# PREMIER COMMERCIAL BANK
GREENSBORO, NC · FDIC certificate 58754 · asset band <$300M · latest filing 2014-12 · 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 | $168.7M | |
| Deposits | $130.4M | |
| Loans and leases | $102.8M | |
| Total equity | $17.8M | |
| Loans / deposits | 77.81% (p61 of band) | 71.50% |
| Liquid assets / assets | 37.16% (p57 of band) | |
| Uninsured deposits / deposits | 29.46% (p91 of band) | 13.21% |
| Brokered deposits | 9.32% | |
| Wholesale funding | 21.26% (p97 of band) | |
| FHLB advances / assets | 11.94% | |
| Tier 1 leverage | 9.62% (p35 of band) | 10.45% |
| Unrealized securities loss / equity | -0.76% (p16 of band) | 0.49% |
| AOCI / equity | 3.50% (p69 of band) | |
| ROA (annualized) | 0.05% (p9 of band) | 0.81% |
| Net interest margin | 2.75% (p11 of band) | 3.66% |
| Efficiency ratio | 95.38% (p89 of band) | |
| Noncurrent loans | 0.14% (p23 of band) | 0.76% |
| Net charge-offs (annualized) | 0.05% (p54 of band) | |
| Reserve coverage of noncurrent | 913.10% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 33.17% (p70 of band) | |
| Auto loans | $144,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.2% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2024-04-24 [CoBiz Financial Merges with BOK Financial in $1 Billion Transaction - ColoradoBiz](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTWNXQzZsTlpxUDg4UVczbmI1YjhGVDNTSUdaMVpzSThMaHhYREZhLWJmTEpMdlNRRThXVHJ0NVNOeTZEOVZGbEpNUmNjVFpBYTBoMFFJLTZNckxDNEJJZmU1U3FBeEpwbEtCZjBjemV1MmVyVExZTi1CN1BSSXppYS1oLTJpdWFpSFdtYnEyQ1NvRHR1MVE?oc=5) · ColoradoBiz
- 2015-01-02 [NewBridge Bank a top lender in U.S. Treasury small-business program - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUHNmSm9UVDd2MkRIeVYwRGg1TDVLMXVQb3pWTzdfTmdrNGh5UW0wRnh5QmFCQ0pPMUFTSE1Odk1OYWtRUWFuTVVmRURCa0ZQT1RXYlE4Y3BGN05tNXpHamFpRS1uNVBxMjFfTF95NUFwLVVKNTR5cFIyWTFZOTBBeTJ5TVZETFJPN05zV3NNVFlIQzZYcGV1Tndxb0VaVlFrS0ppWEF3?oc=5) · The Business Journals
- 2014-12-26 [With recession behind them, Triad banks looked to acquire, merge in 2014 - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSTBELUFsZUo4VW9ORFZMdjlRNXZENmgteU5USEVIQjhWSUtQZmFhSGpxZUg3ZXNGV0ZHVWY2MGFZUGF5eGExMGo0N2VQdjF3ekNWajF1ZEtsT1IxZXlIOXNuV2ExZHFiYUg3LXRMSFhrNndSNFp0dTRkM2wxeVBMbkEybXhQYUZfT2RlZjJFd3hkaDNiREZpX1BFZ1ZLcW83LVFDRHNR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58754 (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/2.json (key "58754", 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