# BANK OF HANCOCK COUNTY
SPARTA, GA · FDIC certificate 10057 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $85.2M | |
| Deposits | $71.4M | |
| Loans and leases | $17.5M | |
| Total equity | $13.7M | |
| Loans / deposits | 23.53% (p6 of band) | 73.59% |
| Liquid assets / assets | 77.19% (p95 of band) | |
| Uninsured deposits / deposits | 7.14% (p7 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.15% (p90 of band) | 11.76% |
| Unrealized securities loss / equity | -37.10% (p10 of band) | -6.57% |
| AOCI / equity | -0.53% (p43 of band) | |
| ROA (annualized) | 0.46% (p16 of band) | 1.17% |
| Net interest margin | 3.42% (p26 of band) | 3.93% |
| Efficiency ratio | 87.27% (p87 of band) | |
| Noncurrent loans | 0.82% (p66 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 474.31% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 3.60% (p26 of band) | |
| Auto loans | $1.5M (8.44% of loans; DQ 1.63%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2023-05-23 [Police: Sparta man robs Hancock County bank at knifepoint - WGXA](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5FOGFOZmpaSXV1WUhydll3MXppeGNHNWlBR1JDTWNwamJna1A1VW11OWNfbndzLWQ5WUcxenZBdjZhVjhZV3Q4TFRwaTdjVUkwMTdaYkpoT0U3dHdya2h6Z2RfZw?oc=5) · WGXA
- 2023-05-23 [Hancock County man arrested, charged after bank robbery attempt - 13WMAZ](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOU3pQdjlHd09lM2syU0tCOEctdktTUGJvcXkyU0ctWWFhQmFpNGZvbmlocWg1S1lsUS1FQ2hyUGcyWlVHVGt3UF9nTVEzSFExMjF4ZWt2aXNGTm4xeG5zNnlDREdGeHhfdjI4TVQxOE05cURIRkxBMVVlQldpTy1iVGc0Wk0taVVvMzFDSFozVmZ3enNPak5GbjljOS1Za1Q4MGI1OWhkeVFRc2toYkwxNkFJUmQxeHdqMG1lY3o5S0h1V0xxTHlvVHRqU2JBekljeE5wNnBQTy1IektMdFVB?oc=5) · 13WMAZ
- 2020-02-06 [Obituary for Samuel H. "Sam" Hollis, Jr - McCommons Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE10WXdCa0JWNjdvR1pHbi1lYzMxaFpPMVVUSG1XYVRVU2phSlNobHhldkluZ0RhNHZCT0hZb1RZdmpEaDFBQllZRUlIVGVmX1dPN1kyTmpqVEt0NjZkOEk5dXJKMDF5SjI0cFBiWURn?oc=5) · McCommons Funeral Home
- 2026-01-03 [Bette Callaway Obituary Jan 3, 2026 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTE9xaWk4WnVrb2FITnNXT3JvRlJ4SHNuZHk3N0dsQ3JFMVgxc3c5T19RTEVBd3JWY1E3UjNrYUVUYzdXdVZSZ0Z3T3hTM3VuLXI5ZVpCaWttbDE1bEMtU2lPOTctRHhNVlpGWGJwQUFvX05xOVo3LXBoNQ?oc=5) · May &amp; Smith Funeral Directors
- 2025-10-17 [Barbara Fordham Cook Obituary (2025) - Milledgeville, GA - Moores Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOX3RwaEpoNnJCYVA5dTNxN05YSE5YQ2dla1FrV2F6ZjBsbktFQi00a0dXeV9MNjZHZjlXYlFfd0dmQmhKR0xTQjN6V1RXdUJSV0xvVUJSMEo5UlJycVhVNXVaZVJRNGNNT2d5TktPbFpRblFINUhYa1c0SFNQZ1BwWg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10057 (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/9.json (key "10057", 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