# PALM BEACH COMMUNITY BANK
WEST PALM BEACH, FL · FDIC certificate 58763 · asset band $300M-1B · latest filing 2017-09 · 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 | $322.0M | |
| Deposits | $265.2M | |
| Loans and leases | $272.9M | |
| Total equity | $41.4M | |
| Loans / deposits | 102.16% (p89 of band) | 85.45% |
| Liquid assets / assets | 10.56% (p8 of band) | |
| Uninsured deposits / deposits | 17.58% (p35 of band) | 21.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.43% (p41 of band) | |
| FHLB advances / assets | 4.04% | |
| Tier 1 leverage | 12.55% (p83 of band) | 10.27% |
| Unrealized securities loss / equity | 0.77% (p70 of band) | 0.09% |
| AOCI / equity | 0.52% (p39 of band) | |
| ROA (annualized) | 1.13% (p64 of band) | 0.96% |
| Net interest margin | 4.05% (p76 of band) | 3.65% |
| Efficiency ratio | 69.43% (p59 of band) | |
| Noncurrent loans | 1.94% (p89 of band) | 0.60% |
| Net charge-offs (annualized) | 0.22% (p89 of band) | |
| Reserve coverage of noncurrent | 38.66% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 155.88% (p98 of band) | |
| Auto loans | $21,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 | reserve under noncurrent | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 2 | capital falling, construction >100% equity |  |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 2 |  | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans exceed deposits |  |
| 2017-03 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 3 |  | loans exceed deposits |
| 2017-09 | 3 | loans exceed deposits | charge-offs p90 |

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

- 2017-05-05 [Seacoast to buy Palm Beach Community Bank in Florida - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSFh3S1JkQnU4Wnk1enA3NFpkNGdCQVliVHpFUTFfYUhLeXR6elVqZlUzT1RLNVEteEJmSWJUbFNGSUpBS0hfR2ViM0pvTVI5U1R2aUVxVnBMVUQ2UHBXWWgwVTcweTFxMlZEWDRnR2plclVKdnA0Nmx5eE9jWUJ3R1ZPLVpIMjdWa29pcU4tdG9jdw?oc=5) · American Banker
- 2021-03-24 [Document - SEC.gov](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcUpvWVhOMXJqV2NnOFY1WUVUdVNIYlFsZU5CczVobHVleTBMZEVMU2ZHdjJtM0NOc25UajF1eWItVHVGQk5hbDlLSXhGWjJEci0xak5tcGFLeDBqdzJBZm4wOC15ZFlUczlpc3JXSE9adzVpZk1JNkhrUFZIN3dLWUttNEUwTUw3VzVGZGFhT2NMZWVIN09nNkhR?oc=5) · SEC.gov
- 2019-11-20 [Seacoast buys another Palm Beach County bank - The Palm Beach Post](https://news.google.com/rss/articles/CBMisgFBVV95cUxNSjA1NlZ3NWVBNlZWQ1RhTWkyX01hQjV4bnJ4M091V0NfU3g5eThJUjFlRXpHbXFoWXExb2paN3NQT0t1RTFQQ2hJdFVZbTdhRlcybWVBZUttaHZWekF1OWNUUDJkcGhOT19SUGtvdVdmaVJPaXFvejdMdjU4SlZJVHpkTjA0Nm1vSlhydmxCbHF6WkRidmJqNlh1WjRpcDM5WVd6M1BqaEo5Ump6bFExVTl3?oc=5) · The Palm Beach Post
- 2024-04-06 [Seacoast Bank to build new office at existing headquarters on Colorado Avenue in Stuart - Treasure Coast News](https://news.google.com/rss/articles/CBMihgJBVV95cUxOaU9LcjkyQWQzVmRNR29VczRSTXlXN3hpWm4tOWlDMFAyYTRaakF0LWtGVk9EUUZXVUI5SFB1YnEtb2ZMSmVrNkFRYy1DNWlCMkxhakVCLWhuSUhaWHN5cXhEaXk4YVBPaFlXSFp0WXliVUMwWU9pbUFvTUJESDJCWG9vVDI0bGZtN2xIUl92OGpHckJkcDhPR1RZWVR1cmlRcGxHU2dsMUFTUGFZWk9wUk5CZXpmUm5SWVI0RkJTTl8xMjRrcGptVXEwSUZOMEhiV0c2Um5DbHBDTXBad3ZGMGUyckdPbzFZREM1WklsOThVQmZwOTVmT1lFSWRJb2FXcjVNamNn?oc=5) · Treasure Coast News
- 2019-11-20 [South Florida community bank to be acquired for $32M - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxQd0tMajg3NVN2cEo1SXB5YnlJLURxSTl2MS1EVm9XckVacGJwTUsyTF9ZNUVscUMwZm9fd3V5MlpGSC1aOVRfWVAzd29Sd3ZVd0czaDNpdDR1RWM0b1d3aUo2TjNsZGFVajB3ZXhRRkVZYS1LMC1idzI2THVIWFN2M1V0ZzBVeHhYanp6c1cyZ0JyWDAxNF90aFI2WktZSTVteDJXclFSdTRTZW9XaS1jSHpB?oc=5) · The Business Journals
- 2013-04-07 [Palm Beach Community Bank’s CEO takes hands on approach - The Palm Beach Post](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMDFTamVDalpIMUtOcldRYS1mRVNjSl9WbWw3MjAxX3NPM2dxUlJpZXFHSUQtWklzYlhsYU1HYkRwc0hvZXd2ZzN1QXlXY2UxRW1CN294eFkxUmYxbG1OVlZNWHZJUEh2LVpiWDkwWXJBY2JIdXV6UVJ3cTR5cHg4V0IwNXc1QzhUSElZbzNKQllMcDRXWEE?oc=5) · The Palm Beach Post
- 2018-09-19 [Seacoast Bank boosts starting pay to $15 an hour - The Palm Beach Post](https://news.google.com/rss/articles/CBMiowFBVV95cUxOSkx6QnEySFhsckFYbEpLZDZBVUJCbktuVGdmazhNWWpIbXQ2UEc1MmxMOGxaRmZDdkxlclZZTnJZaXM2c1JSTHlVclZwZ25nWkFtb0l0Tm5rVnBxQU1PQlFISE1VQnJxdVZtQzNIYXRTN0t5Q0t6Z1ZzcVBxUTV2eDJJLTlidWFjcjNSV056ZjVnMGhrTWEtdFprOTRqNFBKMTMw?oc=5) · The Palm Beach Post
- 2012-11-16 [Bank ratings improved in second quarter, BauerFinancial says - The Palm Beach Post](https://news.google.com/rss/articles/CBMimwFBVV95cUxPRXBfQ0o4aEJXay1pcWpHc0tzQTJCalpIaFJmQVQ3cFU5aEdBSFR5M3NzcVFwMWFUNmVKR3hBM3BkajZQYzhWQkc4UG4ybjZnSTJxLTlUd0VpRWNBN21VRnd6VkJqdGZSYVhVVTZQTFlWVWNGaWFsOGZxV0Jmb2lKTEpocmgtTEdEeUQ0ZXgwSUtWWWFDbU9XYmlzZw?oc=5) · The Palm Beach Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58763 (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/11.json (key "58763", 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