# ONE FLORIDA BANK
ORLANDO, FL · FDIC certificate 58811 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $2.07B | |
| Deposits | $1.82B | |
| Loans and leases | $1.68B | |
| Total equity | $199.3M | |
| Loans / deposits | 91.46% (p64 of band) | 87.10% |
| Liquid assets / assets | 17.98% (p36 of band) | |
| Uninsured deposits / deposits | 45.91% (p85 of band) | 30.76% |
| Brokered deposits | 2.82% | |
| Wholesale funding | 4.52% (p44 of band) | |
| FHLB advances / assets | 1.69% | |
| Tier 1 leverage | 9.93% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | -5.24% (p62 of band) | -7.75% |
| AOCI / equity | -0.19% (p58 of band) | |
| ROA (annualized) | 0.98% (p29 of band) | 1.26% |
| Net interest margin | 3.56% (p40 of band) | 3.70% |
| Efficiency ratio | 62.46% (p62 of band) | |
| Noncurrent loans | 0.17% (p20 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p66 of band) | |
| Reserve coverage of noncurrent | 471.14% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 42.19% (p44 of band) | |
| Auto loans | $103,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 164 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | expense ratio p90 |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 2 | expense ratio p90 | losing money, uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling, expense ratio p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | reserve under noncurrent | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 | noncurrent p90 | capital falling |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 2 |  | noncurrent p90 |
| 2016-12 | 3 | capital falling, construction >100% equity | loans exceed deposits |
| 2017-03 | 4 | loans exceed deposits |  |
| 2017-06 | 4 | liquid assets <10% | capital falling |
| 2017-09 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2017-12 | 3 | charge-offs p90, deposits shrinking, assets shrinking | construction >100% equity, loans exceed deposits |
| 2018-03 | 1 | reserve under noncurrent | charge-offs p90, deposits shrinking, assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 2 | losing money, expense ratio p90 | reserve under noncurrent |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | uninsured deposits >50%, capital falling |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | losing money, expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | uninsured deposits leaving | uninsured deposits >50% |
| 2023-03 | 2 | construction >100% equity |  |
| 2023-06 | 1 |  | construction >100% equity |
| 2023-09 | 2 | construction >100% equity |  |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | capital falling | uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-18 [Hancock Whitney to buy Orlando-area bank for $377.6M - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxNT1lmWGh3cTBZN3RoOHp6OXVCRHB6cVEzY1R6ak5QcFNxajM1NVdKblJnaE92dF9KV2tySzZQOER2VkJpdnRMcEpvbWN4TnBrTjgwWkoxaUtBQWVxRDJEcVRXYnNBMnRleWExLTZrSnlYQkpNR3FVNGRFYUJRZFM1eVJha1I3NDZoNHNXQVp6SHVXRm02aWwxemVIYWd4R0c1RHkw?oc=5) · Banking Dive
- 2026-07-24 [Hancock Whitney sets closing date for $377M acquisition of Orlando's largest bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaFNra2I5VGpMUGVpU0dvamNVWnBSSU5jZ1kwUnBiTGlyV1Q0amFpN0RMX2NhZzFKb0NJVks5TnhnTmVZc1djbngxOTJuazA2a0NhZU04dlJfTldIdEJWX2h4WktiSWIyaW1wSXB1bmthZjJZYUlZc0tUTU80R3BSVGRsbkwtU2FZLUQxWXZXR0RmNXZ0NDdYbjJYaWc4dmtFbmtHb2dJZw?oc=5) · The Business Journals
- 2026-05-15 [Hancock Whitney to Acquire One Florida Bank - Business Wire](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQnZVdzlvNHRpUnJHUjBlZFpITFZ6WDYxV0ZNTXhpWjNjSjVWVXozbGtiUnp5S1hBYm0wLVk2eWhhVHV0QlJiR0otTVpCaUZYallfV2dGbUZYbnhHSXlQMXRpY1lKT2JxMFVZcUJrVUlabWZaUElMdS00eVVESWdaVlJ6LWxranBzY3QxUFI5bmpCRTUybnFuSGRQMVo0VnRvTEE?oc=5) · Business Wire
- 2026-05-16 [Hancock Whitney Bank buys One Florida Bank, moving into the Orlando market - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2024-11-09 [Governor Ron DeSantis Appoints Frederick “Rick” Pullum to the Central Florida Expressway Authority - Office of Governor Ron DeSantis](https://news.google.com/rss/articles/CBMivgFBVV95cUxOaGZtRlU2RUoyZ2F4clV0Mkg5LXV0T0Q3TDZmNXhlR29BZ3VSalZCSWpGUTVmU3lLQ0FPM3NDb0pMM3NQczdYcFgwc2JsMjhxeV9xQWZVMVdHX1l6WU9NbmdPZnNJd0hIT2tEX2EzMHJaSmJYLVBUUWdPQk5pTmQ1UHU4VVVJWElsWkV1a01pODhJVkwtQ045WFMxS0tYT0t2MFAyTjRsVy0xVFhZX0xEVU1rRkdnWHRqdVhfZ29B?oc=5) · Office of Governor Ron DeSantis
- 2026-05-15 [Hancock Whitney inks deal to buy Orlando community bank - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPOXRfSmdmU1pPQ1I5WC1zd0FtUFAwcTREX0VabnVPb2JBbTI4N25MSGxPdWN3dHNueDJCaExoVE9ZQnNTSTJZajRnd1lobFRJSk9SZGxzb2tJZlRWekxlcnNzTjZyUUxWTGlYMlJaNlFaVi1FbjVkV3lja3l5SmdhSTdPLWNhVGpQRE83cGV2bkJzTUs4UlE?oc=5) · American Banker
- 2025-06-27 [Rankin retiring after 44 years - The Apopka Chief Newspaper](https://news.google.com/rss/articles/CBMiakFVX3lxTE5nUzlMQXRjcHJudGZWcnFYRG9EWmZhak9qV0FkVlVzQW1vWVhLeVJpYndCbU81VldUdGhDR3Z3WHg1aHlDaVVqYVphX21vckxoM2NqVjZCSUlNazNhcXhLa0pNeElWeXpzT3c?oc=5) · The Apopka Chief Newspaper
- 2025-08-07 [Frederick “Rick” Pullum | People on the Move - Orlando Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUHFaVGsxajQzRjdXbXROWUVkeXJZRTNQbFNkakZybkhRX3AtdXM5QjVYVmpmcXRYWlVuQ3E4NkpKWVFwVWFmSHVtdkNhV3dvajJ5alhha0xiN0hkSU5IY00yLU9YaXBpdm5QOEprbk9BQlI3YzdSM0FtMGM2M0Jnem1RR3E2T2RQMGhrM1JEOW9iU3A3LUJCaHB3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58811 (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/59.json (key "58811", 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