# SEVIER COUNTY BANK
SEVIERVILLE, TN · FDIC certificate 10318 · asset band $300M-1B · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $475.2M | |
| Deposits | $431.4M | |
| Loans and leases | $304.9M | |
| Total equity | $40.9M | |
| Loans / deposits | 69.83% (p45 of band) | 72.09% |
| Liquid assets / assets | 28.37% (p37 of band) | |
| Uninsured deposits / deposits | 23.41% (p42 of band) | 25.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.49% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.93% (p9 of band) | 9.70% |
| Unrealized securities loss / equity | 0.43% (p35 of band) | 1.16% |
| AOCI / equity | 0.10% (p95 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.18% |
| Net interest margin | 3.04% (p32 of band) | 3.34% |
| Efficiency ratio | 87.55% (p96 of band) | |
| Noncurrent loans | 0.75% (p70 of band) | 0.40% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | 160.31% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 62.01% (p74 of band) | |
| Auto loans | $1.3M (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.3M (11% of equity) (p97 of band) | |
| Deposits YoY | 28.5% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 7 | leverage <7%, capital falling |  |
| 2011-12 | 9 | leverage <5% |  |
| 2012-03 | 12 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 12 |  |  |
| 2012-09 | 12 |  |  |
| 2012-12 | 11 |  | capital falling |
| 2013-03 | 9 |  | construction >100% equity, charge-offs p90 |
| 2013-06 | 7 |  | deposits shrinking, assets shrinking |
| 2013-09 | 8 | capital falling |  |
| 2013-12 | 8 | charge-offs p90 | capital falling |
| 2014-03 | 7 |  | charge-offs p90 |
| 2014-06 | 7 |  |  |
| 2014-09 | 7 | capital falling, construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2014-12 | 7 |  |  |
| 2015-03 | 7 |  |  |
| 2015-06 | 3 | reserve under noncurrent | losing money, leverage <5%, capital falling, construction >100% equity |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | capital falling | reserve under noncurrent |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 6 | losing money |  |
| 2017-06 | 3 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2017-09 | 3 |  |  |
| 2017-12 | 5 | capital falling, construction >100% equity |  |
| 2018-03 | 3 |  | losing money, capital falling |
| 2018-06 | 2 |  | construction >100% equity |
| 2018-09 | 2 |  |  |
| 2018-12 | 5 | losing money, deposits shrinking, assets shrinking |  |
| 2019-03 | 3 |  | expense ratio p90, losing money |
| 2019-06 | 3 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2019-09 | 2 |  | leverage <7% |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 | capital falling | losing money, expense ratio p90 |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |

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

- 2021-09-28 [SmartBank takes over Sevier County Bank - WVLT](https://news.google.com/rss/articles/CBMie0FVX3lxTE9iSUNjM2p3cW92S3pfLU15UHFXaE1fRTJSMkRWVlJzcTBDNVBmaFRpR3hobnpMcDBLaUZoR3BZbnMwb3FNQmc0OXlTWHk4dnlVeXM0WFdzVTlZT2wwZHVWelUxbGoxSjZMQVhtTENDa0ZHYlo5aE1uTk1iRdIBjwFBVV95cUxONkFJeWF5TkYtaG1tWjVlNm9YVk5vZ2xla1NKdGtVV3BBMlppVTJMVkRwTWpCcVJNbVljQTJsRDhPdVM5cXhocEU1NXNmTUpiS2xaVU1lY1NLaV9mODNkSzFnbzNXb3N0VW54UGxVV055dmV6bEx5VXpGaE5SMDJyMHR5UnNhLXFVTmZoNWlidw?oc=5) · WVLT
- 2021-04-14 [Parent company of SmartBank to buy bank in Sevier County, Tennessee - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTVNldnBqRFlETThqRnIzWlB5djhlTHgwWUxEZW1OaFJyT3RteUJtUDlIR0xEa1ZpZURmclBEcWg0M21lQ1dCakVqMXRHTlZuZmJkVjVlT0gycmU4UEx6SkZYSjJOWGtWRnpVc0kyVEJ3T1F0d0xRT0prQ2h5OXI1UWlyb0Y1Tl94?oc=5) · Chattanooga Times Free Press
- 2021-09-01 [SmartFinancial, Inc. completes acquisition of Sevier County Bancshares, Inc. - ucbjournal.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQeFNEU2FvVTF1b2FBUzV5anQzVC1MWWtBbWNrRzhLbzJRN3FFZE9ZeDBqdnUyWGw3clVKbHFDN0IzRXVoYjJPODVSd1YyVko0eUlwNzNFMzlhS2dwNkRrSzBTR2ZOM0dLYkdhMzkxVm9neDJzcVRYQ2V1QkZNWkJqaUpmdmVKSzdCTHJPdjFfcVIzaEpzdmFOSU1hMzZmdUZhZkE?oc=5) · ucbjournal.com
- 2021-09-01 [SmartBank Completes Sevier Merger, FVC Buys Mortgage Company Stake - Banking Exchange](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPUXRfZ3pxSWF5UjRia21PcjQzakpOLWVLdzRjcjlxQXZGWG9zcEZBSnlPMkRhamYzZzN5YXFwWHNKeV9zNDhqZU5kYjducXA1VUtxS1BWQXdJY0ZSMElNWU9QRkYwb2c5X1luaUVMSFV1SGdfSnB6em13N1d3VVVWdEV2cEY3RDl1a0lKbTBPZEUwQ1RyandGYkQtV3pWODNyR3g5bV84NFFxTmZtSjdyaUF1Q1Rfb2dK?oc=5) · Banking Exchange
- 2019-12-06 [Sevier County Bank Announces New Retail Leadership Team - PR Newswire](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWHBkbDdmOEhORVh0dGRidFVBOE9SUGhNYjBjY09SVV9pd3VBQzF3aV9TemR0U2dtWFlDWk1ISGJwem42NXRwZFV6LXl4YUVZeVl5b0EwcVFpNXRoQmJHT3ZWTXJvQ1FRZFlsNE5VTzF2aFd0Y2JsWllvWS1tQ2tLdXoyNnNiWVVnOFIxb19pUXBlZnpMbE5IWnRNeGJmczEtQnJoNUtydWo1Unhad2FWQQ?oc=5) · PR Newswire
- 2010-12-14 [Seeking Information on Bank Robbery in Pigeon Forge - fbi.gov](https://news.google.com/rss/articles/CBMib0FVX3lxTE1iSTZBZWF0SG5LOUJKWTJ3anhmNVFuWDdCQW00UHRGbWJacG5CYWhMMl9oVEJUbW1JMEI4X21sNElqeEZjN3MzcGxsRVdGaFJlWDB3dTZWM29KQ1BPaDdRVHZpa3QxU200WGdXWGlxZw?oc=5) · fbi.gov
- 2022-06-18 [First Community Bank announces two new appointments to Board of Directors - The Rogersville Review](https://news.google.com/rss/articles/CBMimwFBVV95cUxQaEhENUxGMk1MS1MtNTR6LThva0RoSXZPazBpUHlvRjRRdm1XMy0zUmNrMGlFZ3JkanlOUXNBMzVRX1FRdUM3ZXdYT29NaGZ1anZDN1BsUGotSXJ0X1RWR0NCZmdTWUlBLUJPRTVHRkU2RUVSM1lQS2t0eW00OXpONG5tUnNMYWJFTWFRaHd0X1JHSUY4dExReFN0OA?oc=5) · The Rogersville Review
- 2015-10-26 [Longtime Sevier County Bank leader Summitt dies - The Mountain Press](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQSTFSYndxSDZscnZvTlVFLTZBNGVBc1MxOHFtbmE4TDE4ZHBXci1MRWUydEVRbEYzWFZteWQ4QXl5ZWxBOGg1aERaV3pQbm1JQnFjRjAzRjBWeERqaXYxdDliR2NVVUxYM2RzTUZ0cnBSYUNtUzBzVC1kbjRZR01pWVR6cmM5eko1MF9DVFVvcDlWZVlHaFdqWS1wODVJaU1FeEs2RDFENnI3WEctSEdKWnRVb3BhUGdDVTZlNUV3S2ZSRGZiYUtIelR0TENSUWct?oc=5) · The Mountain Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10318 (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/14.json (key "10318", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide