# BANK OF HALLS
HALLS, TN · FDIC certificate 10315 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $134.6M | |
| Deposits | $123.2M | |
| Loans and leases | $63.8M | |
| Total equity | $10.4M | |
| Loans / deposits | 51.05% (p20 of band) | 73.59% |
| Liquid assets / assets | 48.34% (p76 of band) | |
| Uninsured deposits / deposits | 47.94% (p96 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.95% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -6.79% (p49 of band) | -6.57% |
| AOCI / equity | -1.63% (p16 of band) | |
| ROA (annualized) | 1.02% (p41 of band) | 1.17% |
| Net interest margin | 3.32% (p22 of band) | 3.93% |
| Efficiency ratio | 55.63% (p24 of band) | |
| Noncurrent loans | 0.15% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 953.61% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 45.18% (p76 of band) | |
| Auto loans | $565,000 (0.89% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2013-03 | 1 |  | uninsured deposits leaving, capital falling, deposits shrinking, assets shrinking |
| 2013-06 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 1 |  | noncurrent p90 |
| 2014-12 | 5 | capital falling, noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  | capital falling, deposits shrinking, uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | noncurrent p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | noncurrent p90 |  |
| 2017-03 | 1 |  | noncurrent p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | capital falling, noncurrent p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  | noncurrent p90 |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | deposits shrinking, assets shrinking |  |
| 2025-03 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2025-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | uninsured deposits >50%, deposits shrinking |  |
| 2026-06 | 0 |  | uninsured deposits >50%, deposits shrinking |

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

- 2024-02-08 [100-Year-Old Companies: West Tennessee - Tennessee Department of Economic and Community Development](https://news.google.com/rss/articles/CBMibkFVX3lxTFB4UGtoQk9VSkU3eC13YUtScHI4bnFXM2FFWTVMeGZjdFloeHZwRlF1Vzk4NTdMdUx1SHd4Q053d3RubXFKMXpqa1otaWRkX1l3aEdGbm9SY0NtZlRGTVpCYzlwajJ0V18tblE5Z1F3?oc=5) · Tennessee Department of Economic and Community Development
- 2024-02-14 [Boyette’s To Be Honored By State Of Tennessee - radionwtn.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOekZsYURMTjh2V3AyZm5uMzdzOHdLU3lSeE83VlRqazk2aEhwQXd3ekRJc0pRdzFYWUx4QVQ0dVlmbGw4Qloxdjg2dzhFZUpLYmtxTTNlSnBKVk9IWEVJYnl0ajlDWmFIRVl6TlBmSVd4dlJ5TUhVcHdqZWJ3QzBxcVVFbU1tSjYtNlE?oc=5) · radionwtn.com
- 2024-01-23 [132 year old Upper Cumberland store celebrated by state - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE5QQ3djZGRsdEV4bnlqRno3cWl5Ykx6VmdrUnF0UzRKX3E4UGt6M21nM1JNZERLUFlhaWpucEUzMWpxclQtak5BdDB3T1QweXNxdlFtUnZrdk9mOXl2Q0RCYW5nX0ZiQmFtQ1pGV3JSZW5SSFJDSXpJ?oc=5) · Upper Cumberland Business Journal
- 2014-01-18 [Mother, 3 daughters die in house fire - Action News 5](https://news.google.com/rss/articles/CBMinAFBVV95cUxQX0FycWFGOGYxNzctRGJNaV90R0VjeThRa01ERnprYkg0M1dXOUlJQWJpRHVOUURJTEs2TGx4dDV5OXNLQU5CVTcwWEJxcUZGZFRfWnJKWnpWV0FzRkU5SnBWTDVLRERiWDhtRGV3RzI0UHpWZ1JIZWg3MVlGdXNEdGdBVU5EeV9fMmZYUVpVdFZhZXY1VVJ5SDU0bzXSAa8BQVVfeXFMTmpROTBQazZ0YmNCUXpGVHpDeWVpUl9hVnlyZ3g2NkRhSkFES2twbjRPWmsxU2VzNHZmQkhSTGRsd2p1aFhGeGVkMmFRNG9POUxVRmlnQVVQSTNTOXFwa1ZKbHlfU29WOHBHUmVWbjhoRlBnRUptXzRuQkxHS2xuZUxOYl9oOHhtLV9iY2xhYzF4a2pDODU3My1HQW5DTG5BVjNqOUdUVFdXSHBuNTY3UQ?oc=5) · Action News 5
- 2017-08-14 [SCYT Stock Price and Chart — OTC:SCYT - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTFB2M0hCcVJ1dHRzb24yeTZyRlVGdW92ZUNyRnlZNXRNVnhHaEpibU14V1prRmZ6bDNMSk0wVFN4NFlSWUY1RThXSVZSSHN6WXdIOFpkUGRaY0U?oc=5) · TradingView
- 2025-08-06 [Throughout our America 250 celebration, we’re visiting small businesses that are the heart of TN communities. RM Brooks General Store — a family business — in Morgan County has served Tennesseans & visitors for more than 100 years, and we’re grateful f - facebook.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxObUI4dVI0UGdzaU0wRHdOaUFRa1dScS1COFVPbnAybU9zV2dBbzUwMWo1OXd3cWZUZDlBUFFpLUdNYVpjam5JUW5yQ25ScHA3c0ZURG5uTjNiYzU1T0QzUEVBNnlVWk9XdkNzS0w5RngwcTJ3MWo5eGRuR2ZJVTJFUHRncDM2OHJHU0Y2bjVac1BkT2ZiSHlFMVJLYndMUjI0OW81My1ZN1lVRFJtY2xhQkNuOFZRSEFQWVVXZUdFY19Dc0o1d0dnemJoRWhINTZhbXRfZFFGYw?oc=5) · facebook.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2014-01-20 [Community holds vigil to remember young family killed in weekend fire - Action News 5](https://news.google.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?oc=5) · Action News 5

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10315 (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/11.json (key "10315", 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