# FIRST GREEN BANK
ORLANDO, FL · FDIC certificate 58874 · asset band $300M-1B · latest filing 2018-09 · 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 | $798.7M | |
| Deposits | $665.1M | |
| Loans and leases | $676.1M | |
| Total equity | $82.0M | |
| Loans / deposits | 100.63% (p86 of band) | 86.40% |
| Liquid assets / assets | 10.71% (p9 of band) | |
| Uninsured deposits / deposits | 42.07% (p91 of band) | 21.53% |
| Brokered deposits | 3.28% | |
| Wholesale funding | 9.16% (p68 of band) | |
| FHLB advances / assets | 5.88% | |
| Tier 1 leverage | 10.66% (p53 of band) | 10.49% |
| Unrealized securities loss / equity | -2.38% (p61 of band) | -3.26% |
| AOCI / equity | -0.77% (p73 of band) | |
| ROA (annualized) | 1.36% (p70 of band) | 1.12% |
| Net interest margin | 4.03% (p68 of band) | 3.75% |
| Efficiency ratio | 53.39% (p16 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 68.28% (p72 of band) | |
| Auto loans | $157,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 16.1% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 1 | capital falling | liquid assets <10% |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | brokered >10% |  |
| 2017-09 | 2 | liquid assets <10%, capital falling | brokered >10% |
| 2017-12 | 1 |  | liquid assets <10% |
| 2018-03 | 2 | liquid assets <10% |  |
| 2018-06 | 1 |  | liquid assets <10% |
| 2018-09 | 1 | loans exceed deposits | capital falling |

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

- 2015-06-23 [First Green's 'Regenerative Banking' Reaches Beyond Sustainability - TriplePundit](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSEUzWXVnMmlqczFUdE5FdmJ5bUsxajVzaGpsSzBpOWppNWJGX0N0RzR2bmJab2NCek5zNjUwVUZFWTNTckdmWFRUQUM0MUlKalBlQzdaM09hcjVpRWw4Um9BTTd0MjhjaVVXc0N0NnFNSVlYc2oyaDEyNkJLTGNQTXhkVjRxcVJrc21sVGJCQ1hXeWVJeE96RkFB?oc=5) · TriplePundit
- 2020-10-09 [Values-based Climate First Bank seeks Florida de novo charter - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQWgwT09CYlU2Q1FWaDl2SnV6UUg4dDF0VlRfVUJxMEsxQUt6cWROODAzdVp6Q3cyeWRrVjNWWXhtLTJUOW1IVGNlQkNkR3UzcnVucllsV3Q0ZDBZbXppZHRsSnBtQ1hrVllxc3JkS0pjTUlxdEtFeTByZlVzSklhdldVUnVjVzN5VXhiOWhRUGNlSUJaZlloaWUwTEl4VXNIa1hjVQ?oc=5) · Banking Dive
- 2025-09-26 [Florida Lender Hires Bankers to Target Going Public in Rare Bank IPO - Barron's](https://news.google.com/rss/articles/CBMieEFVX3lxTE0yby1paXE4Z196czlSdXVZa1dBSEo5aGlZbnFTLUtTRk1PZTZnbjFZSjVoNnlfclpubGNib1doU1B5WXczaEVEVjhsencwV0JvaGZncXB5MEtKT0FFSHZRSzJrSnFYbEdPNHdBaXh2V1N4Y0dweUlGdQ?oc=5) · Barron's
- 2020-10-06 [‘Values-based’ Climate First Bank with focus on environment will open in St. Petersburg - St Pete Catalyst](https://news.google.com/rss/articles/CBMisgFBVV95cUxPOW0yMUVUb1ZqSUNPLUhhRTZnUkNDT3NWSEtFOWt4SENkWENvUml6VXdhNzFSLUNhNHpJR1RZZmtfWk45ZVpmRmdkRHdNNU9tOENrX2RvNm85NEFTQkpNbFRhRGhRRi1OeTdSNl8xbXZTUHE3WmVHb0hsdDdRMXNTMGEtcllZcXVZbi1YN1pNZFNfMGJ3X0l6MFA5WkJ4elVMejlyNk4zWFdYb3NTM0p4OEp3?oc=5) · St Pete Catalyst
- 2018-06-20 [Behind the deal: How a major Orlando community bank acquisition was completed in 10 days - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX2k0MDh1NTdjcGpkcEJieG9iX0pBY2F5YXdUV0MyVjdMX3pqU1JkMzBCZ050eUZRR3hDdTNYVG1HT0w3TDR6M2ZDc012eXNoRjExYVhqcnUzVHFacXZJR01vazQ2T243OG80aXZaMWNTUnpoTDR3TS1NOVpidzZLcFMyNlcxZTBmTFB1dVhNY3I2aFVFdTVXQVF2bHc3QjFLdVkxV0JLMEp3Rmc?oc=5) · The Business Journals
- 2021-07-13 [How One Florida Bank Is Embracing the Green Banking Agenda - The Financial Brand](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdXowc3ZjbHpDNUhxdnFxUHg1NzFvUDJfd0dMQlZIQkMxZVR4dy1WcWZIR3ctNzRkWVdYa29Ra0psbTh1eU9mZEc4dy1EMzNReF8wdG1iSUk0cTlfZm9ET0VHRFBsczd1Y1FTRVY5YkdxbFBBWGM0LXYwTUlWVEFyLUpNMzFFT1dpOU5yWG14TE9xNl9VdS0tZWg0NFhtSFNCRHVJenA1b2ZSdVVRZ2ZMcUgzQQ?oc=5) · The Financial Brand
- 2018-06-13 [Mystery solved? Why First Green Bank backed away from weed business - The Palm Beach Post](https://news.google.com/rss/articles/CBMinwFBVV95cUxNMkpSRTN4N2M1SWZTaDVmYjVGYWxNYUZrT09uUGhqOVVIanNTMTVpU2F3MXR5V25yYU9iSlM4cXhRVWtSSWZ0MWwyWDh2c3lBVFdmMnVZT0ZZcHlYR2otZzR6M2FiUWFfMlZlaHZjV25pcEFnZFItd01HWmhIcC0zTTlmUlJLZkNUUmZjME5ha01jTkZKU1hSS3A3eEw1cUE?oc=5) · The Palm Beach Post
- 2018-06-12 [First Green Bank sale to Seacoast could bring layoffs, branch closings - Orlando Sentinel](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNmJGc0tFVVU2YUlOeGk1LVhINHZ6SFhtRnVfMWJNdjNfOVkyT3Z3bUhXX2cxSHJERGRfZE94Sk5Jb0M1TklEMmF2UXBfSzVlVUpUeng2MERObkMwVmpSRTRpUWVXMC1hU3Y3dFNiR0FhVmNOQ0paVllWU1hUN3RpUnpqSWthYU96Y1k3ZE83WEpwVnpWSmllVThEeHI2WVBWTDB2aE5NWVpUMko2c1JBQ09CZw?oc=5) · Orlando Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58874 (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/58.json (key "58874", 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