# FLORIDA TRADITIONS BANK
DADE CITY, FL · FDIC certificate 58682 · asset band $300M-1B · latest filing 2014-06 · 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 | $307.3M | |
| Deposits | $272.6M | |
| Loans and leases | $255.6M | |
| Total equity | $30.4M | |
| Loans / deposits | 92.09% (p78 of band) | 79.05% |
| Liquid assets / assets | 9.95% (p4 of band) | |
| Uninsured deposits / deposits | 30.44% (p82 of band) | 18.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.91% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.42% (p35 of band) | 10.01% |
| Unrealized securities loss / equity | 0.13% (p41 of band) | 0.54% |
| AOCI / equity | 0.20% (p17 of band) | |
| ROA (annualized) | 1.25% (p76 of band) | 0.86% |
| Net interest margin | 4.32% (p88 of band) | 3.60% |
| Efficiency ratio | 61.65% (p27 of band) | |
| Noncurrent loans | 0.57% (p30 of band) | 1.03% |
| Net charge-offs (annualized) | 0.20% (p80 of band) | |
| Reserve coverage of noncurrent | 311.91% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 83.92% (p86 of band) | |
| Auto loans | $133,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | liquid assets <10% |  |

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

- 2015-04-03 [New CEO starts at Hillsboro Bank - Plant City Observer](https://news.google.com/rss/articles/CBMickFVX3lxTE5yclliRndxUkdkLWotXy0yNUs1WGxVMmh1eUZKYVluc3h1c3pIS01OMjdjR3JHVEczUDgtNlkyTjJIX1AxdmJRWXR3RlhhU2lIQmNtNzdZMVRpMTFNQ2F4Z2tfTWo1MDBXSE5sZjFOR2N2Zw?oc=5) · Plant City Observer
- 2014-10-22 [Home BancShares names Naples businessman to board - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNM05pN1NpclFLZGFmaUEzWjhfSUk2X1JMbkx1cVlFYVhLdS1vMUcxVEhwMlJuY3VBQ0g5T2t5elVlMFcxQUlwLThFc2hIYVpGYTE2TkRxc3ZpclBvcy1MQ0tvUmpmNUdYQ05GRHNQUkk1ZmQwUjlSV3hWYVJjSjBhelRpVGJSSXROT29jUWNGWngzOHZ1ekV4eHhxUDluMzFQNDc3NUltR1A2eTQ?oc=5) · The Business Journals
- 2017-12-28 [Lakeland Brewing Co. to close after nearly 3 years - Lakeland Ledger](https://news.google.com/rss/articles/CBMitwFBVV95cUxPM3VPc01vV3FuVTRGSVFYcHpScncwWUxUbXEweS1fTXFFOThRdVF6WjUwNXNpY2xzZ1pxa2pkZ3YxaHRFdE02cEFNMVEzX2pKaG9kTHRTSUllZUkyczJtVGtEUWV0WWE3VGxwNlhHaFZXLUNhNG41MEJPcm9mNlFLVTVOVzlPUXB2RG9kSHBmWG1JUGJQY2RpcFJwNnVZZFh2T2E1VUNqLTFabUlVZm9DdlVjNEFXcDg?oc=5) · Lakeland Ledger
- 2013-09-09 [State Capital: Florida's millionaire lawmakers - Florida Trend](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbmZjcVM2VmlGbWthX2lHenFEaERyQW1WUkdFV0xCMW1ROGRRYVB2bEo0Nzd1ZnJraFVjc3ZNT0h2MzV3NzVzRzc3aHFfOVluZENTZnoyQWR4Y2FJd3NLMi1zX3F2T0s4MjUzWTB6SUZocUFMNzNWMVRyaG0tZ2xFR05VRFcxeFVsUGN3dmxRTUNZdw?oc=5) · Florida Trend
- 2013-03-16 [Will Weatherford's fast rise started from humble beginnings - Tampa Bay Times](https://news.google.com/rss/articles/CBMiugFBVV95cUxNVGRNa1drUGNTdm1PTlNzQW9JREl3SDlWUzVQbTJmRUNGa2xqcG03N1Nic1FKbDhLY0xGWU1JM0s2Y0thZDRtVlhESmxWZ0JpVTZhUlZ6WWJPcDV2U3Z0Q1F5NWFxeVVyMzZqTlV0a3pGOU9VdVVmcXB5a3AtSGZwQ2h2M1NnZS1uT1JGV29KOWoyOWM5UGZSUmZGYU1xQUttNUJGMk56QzdycEtBMXdqRWxIT3Z3c0RwTHc?oc=5) · Tampa Bay Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58682 (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/58.json (key "58682", 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