# JEFFERSON BANK OF FLORIDA
OLDSMAR, FL · FDIC certificate 58672 · asset band $300M-1B · latest filing 2017-06 · 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 | $316.5M | |
| Deposits | $238.1M | |
| Loans and leases | $243.5M | |
| Total equity | $29.0M | |
| Loans / deposits | 101.31% (p87 of band) | 84.48% |
| Liquid assets / assets | 20.95% (p41 of band) | |
| Uninsured deposits / deposits | 27.72% (p73 of band) | 20.77% |
| Brokered deposits | 5.45% | |
| Wholesale funding | 20.62% (p91 of band) | |
| FHLB advances / assets | 13.27% | |
| Tier 1 leverage | 9.79% (p40 of band) | 10.22% |
| Unrealized securities loss / equity | -4.18% (p3 of band) | 0.17% |
| AOCI / equity | 1.36% (p64 of band) | |
| ROA (annualized) | 0.80% (p36 of band) | 0.94% |
| Net interest margin | 3.58% (p48 of band) | 3.62% |
| Efficiency ratio | 62.34% (p33 of band) | |
| Noncurrent loans | 0.38% (p34 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 245.40% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 122.84% (p96 of band) | |
| Auto loans | $240,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | brokered >10% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | brokered >10%, capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 0 |  | wholesale funding >15%, capital falling |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 1 | capital falling | wholesale funding >15% |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |

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

- 2021-04-08 [Flagship Bank set to open downtown St. Petersburg office - St Pete Catalyst](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOTDNLc3EwYjJSUXpfRHVKeFdia1M1RXN6WG9FNjZQMG9sMHJvS24yeHQteW9sMm5XV2xzaVRwd1g4X0QxczE0Y1NvUDZlYWc5UVF5V0FrUDduaWdpZVFJSXBIZkpKUDg5X2FVQkdiS2YtaEd5NzdaYS1zRER4LXZZcVBwZEZVbmNqMVIw?oc=5) · St Pete Catalyst
- 2017-07-10 [Pasco County investor, community bank backer, in line for millions in pending sales - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRFkxY2hSd05nanptNFFFZ0tLc1NmVmFTVVpzU2huTU5uaWF6SmM5dDVOVzBvUmRldE1WOG1IU3ZqLXZFUngwS0VERlRpRDZuNFlmbnR3NWtCazVKNW54TDhZZm00eld5aFVIbzRGX3ZBclJhazBkZ0RiRzhXMDU5LUVEekpUb3pEQml0c1ZUbnVyQjRqVzFGMVNBTElaUEoyQzAxOURyVQ?oc=5) · The Business Journals
- 2018-09-07 [Georgia man arrested in 2016 Palm Harbor bank robberies - Bay News 9](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUmxELUxyS09KZXdvZk45eTVvWWlYS2FwcDJxVlpCTjRmSUlPcUVQZG1tTUw5MkVmbDdlTmpUODJOMHhuUjd1TXpOZzBKdGRBWURCOFlMcmRaTXJPOHFMc2tVZUMtZXh0aWdtRUtYdGRzYldYZnJVVUlxeXM2bC1kc2ZjQ2IxcXhmWXBIdmNHUk9tNnI1dEhZZHV0MXU0TzJBTVAw?oc=5) · Bay News 9
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2014-12-10 [Sunshine Bank rebrands, looks ahead for next 60 years - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNb3Z0ODhvSUZPeUFQMUxTWjNLNG1hSVZCdXphRm9EQ0o5cXV6bzdZRzNXUUJORnJpdU1tb3hSQTZRSEZGdVlhZHZNa1VXdVVqXzBLYl9WLVlqVzcyVi1WVjVlSGM2NlVEZlZ1VEJkLU13NlU1R1YwWGF5dXVJa0drNnRaS3JCeWF4V1NVZ1gzTzB6Mk9YZFhFZzU4N3BIUERqNWVraUs2UQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58672 (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/48.json (key "58672", 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