# FLORIDA COMMUNITY BANK NA
WESTON, FL · FDIC certificate 58991 · asset band $10-100B · latest filing 2018-12 · 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 | $12.41B | |
| Deposits | $10.89B | |
| Loans and leases | $9.43B | |
| Total equity | $1.28B | |
| Loans / deposits | 86.06% (p37 of band) | 90.59% |
| Liquid assets / assets | 19.66% (p47 of band) | |
| Uninsured deposits / deposits | 32.43% (p44 of band) | 36.51% |
| Brokered deposits | 10.14% | |
| Wholesale funding | 11.58% (p52 of band) | |
| FHLB advances / assets | 1.21% | |
| Tier 1 leverage | 9.55% (p40 of band) | 9.96% |
| Unrealized securities loss / equity | -4.94% (p14 of band) | -2.19% |
| AOCI / equity | -3.93% (p4 of band) | |
| ROA (annualized) | 1.52% (p75 of band) | 1.33% |
| Net interest margin | 3.19% (p27 of band) | 3.62% |
| Efficiency ratio | 37.63% (p15 of band) | |
| Noncurrent loans | 0.36% (p29 of band) | 0.58% |
| Net charge-offs (annualized) | 0.11% (p62 of band) | |
| Reserve coverage of noncurrent | 150.43% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 63.06% (p89 of band) | |
| Auto loans | $547,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $87.8M (7% of equity) (p68 of band) | |
| Deposits YoY | 25.4% | |
| Employees | 712 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 5 | capital falling, expense ratio p90 | NIM <2.5% |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | uninsured deposits leaving | capital falling |
| 2012-06 | 4 |  | uninsured deposits leaving |
| 2012-09 | 3 |  | expense ratio p90 |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking | losing money |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 1 |  | noncurrent p90, capital falling |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 4 | wholesale funding >15%, capital falling |  |
| 2014-09 | 3 |  | noncurrent p90 |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | losing money | capital falling |
| 2015-06 | 4 | loans exceed deposits, expense ratio p90 | losing money |
| 2015-09 | 3 | capital falling | loans exceed deposits, expense ratio p90 |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | reserve under noncurrent |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 2 | wholesale funding >15%, capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | brokered >10% |  |

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

- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2016-07-29 [Power Leaders in Banking & Finance: South Florida's financial heroes - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZmNlbW9oaFh2QS1RcWxFdnp0eDZZZlRVcnNLZzE0VXpfaFhzUkQ2TXRrVnNteVM0dGFmVGN1NzFiazVSa3UxbXpBLTcxcHFiaFFlelhkT1FMU2pxLVFwQTlVUTFFQndGUmZCNUhRUFM4SlJpS3gxV09HNW1lMXhBUTN6Rk5kSFZBODNiS2tWZXBCbnN1V0poanJn?oc=5) · The Business Journals
- 2018-05-31 [Aztec Group Arranges $42 Million Construction Financing for Concord Hospitality’s Marriott Autograph Collection Hotel in West Palm Beach, FL - Hotel Online](https://news.google.com/rss/articles/CBMirgFBVV95cUxQajZqQlVxMjlwbXBpYklIVmpvMGV4eEp6VFhMbmIxUWFqS1pHYmlwT3hpYjFtR1hWOVcydFFvUzY1OU5ael9OYzJ2RTJBUHA3SFJtYlpwSXJoSFg3RUpVcHQ2NGp6QXBnNkJwZ21rdmE3VVFiZHpvaE9PUWdteEtfbVNMbXBJMzRsSFlPd3A4MzliR1EyMGVEWHkyTVU3YXpOTEhFM2pvdzlNbWdjS3c?oc=5) · Hotel Online
- 2017-07-28 [Top bankers drive economy, community and culture - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOWjJnQjgyc2FPMjFZdmRqQlJMcWd6anF3MHhwZXJpQi15YTIzSHNqM0tLd2NJcEdzR3NXbkNBak1oaUJPQVR4aWhjRHZ1TWlmYjBIcWpHWmJRVWtEcWlpY0QtQjhuQy1BZ3k4RWluSG1LSnJrejI5czd4djZOdVBNUzRpbGpXamJEWTdseFotR1B2M05rTkNvVWpFQ1dBcERGRDl3OE5xNWZzMld5UUE?oc=5) · The Business Journals
- 2015-10-30 [MANATEE COUNTY PUBLIC RECORDS - Bradenton Herald](https://news.google.com/rss/articles/CBMiakFVX3lxTE1pSzctaHBZRWYzeWpIbmJsQms1NzFKU0Z2Y2EtYWdKSkJzdHE2cHQtMnM5VzIyTkV6RGNQTmhPRkJtaHhoQ0pORHdwMHQ5U3YtQVJDcWYtRGFuNXZCRHlvVmtUUHFPS2Z2d1HSAWpBVV95cUxOSWFtLXphbmhQeENIbmw3Z1hUNUNYVkpSQ2gyUTljUzBKaVRZdHhUOFRLZm5nYnNGRDFBcERlRUxmcXc3aXBWRXFvZEhxT2ZJRS1sd3E0czY2LVpJNUdoVVg1RW1HNktIT3ZB?oc=5) · Bradenton Herald
- 2017-01-13 [Martin, St. Lucie County public records: Jan. 14, 2017 - Treasure Coast News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPeHdFUk1qY1RZWXA2TWdaR3cyNmRqSXBVRURubVhqYlhSV3pyNllKb05NdW9sUWI0VGNOLUp3RUszbnRxbmR3eFBPeVBnTkVuaGV4Uzd4VDhfVFF2YXdlY0FkWWs1Y1hVMjRsRWdWMERaU1RGQzRCM3dCNjZaTG13RlJUVFJReWJyLVZicWZBU2FPMzdSenpvc2hNQkZadEY0c1JacjhSbmhSY1I5X05QbmlTT2VVQmJzekZRV1JMdDRMUQ?oc=5) · Treasure Coast News
- 2025-12-04 [Palm Beach County Civil Filings – December 03, 2025 - Boca Post](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZVZwU3JkY1NXdXh2V0xhanJycmdBQXlxWHQ4Z24yZ09aZjNPcTZvUWJRRWZ3c1NOaENTRDZmUkJqZDJ5WFZqeWNXd29iRTFKQlJhamdHNFNGVmxTSlhBR3ZWbWM4MmhuVWVqZEt2Nzl5VDQ3cngyUGx0WDBxLTNWaUQwaGIySFJXMk05bmVSZlBVbUk4enlURQ?oc=5) · Boca Post
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58991 (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/47.json (key "58991", 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