# WINTER PARK NATIONAL BANK
WINTER PARK, FL · FDIC certificate 59105 · asset band $300M-1B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $827.3M | |
| Deposits | $771.5M | |
| Loans and leases | $451.5M | |
| Total equity | $53.0M | |
| Loans / deposits | 57.79% (p12 of band) | 81.39% |
| Liquid assets / assets | 43.68% (p85 of band) | |
| Uninsured deposits / deposits | 63.31% (p98 of band) | 25.47% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.54% (p1 of band) | 10.62% |
| Unrealized securities loss / equity | -51.42% (p5 of band) | -9.12% |
| AOCI / equity | 4.05% (p54 of band) | |
| ROA (annualized) | 2.10% (p92 of band) | 1.14% |
| Net interest margin | 2.88% (p13 of band) | 3.68% |
| Efficiency ratio | 39.87% (p4 of band) | |
| Noncurrent loans | 0.57% (p60 of band) | 0.38% |
| Net charge-offs (annualized) | -0.38% (p0 of band) | |
| Reserve coverage of noncurrent | 222.36% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 102.09% (p87 of band) | |
| Auto loans | $238,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.4M (8% of equity) (p96 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-09 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 | capital falling | expense ratio p90, NIM <2.5% |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | losing money |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | NIM <2.5% |  |
| 2022-03 | 5 | leverage <7%, securities losses >30% of equity |  |
| 2022-06 | 6 | construction >100% equity |  |
| 2022-09 | 5 | AOCI drag >20% of equity | capital falling, NIM <2.5% |
| 2022-12 | 7 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 |  | leverage <7%, AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 4 | leverage <7% | assets shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | construction >100% equity |
| 2024-03 | 6 | capital falling, NIM <2.5%, construction >100% equity |  |
| 2024-06 | 4 |  | capital falling, NIM <2.5% |
| 2024-09 | 4 |  |  |
| 2024-12 | 6 | capital falling, charge-offs p90 |  |
| 2025-03 | 4 |  | capital falling, charge-offs p90 |
| 2025-06 | 3 |  | leverage <7% |
| 2025-09 | 3 |  |  |

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

- 2025-11-03 [DFCU Financial Completes Winter Park National Bank Acquisition and Expands Presence Across Central Florida - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSEh1dTBWNzVNWk03dm9pOGZBbHhzTC1rVUltUGlYTHM1Wm1ieVVoT1RtUFpJazdoLU5OOVRibEJ2YzBob0RDN2F0SFdNaVZjQXFXLXRBNWJVWHZ1Sl9vdi1ia3R6cWJYSWVad1lKWmZOZUJuSHdTTHVNblRpREtxb0dPOGM5ZUcwU2c?oc=5) · Yahoo Finance
- 2026-06-29 [Central Florida's first new community bank in nearly a decade wins charter after raising $43M - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVi1OVEVmMXM0T2paWl9tV0hydkpjOFZOenNLT3k5SnFFMzlrQ2tqS1YwOVIyUl82Q01nU1JqQVEtVXdiTzliZHRHMVRuQTd2NU1rRW1NQmJIQ2c0aGNhb3ZDVmRIMnZvM2Uzc1lzVnNmdUxtS2xERWVBY09WVllnN3IzRnJ2ampOTC1PZ1VDSHdiQkZ2NlF0R21GRmtDc0RkSkU2cDlHMnk?oc=5) · The Business Journals
- 2023-08-29 [ Winter Park National Bank Celebrates Six Years - the32789](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQ3d6bU5rb2xEcEUzYktuUmRvdTNPbkFlRTFyTVRPTndZQkd1dVJCTkZEX2dDdnY4TGg2eENSa3FwUGZpTFhzZkNzalpQOUw3TkZRR3U4ZHo5NzAxWTNwN0h1Z3MxOHdacklXdHIyS05Yck54TWRUSGYtM2lPN01ZaDYwSnlnU0NqZnlJODd6TGw0UdIBmgFBVV95cUxPWDRVeXZiS2FvdWwxWHNqN2pud1VQUzNJZGF3cGNra1ZOWmxQNW9DUnpkeTc3eFpaTVRTYlpHT3lSVVhLLWQteHZZSENBUU9kWUwyc0Q3R1lFSG0tdVZBaGNsN0U0QVFrdG8zSW9hR1h0UWhqZGsydjZBY1NtVmtZOVhTUHZ2TlRnREJxaEZ3bndmd1ItOVZENFB3?oc=5) · the32789
- 2024-11-11 [Michigan credit union’s deal for Florida bank extends M&A record - Banking Dive](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPd1N5UVBkTW81S0lueGJfSFN4QTNYeHZKRE5jTzdHQ2JNSFVoWUtmbkdTQ2JvalBGa2lVT3ctVlc3U3gyT21MeWlxZTdCM2xDUElOQ0RHdXAyNzlDODM1TXRJaVJ3RDhtUnhqdi04MHhqOVlKUHJwMDlub1REX3dQdUVWSUU5TTl3OXFxTTE2QXlSMlAyLWdPb3dOU0xBdW1OU21jQ0xvQnNscWJhVXF3S0wtT1l4azE5czBSbTF0YW9RSzNGLVFSQTA5MjlPVWZoeWl2XzRrTzQ?oc=5) · Banking Dive
- 2025-11-11 [City National Bank of Florida names new Orlando market president - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPNlY0S05aT2dHUlJsZDJvZ3YxeHlYd3BiV18wS3FPVXhMZFVXZzBQSzRGSTJkTVVTVUdGckt3bnF5ZXFhQ2ZJd2lEU2VVTnp3SHVEeFZvS2Z1RTFFcVROZW85NC1JMzBZT3gxd01xZnZ1a1EtNms5ckpsMWJvUjB1WFFDbnpQOHlnZTBIVWdPYU5Oc1QtZEtqTXNpelpEQzd2bmc?oc=5) · The Business Journals
- 2025-07-11 [Snapped Up - Florida Trend](https://news.google.com/rss/articles/CBMibEFVX3lxTE5PMTNDVmhsVWRmU01lcG40c2Q1S0VIQ1B2SjFWazB1Y0J4bF9RV00wMHN1VHRZNlRESTM0UGdTWVJjSU5jVXZKZzJRTmk1WG5GU2FvczdsTTZha0RnbUVrRl8wZFJEVkRfcEtFcQ?oc=5) · Florida Trend
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2024-11-15 [WPNB Acquired by Michigan-based Credit Union - the32789](https://news.google.com/rss/articles/CBMigwFBVV95cUxPa0ZKdGF1QlNORHhScHZDX0owc0YycTBkV1ZROExuUnhpejFfYlJ4eHZ4dVBpWXF3dUJ0Ri16M19MdVUtN2RieTJ6SWtPWjVrbEJ2YjJlcWdCblJNSnczUHM5aGh0WnpjWFZEcnlfclpWVUxBYVBoeXUzQkJ1SXRZMzBPNNIBiwFBVV95cUxQTlhiRmhKMFJ5UWZKd0tGVlNaRl9WeFQ1c2E5NG1NYnhIVndwbHIzR1k4Ui1vV1dxeElhMmh3eFRiamxXSEQ0d190VERubkZ4QmtaZTNRbFNOY3R3aXJDOWt6U3VTUXIxSUlJTDhqMy1SaDNYZGZRZTFYbE16TnB2UEQza05EdjFveU9B?oc=5) · the32789

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59105 (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/33.json (key "59105", 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