# BROWARD BANK OF COMMERCE
FORT LAUDERDALE, FL · FDIC certificate 58813 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $179.8M | |
| Deposits | $145.0M | |
| Loans and leases | $119.2M | |
| Total equity | $19.9M | |
| Loans / deposits | 80.29% (p67 of band) | 71.36% |
| Liquid assets / assets | 30.35% (p42 of band) | |
| Uninsured deposits / deposits | 33.64% (p95 of band) | 12.72% |
| Brokered deposits | 6.99% | |
| Wholesale funding | 15.05% (p92 of band) | |
| FHLB advances / assets | 8.07% | |
| Tier 1 leverage | 11.80% (p68 of band) | 10.52% |
| Unrealized securities loss / equity | -0.85% (p24 of band) | 0.17% |
| AOCI / equity | 1.43% (p53 of band) | |
| ROA (annualized) | 0.74% (p45 of band) | 0.81% |
| Net interest margin | 4.00% (p70 of band) | 3.65% |
| Efficiency ratio | 59.37% (p18 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.86% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 78.44% (p92 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## 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 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | wholesale funding >15% |  |

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

- 2021-03-18 [Florida banking veteran planning digital-focused de novo - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSjRDMHdfclptb1BwRDdKRzAtVkJpUFFDd1g2ZjJLSUx1THBXOFlrRVF0TWx4ZmtLLXZwM0lvWk1Vek5ZU2ZxUW5yV1dCNUVveG1ETm84bkt1OEgtQTR6NlhNZHQtZmllcDN2M0tCYTd2b1MzSUxEQTFnR1NqdHNwRjln?oc=5) · American Banker
- 2014-03-10 [18 banks get top ratings from BauerFinancial; four get lowest ratings - Miami Herald](https://news.google.com/rss/articles/CBMiYkFVX3lxTE8zaExhYWthM0plR2xPUmZZalM1RkhWWW1UZkJSZ2tZdnpNOW04dk1BeElYRE1RRGtKLVZVczNsVG5nLWhWT3BDSmtxdmh5YUFwZnlLMUF0RG5VV0gwUE11Ynpn0gFiQVVfeXFMTnc3eGdyV2JwQzlNd3VBaEFKcUpVTTlxTGpQX3hoeDBKYXpqTlVDRzctQ0hqLW9yZWhTb0w0LTFVem14ak0zOWhWRk5taXRhQmJSeU10T0JtSHZxVEZDNkVHMUE?oc=5) · Miami Herald
- 2014-08-25 [Stonegate Bank to buy Community Bank of Broward - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSm1zdUVSY3lqQmtFWGVJUHFnZzFoaFpwTVR2YzlYX1ZlMW53SUF1Zk5DTEd6cVhzbDFYZDVCN181LWZQNUlKV0taRTZ2ZlZLU1lIRkVqNFNjcVFZdjlDSmpsRHpEQzFfZTdMM0lWXzlyUXNjOFZmWTUwNWk4OVV4Ym9zRGNsaE5ZWDZzRE9felNmYlh5RGlOczE2ekRYZGh2ZkphOE01RUlnejEwd3c?oc=5) · The Business Journals
- 2025-03-23 [Former Fort Lauderdale mayor joins Locality Bank board - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQTN4ckh2eU45UHJOeDJQN3RPUWJSZDR0QklTT0tyUkxHWWh3Q3NzRFpHdTVXZGFGeUpWdGRXdUItV0c4UWViZjN6bWF1Z3lQdjAwQ1Z6QkJaRE9mTGdvTmFzd1NDSTk0ZHlWMXVadF9ubGhjN1BpLVZwQXdvX0Jab0V5QXJzSmxSMjBocHB0UHdKcHRuWnY2VnFGSTE5dTJqekl1TFVDNllaRXhIZWc?oc=5) · The Business Journals
- 2021-10-26 [He’s one of Broward’s business elite, but his heart is with Special Olympians - New Pelican](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeTB5Y3UxVUVjTkJkcnBNWnFVajhITHpYVmN5VGpQS3pHQ3VVYVdDN0ZScENXNjdKSGwybGVPbFB4Zkt3bGN4S0lSMlh0ZEQ5bG9wcFFUMEtNNG9iNEY2ampOaFdrTGE5anBBY2hpQmkyaHJpVm5GWU5wZUxlbnpFLTRmRVVyRmxUeENBT0l4cTNXSW9iTjNqaEttUzhFRElHRkM3VWdHTWNkbVhYSGVWOA?oc=5) · New Pelican
- 2017-01-23 [Winter Park National Bank files new bank charter application - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcnEzNW1La1cwYmtqdUFQdG1DZERxRFRpNWRIU2Nub2FSN0s4eXhyZng3d20wVFl1QzNrUnNXTVlqbGVFa2YzYUNrOU1GdVJuTEVoVHVPS3RWMUZ3c21IRW85bE56bTVCak1hdXVScHBvMnVUVk1jY1h4dlhNMk9tcDdJT1NyR0xLRkV1X1hFaTBkTWxVd1dKYnNobmRlVWJpNFFGNXBxRWc?oc=5) · The Business Journals
- 2023-02-06 [Banking & Finance Roundup: Locality Bank opens permanent Fort Lauderdale HQ; BankUnited CEO on national lending outlook and more - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTGtpWDcyQ3FiSXJZV21jS3Z0TThtY1VLR2pTdWFfOVRaVU9PM2VfSWd0M2EtMlB5S1FJMUVlTnhuX2dQanBrWlVVMTdWSUR1cllSSm1ERjBEQkJLZWtYQ29RaW1xOC11bGEwOXpsZG5GTlhHb0dPSTRUQXR6T2RXSi1Db09MYmVocE5WNXdCZC1EWHdUVVhlNHBn?oc=5) · The Business Journals
- 2019-12-24 [Here's when South Florida will get its next new community bank - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSHJSUTV0YVVtT0xmeGh6clRiV3E1US1FMTRQczgwZWZGSEJDUTNzbjhGOW1iZTRGTk9RMUprVnpYM2I5dlNQSmk2QjJ5Z2xZb010cXQyenR3MjdOSGhuWHdhZ3M4Y3VCQTl2R3BwTGxFV2pPUkczUjNLa293YmZjNFBLX1dXX212a01WRTF6Ni1ZdUpXcFBaRXp3ckFqR2tWT0x3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58813 (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/61.json (key "58813", 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