# CLIMATE FIRST BANK
SAINT PETERSBURG, FL · FDIC certificate 59257 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.94B | |
| Deposits | $1.55B | |
| Loans and leases | $1.68B | |
| Total equity | $178.3M | |
| Loans / deposits | 107.23% (p94 of band) | 87.10% |
| Liquid assets / assets | 11.37% (p9 of band) | |
| Uninsured deposits / deposits | 26.38% (p34 of band) | 30.76% |
| Brokered deposits | 2.18% | |
| Wholesale funding | 12.69% (p73 of band) | |
| FHLB advances / assets | 10.51% | |
| Tier 1 leverage | 9.66% (p28 of band) | 10.50% |
| Unrealized securities loss / equity | -0.13% (p96 of band) | -7.75% |
| AOCI / equity | -0.01% (p73 of band) | |
| ROA (annualized) | 1.22% (p47 of band) | 1.26% |
| Net interest margin | 3.87% (p60 of band) | 3.70% |
| Efficiency ratio | 51.15% (p26 of band) | |
| Noncurrent loans | 0.12% (p16 of band) | 0.51% |
| Net charge-offs (annualized) | 0.11% (p77 of band) | |
| Reserve coverage of noncurrent | 851.39% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 76.55% (p76 of band) | |
| Auto loans | $398,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.3M (2% of equity) (p78 of band) | |
| Deposits YoY | 53.8% | |
| Employees | 162 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-06 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | capital falling |  |
| 2022-03 | 6 | loans exceed deposits, run vulnerability | NIM <2.5% |
| 2022-06 | 4 |  | loans exceed deposits, run vulnerability |
| 2022-09 | 3 |  | uninsured deposits >50% |
| 2022-12 | 4 | loans exceed deposits |  |
| 2023-03 | 6 | brokered >10%, wholesale funding >15% |  |
| 2023-06 | 3 |  | loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2023-09 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2023-12 | 5 | brokered >10% | loans exceed deposits |
| 2024-03 | 1 |  | losing money, expense ratio p90, wholesale funding >15%, brokered >10% |
| 2024-06 | 2 | liquid assets <10% |  |
| 2024-09 | 0 |  | capital falling, liquid assets <10% |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 1 | capital falling | loans exceed deposits |
| 2025-12 | 1 | loans exceed deposits | capital falling |
| 2026-03 | 0 |  | loans exceed deposits |
| 2026-06 | 1 | loans exceed deposits |  |

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

- 2026-05-28 [Banking Like the Planet Depends On It - Next City](https://news.google.com/rss/articles/CBMifEFVX3lxTE1xWVB1bF9qTTBRekNfNEtRb25Ja2h0Nmw2N1E1d3NaYXlQRXdqQkVLYS12Qm9xcFdYS1JrRWpPWUR5RVVaSHByd2Mwa2Rkd01JbFM0NTBrVV9HVU84OThwbERUemwwR2RNdTdESDFodzJSXzRkWFVvZ29kb0U?oc=5) · Next City
- 2026-07-27 [One bank's pitch to potential depositors: Do well and do good - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQYTVRRGs3U3BUTU11aDVyc0ltTWhaYU9USTZRc1pSMDJ3MGlQTDhoT05FTzdEWUgtZzNlZnctYzBBbEZDZWR6Vkd6M3ZyYlZwMklTR2dSUHFaT2VKWnRqYkJobU5vaXloMWZBaVd2Z3JmdFhCYkx1Qlc3U0FGbF9oa0JnSlp0SzVYWm11V3dQN3MyMVlReU1Db1RYTQ?oc=5) · American Banker
- 2026-07-29 [Climate First Bank Launches New Flagship Consumer Checking Account - Impact Checking - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxQYmlTSG5VRFZvejJOdTlrRFlicWg4SWpzM3ZxMjllTE92Wkt4YXpKNHBLSTN2dnRfdWZaWEVlXzVnYl9aZVM5M1ZZLWZNV3JqcmxSRmRSZHplaVZ1ZjJTR2lzNW5ob0lGX1NtajlsUlZqOFNPZkw3NXRlTWZsNGJnNTBuWnJ1cENrdFRBVzlJTUtPMXVoaEg3WVZLd1NQNjhGY0V3?oc=5) · Yahoo Finance
- 2026-03-09 [Climate First Bank hits $1.6B in assets as solar lending surges 300% - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOOFRiV3J5d19ONkdwcnV6M2ZKeFkyWkp1Tk9SLUR5RkhzVG9CbFpuQWpndHg0UEFJUWhGSVdhcWcxejhjRDctRnB1YkFEQzAxU1k2V2Zjd21WMVlER2ZYYUh1dW5GeU1jc1BoVXhTMW15aWVwdk5WNUc0ZUpVVFFDSU1LM3NDY3JWMzBMRXdUYXlYR1AxSjBKZUZabGwwaTViWV9DT1RMVGo?oc=5) · The Business Journals
- 2026-03-25 [Minnesota bank bolsters C-suite with Climate First alums - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUEl6MHdoVHY2ak1KejdPZFk2YzhTbEZYUWRlR3RQWlhSdURxVEZRS3NwNzdQMVRLSkZjNHUyTzBjbTF0QjIwdUk3di1iT0lTam05RVpFOHY1dm1tTUphSkVka0ZOdTQ1dkNxZ2JjdnRZLXZoSkxKdjlJQk9wOFRtaW4xNjFwUU1HNU9LSmI3NFJRbEpScVhmcWI5M2tkakE?oc=5) · Banking Dive
- 2026-01-30 [Climate First Bank Review 2026: Checking, Savings and CDs - NerdWallet](https://news.google.com/rss/articles/CBMibkFVX3lxTFAtNjZYbkF0N3VHWmY1U0lLcUx3T3RoRk5ENnJFR0tWSmJ1cE13RFRYNEx0UV9ZUXdyWkJuNm41My1UakZFY3ZTV2JUb0NVZ0dfdWMtV2lLZlNKRnJVN3JLQ3J2bHFrQUNPRkNlOGlR?oc=5) · NerdWallet
- 2026-01-02 [Why I think capitalism and mission-driven banking work well together - The Invading Sea](https://news.google.com/rss/articles/CBMiygFBVV95cUxOTlRVWGFiWDNNWWJ4djVDcG9oaFBjcGpRS0UxNHE3YnZsLU44dTdzbXZfQzFLa19jWHBDTGFoSGtLMl9ad0tFUnlfaDF5LTlxUDlwMWlHZmk5Zk1WVzVzeDBNbG1BMWxhUmZDS3loSjJ5NGZoQ2pRYkpGR2lWM3lDdHhXWngxbDBuS1AyNTJfelZld0lDOEVPUXJKbFF1MUNTX0N0a2xWSnU2SGhfSEJoS0tTM05Sal84MjJXa3RzbDl6UDE4VS1ibmtB?oc=5) · The Invading Sea
- 2026-06-16 [Climate First raises $67 million to combine impact retail banking and solar lending - ImpactAlpha](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQd2NZQ0p6aHhCc1pNMUdwQnZlaWlvV2hFdVpLdlI5VThVV0Fuc2p6V0psN0xoVVZEU3pNMVhGc0xTMmsyalpwMUZrUWlDYzhtaEZxLXRxbjV2MmRpQXBzTGRBc2Jpb2FZTDR2ODYxa0FfTm96b21xajhYMWdZcVV4YUpZVjNTVldLLUFsQ19XbkxhbHhjajFWX3E2WEdsVWlyeXh3Zk1ndVlCc3c?oc=5) · ImpactAlpha

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59257 (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/57.json (key "59257", 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