# FIRST FLORIDA INTEGRITY BANK
NAPLES, FL · FDIC certificate 58532 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $2.39B | |
| Deposits | $2.05B | |
| Loans and leases | $1.11B | |
| Total equity | $190.3M | |
| Loans / deposits | 53.21% (p12 of band) | 74.28% |
| Liquid assets / assets | 50.06% (p89 of band) | |
| Uninsured deposits / deposits | 32.05% (p49 of band) | 32.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.14% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.85% (p9 of band) | 9.58% |
| Unrealized securities loss / equity | 2.09% (p78 of band) | 0.34% |
| AOCI / equity | -0.25% (p76 of band) | |
| ROA (annualized) | 1.04% (p30 of band) | 1.23% |
| Net interest margin | 2.64% (p17 of band) | 3.24% |
| Efficiency ratio | 50.41% (p21 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.38% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 43.75% (p51 of band) | |
| Auto loans | $56,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 29.2% | |
| Employees | 142 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 | reserve under noncurrent | losing money |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | expense ratio p90 |
| 2013-06 | 0 |  | capital falling, reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | wholesale funding >15%, capital falling, reserve under noncurrent |  |
| 2014-03 | 3 | losing money, expense ratio p90 | wholesale funding >15%, capital falling |
| 2014-06 | 3 | wholesale funding >15% | losing money |
| 2014-09 | 2 |  | expense ratio p90 |
| 2014-12 | 0 |  | reserve under noncurrent, wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 | wholesale funding >15% | capital falling |
| 2016-03 | 3 | construction >100% equity, uninsured deposits leaving |  |
| 2016-06 | 1 |  | wholesale funding >15%, construction >100% equity |
| 2016-09 | 2 | construction >100% equity |  |
| 2016-12 | 2 | wholesale funding >15% | construction >100% equity |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | wholesale funding >15% |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |

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

- 2021-12-20 [First Foundation Bank acquires First Florida Integrity Bank of Naples - Gulfshore Business](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOaWhCN2ZYVjBUekVPa1FkRktTS3pKajY2dWRCb2p4WURoa2ZyTm9vM0ptaXFNYS1wcmdtaFRwNWVoWkU2TlpmTE4xMF94cHMxS1hwb1FEUHR4c2d5VDZUbHoyUXBvamFzdmhRTzlYTExXRzNSTWx0NGZVaUJxRXM3QXFhSXpWSUplOEF6bDM1R0hQQnB6YXlhQnBic3lCNVdxckNMUFdHbDctWlhqSlpROVczM3VyVDFCbHF4WElUSVR5OURXTGxON2dSWVJfNlJFTG9zY1BZZU9KaVRlWkVsNnZfQVVITWpIS3BRYTFmVDc3TU94eWNPeGk4YVdmQQ?oc=5) · Gulfshore Business
- 2021-06-04 [One of the region’s largest community banks sold in $295M deal - Business Observer](https://news.google.com/rss/articles/CBMixAFBVV95cUxQMlNZaEhsUXB6MXFJUWgwZkdOQUVCei1Ua3FhVWNJNktxcEl0VmZ2QnJpSGNkMlNhSFFNbWFOd19OR1RRWmxlaVYtVDRXWFc2bVpZa2IyMHlJNlc1QTgyMVNjNjdicWhqNlUwYkZBRE85OXVjM2hEUEJCeWE4VTNqZ3VOc2xwLUUwM1VvUW5aNGVVZ2JnYUwyOC16eVVYTkR3VHNoNC1sT2lPQU9paFVXOUotb3ozZFRuYmdEOGU3OFpCdS1E?oc=5) · Business Observer
- 2021-06-15 [First Florida Integrity, Collier County's 'cookie bank,' could soon have new owners - Naples Daily News](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTzJQdXpLM2pBS0VvNnJrYS1FaDdZS0Vta3QwOU5FRXRsYzFocGZJaHB2bDQyVHluWnlqOWtoSzQ1VXhFREhXNnRWSTVpVGg4MFM1TDF1NU1LSllMS2tWOTFOMmtBd0IwWkxzQmpPUjBWdUprZFdZa0tHRDFjaXBQZWFHTjI5Ml9EREFqY1ROSlIxQ25hMThCM0dvY3k0WVZJSXpSSEZnUkp4ZnIxWXYzUzBxTXF1eE5xN3Z0MFd6V3J4Rzl4NldiazlRYVAwOUk?oc=5) · Naples Daily News
- 2014-06-23 [First National Bank of Gulf Coast gets new name - The News-Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxOVUVHQ0k5QWgyQjRHckFkMzNkTG5BU3B6SFFnZHgzZVNHWjBDMDAyaUdEN25sY3R1VmlidU9jQlB2TFVNU2Z4TWNWMF84R1dWc28wUjhvQ1JtU25JVzdzMERIeVc4LXU5eEd6Z1hBV2hHb1NBZnRpcVcwcUlKNjVzYjRNRWpPN1dnaHU3YzFQdHdwc09GUGIyNllYdS00bnkyY2djUU1iS0lhd0Z5alE?oc=5) · The News-Press
- 2026-04-06 [All First Foundation branches to operate as Sunflower Bank - Gulfshore Business](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQQV8tUHlWR3JYd0FIX1dRYW9HY2l3Tk9mbVQ5alFBd0d5c2ZNUjRZZDg1Z1BLQ0hZdDlKVENzajRJTUZMOUY5Qmx5cFF5UGVGTXNpQUJjMHpRcEFXZ0dHYlhkUElWamV6dW9QdHFNZWZDWXhhaEVjLXFqMUxCWVluUEdnR2Q3dDg0c3pXVU80UnZWUFYyMGZBd3VrOEJqcVZfcUNsT29vb3J1ZDd4YzdaazI0N3g5QlN6MlR3YWFQc3Bqc0lONUUzWHVDcVpldWxoVWwtbmh3YXBFeElNTXc?oc=5) · Gulfshore Business
- 2022-02-11 [Cheryl Tanenbaum and Philip Nemni promoted to senior VP at Intracoastal Bank - Observer Local News](https://news.google.com/rss/articles/CBMixwFBVV95cUxQODl6czVnOFpPRXRESVpqak9ESE8yWWdmOV9DbFNaZFE1Q040aFpIM0RWLUdZaDZOejdaSkE2dVdGb1R1dVVTc0hEeUNqaVdNekR6SXJZQWo5OVpzM2dsOUJYMnVSZ1ZZVjJvVTJfU041REdlYXFBTzdydVZiSnhISGFQQ3dIVUJ6dWRhcVRzS1hvX3BobktCQjZpb0ZYZzNFWG9lNGtSbEtiSTF1eVBPOU84UXhzY1dUMThQcWg1OC1DbUxuc2Zr?oc=5) · Observer Local News
- 2020-07-15 [Sarasota Charter Review Board District 2: Joseph 'Jody' Hudgins - Your Observer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSDNjeG9sNDVlN283akJudlZKT1VmRVY4R01VU25wcFI4aGpBaFJfb3JrQVUxTzJsWERRS2JISjE3Y1ZncUJsVm9GUXZVRkM3cy1IWjdVdXVtREtuMWtlWmc1ZlBfYmpsLTRUQTdsYWVTYnV1MUFtVG53NU1oOXllTmN2V1ZUbHB0bEZ3cl9mNk5YY2U2X2pHTFJHUVR6WVl1eTZRRzRLMVpfNXc?oc=5) · Your Observer
- 2022-05-19 [Conrad Coghill Obituary - Naples, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVEUyQ1lpeFI0dkxsRkNTaVdIS3FlMjJCaEc3eWcwR1pxQmtSX21NSWxTUDYwV0pYQUJENW55cTF3RUNBMVlxQVJVOGtuem5ZenVVV1ZsOHNCSGpGTW1Cd1dEck1neHVEUmt6dExQZm1tXzFlZmxlcldYZ3RZRlY4VkhR?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58532 (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/36.json (key "58532", 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