# FIRST BANK
CLEWISTON, FL · FDIC certificate 9620 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $810.5M | |
| Deposits | $727.3M | |
| Loans and leases | $502.0M | |
| Total equity | $77.5M | |
| Loans / deposits | 67.83% (p21 of band) | 82.04% |
| Liquid assets / assets | 34.43% (p74 of band) | |
| Uninsured deposits / deposits | 41.29% (p89 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.70% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -3.84% (p68 of band) | -8.10% |
| AOCI / equity | -2.85% (p4 of band) | |
| ROA (annualized) | 1.48% (p63 of band) | 1.28% |
| Net interest margin | 4.33% (p74 of band) | 3.91% |
| Efficiency ratio | 55.97% (p33 of band) | |
| Noncurrent loans | 0.31% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 565.89% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 64.03% (p67 of band) | |
| Auto loans | $1.2M (0.23% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 114 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 |  | losing money, charge-offs p90 |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## 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
- 2026-03-09 [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
- 2026-03-24 [Community bank with national ambitions hires new management - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNczFmOG5kNmpoTzZnWmxtdG5fMURrWHh1cEtFT3BRbklCU0tTUW1UTEo1WU1HX3JWWXVyelZSTzVPOFYxc3B4M0dLV0tmRG95ZGY1U3E3UGVxT09FcUVESVhvYkZidU93MkY2QUlvUmpmS3lqUHF4WkVJRDRoY0EwbGZvOWNIRUYzQ0IzV0RSV2J4djhKRzBoVDVhTQ?oc=5) · American Banker
- 2026-01-30 [Climate First Bank Review 2026: Checking, Savings and CDs - NerdWallet](https://news.google.com/rss/articles/CBMibkFVX3lxTFAtNjZYbkF0N3VHWmY1U0lLcUx3T3RoRk5ENnJFR0tWSmJ1cE13RFRYNEx0UV9ZUXdyWkJuNm41My1UakZFY3ZTV2JUb0NVZ0dfdWMtV2lLZlNKRnJVN3JLQ3J2bHFrQUNPRkNlOGlR?oc=5) · NerdWallet
- 2026-04-23 [Seacoast Banking Corporation of Florida Declares Quarterly Dividend on Common Stock and Preferred Stock - Business Wire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPOWUtTGtUbVMzN2U1dF9IZEtIN1NNZFVZcHU1TElNdDVwMFJwTWFEQlRsYzNSVGNqd2hneV84MV8tM18xYnFOVWs4YXpGbzY1M1dHMXhVeVB5UnlRY3BEU3d1X0J0NExiNWhTT0tZMzJoNm9jMlN1c1BuMHp3S0p4QUJPdjRDRFVHLXJqNnpadUxucmJSZkpoZmR5TmJTWFpLejg4aVhVQmxTckFHR19LRVNGbjQwYlBJN1JPS29FblQ2YTZiMEs3N29lc1l0eF8yaEptcHJjWEY2OTl4TGk2R1c3d0V0c2lIVnhKeDZ0b09tdw?oc=5) · Business Wire
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-02-18 [List of failed banks: 2009-2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMifkFVX3lxTE40ajNvNzA5c3FWUjI4aDhNNEtOMGlWZ3F4Y2lBSkMzY3RyNHZwcWVmX3kwUks3ZWE2QUdlUm11bTRXdmw1T3Zhek5SSGZnMGxqcHZ0SjFzMnhqTG1aR1p4dnJLWm4yVUZGeVhldEF0c3Y5b2diWnlUdTZ2NktJZw?oc=5) · Yahoo Finance
- 2026-06-09 [Climate First Bank mulls IPO after raising $67 million in latest round - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNd1Y4UFZDTWVuX2JDcFItR0NvalJZZHlVSFdrcE56ekIxeHdGWnptYlNDY1ZuY3BqRXBRSmFYQWp2OXRzR015a0c3LXVvUzNtT20zQzBwU0xSczB2TFdZN1lxcHdxTEpOMkNhOER5YnFpSllkdjZRUVJPbWdacGJ6bjZGSGZIMmRfRmNBeThwbTlBVHRUY0lzSXR5REl0YVNuNkVr?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9620 (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/20.json (key "9620", 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