# BLUEHARBOR BANK
MOORESVILLE, NC · FDIC certificate 58691 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $628.4M | |
| Deposits | $551.2M | |
| Loans and leases | $537.1M | |
| Total equity | $69.6M | |
| Loans / deposits | 96.52% (p84 of band) | 82.04% |
| Liquid assets / assets | 11.92% (p9 of band) | |
| Uninsured deposits / deposits | 35.17% (p80 of band) | 25.97% |
| Brokered deposits | 8.75% | |
| Wholesale funding | 8.75% (p73 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.78% (p66 of band) | 10.81% |
| Unrealized securities loss / equity | -5.59% (p59 of band) | -8.10% |
| AOCI / equity | -0.11% (p66 of band) | |
| ROA (annualized) | 2.21% (p91 of band) | 1.28% |
| Net interest margin | 4.26% (p70 of band) | 3.91% |
| Efficiency ratio | 33.60% (p2 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 96.45% (p85 of band) | |
| Auto loans | $113,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.8% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 3 |  | assets shrinking, reserve under noncurrent |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | wholesale funding >15% |
| 2014-12 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | brokered >10% |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | loans exceed deposits, capital falling |  |
| 2017-03 | 4 | brokered >10%, wholesale funding >15% |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | loans exceed deposits |
| 2018-03 | 1 |  | capital falling, wholesale funding >15% |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | liquid assets <10% |  |
| 2020-03 | 0 |  | liquid assets <10% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-07-10 [blueharbor bank Reports Second Quarter 2026 Net Income - PR Newswire](https://news.google.com/rss/articles/CBMirwFBVV95cUxQTlp4ZXhnQWZhdnBxcnZhZWI0M05CeXJRU3dtRzRGdlk0QldyTnlqaHBIR0JoQmtSZmVJRDhRNlI0aWVFQk9YVEVHS0RrTkdLRUEyQWJlc202UHZIZ1UxT3liYTc4d25PUEg5SDcxMGZ5NXJKMlBITHlCTTdlMUo0MnlYV0tlUkdxYkNHVTFTdXNlNjNrUURjbWtRbVBVS2J1U2k4YktvTHFjeXdwR2xz?oc=5) · PR Newswire
- 2024-05-28 [Charlotte-area bank eyes Mount Airy for expansion; Fidelity upgrades High Point office - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPOHhocDE0WnFCQnNaMndwLTJQd1ZhZEhTSk5maGdlZHpzanZaNDAzNjdLT1IwOE05ODkwbkg3LWFDaHloZW9faGZ3ek1KSjZQQkVfQVN4aUVUWkptN1lLNEtKbnN5Z1pJWkdmUjBaUzJ0Z2lRUDVUWktfT01xRUZnUGJHbDlsYkZOTjdHakgtNzlhbk9ycHBuVjloTjdZS1NIUk9OSS1R?oc=5) · The Business Journals
- 2023-02-10 [Blueharbor Bank to shutter Huntersville branch on heels of another closure - WSOC TV](https://news.google.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?oc=5) · WSOC TV
- 2025-04-24 [Blueharbor Bk (BLHK) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9JNVpDeHQ1OWVBVzF4Zzd0YTlVdVBLS2gwVXYwUTBxSF9TSFpaWnFzbEdHa3pRTnVMYVRtUWFjcmFTaTI1MV94cncydldTbXFCcXRZ?oc=5) · stocktitan.net
- 2026-07-28 [blueharbor bank Announces Cash Dividend - TradingView](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZlY2SXBwSHRvdVZKcGEzXzdjcDAzQTkwNVRqUEJ4N0QyRUZaTnZxcVppOVRHSlNndlhmRU9XOUVBZnIxcU5fQmtQQk1GdWthbHQwY1dlcV84ZFh0amg3YWJJNDZPbXk5Z29nZlJETVduTkVydjF3LUtwOUF0cC12YUdueUdmSzVOLS1PUldqWG9rLWJocHFjVzVPT1VaYjBwdXc?oc=5) · TradingView
- 2026-03-25 [Blueharbor Bank, F&M Bank and American Bank of the Carolinas make list of top Southeast performers - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYkdWV2lQZGpQNWJNTmZ6Rm1pUGVJSTJTYmRvQVF5UDBTa0RpYWVndjBwWnVtdDNtLU9GeUpNcGZmWnFmUThTOG80UmdVcExXQXpWVUw2TnAzTGt6bGFwbVhWNDhUSmMyM2ZBMFo5TS04SFpyUEJrcFNUOHdJTkVwaEhtaENEeERLQVBpOUVfbG1pdGpueHgxbDRHb3ZqNE90OWNLTTlkc2FWQ1U?oc=5) · The Business Journals
- 2025-07-01 [Local bank CEO takes helm of NC Bankers Association board - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeFlLR0tJU2ZqT1Q1b2pQdWZadFZ6TTItczNSWDBxb0RTY3Q3dHVMUFRCNmFwUGlxcVcxVXo0Q2dDaGdJcXhSRXdzRl9hakhqd3RzcGZKZzJuVTJkOXhEbWFxdWEyUGU1YlV0S3E3WlBkckI5NkdVYmkwNW9wLXR3QTkzdVg5dFJoSHRTSVcwRF8wR2xoRXJsNHBEYVBEVV9JeEJDbE1JaVg?oc=5) · The Business Journals
- 2023-02-09 [Blueharbor Bank to close Huntersville branch not long after shuttering Mooresville location - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMEtUWjF6enhIYjVEcWxwMFRvRHlSYW9KUnE3cXR4ZEhLaUJ1SkF2bFlPU0NWY05WS0VrdzIwZndZaFlJNE0zaWNmRVAwaDFxeWVYcUVvUFp3OERyNlVHY09MZTJ5UHhEQmJ6YmRRdkVaX2hqMVJqNXdDVU9iejRBZGt4NWhJRGg4d3RfVGF3YjJwdHNfcjFMTlhyanQtelpnRkVUNQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58691 (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/3.json (key "58691", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide