUNzanFBb2RJQmFjeTI2a0xzR1lCODJLTWRLT29RZVpYb3ZMVExxU0h2dWdJMzI2V29ZZEV3aElnUEhvT1ZZcGpHeXZUWUpBY1MtM2UtQk41Q3JiZFFubW5xWWJnTzl4cUc2X3pNX2ctQ25RTVHSAZsBQVVfeXFMTnU3MTJFZ2tfazd0cVMxcDVleUFfWi1VNUp6emc4UjMzNmc2ZVhURVhEUTBWZlJkSmdYeHprQlF3RHFDRUdJcWc4TzRjYUluOFo2U2pON2xXTUUzbE1wMnJZZktXYm9faVN3NmVsMDhEQ2tfVTNsMHpiM3hJN1FCOTZSdGJ0RjRwV183ekpiNDBYMTJmeERkcGhwN3M?oc=5) · High Country Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58516 (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 "58516", 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