# WOODBURY BANKING CO
WOODBURY, GA · FDIC certificate 11297 · asset band <$300M · latest filing 2016-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $21.4M | |
| Deposits | $21.1M | |
| Loans and leases | $9.3M | |
| Total equity | $221,000 | |
| Loans / deposits | 42.37% (p11 of band) | 74.58% |
| Liquid assets / assets | 44.62% (p73 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.82% (p0 of band) | 10.79% |
| Unrealized securities loss / equity | 21.27% (p100 of band) | 2.02% |
| AOCI / equity | 36.20% (p100 of band) | |
| ROA (annualized) | -4.51% (p0 of band) | 0.86% |
| Net interest margin | 3.92% (p66 of band) | 3.65% |
| Efficiency ratio | 561.76% (p100 of band) | |
| Noncurrent loans | 8.32% (p99 of band) | 0.67% |
| Net charge-offs (annualized) | 1.21% (p99 of band) | |
| Reserve coverage of noncurrent | 46.97% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 144.34% (p98 of band) | |
| Auto loans | $339,000 (3.64% of loans; DQ 8.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 6 | expense ratio p90, noncurrent p90, deposits shrinking, assets shrinking | capital falling |
| 2012-06 | 6 |  |  |
| 2012-09 | 9 | losing money, charge-offs p90, uninsured deposits leaving |  |
| 2012-12 | 6 | capital falling | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 4 | deposits shrinking, assets shrinking | expense ratio p90, losing money, charge-offs p90, capital falling |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2013-12 | 3 |  | uninsured deposits leaving |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 5 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2014-09 | 6 | capital falling |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 6 |  |  |
| 2015-09 | 8 | leverage <5% |  |
| 2015-12 | 9 | charge-offs p90 |  |
| 2016-03 | 8 |  | charge-offs p90 |
| 2016-06 | 12 | charge-offs p90, construction >100% equity, deposits shrinking, assets shrinking |  |

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

- 2017-05-09 [Is your metro Atlanta Kroger or Wal-Mart bank branch closing? - AJC.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOQ0szM08wT2l6M1RLdWlTWVJxUG4zUjVTdE5xZTFESVZ3WXgtSlZhSm9GMFlJcTdEZmppaUJTQW5CU2dhcnNRdTRneVBlZGJFQlRkM3dtOGhweUM3blBLbTZFaDBENG5JRTZLUGxEcExwMF90QTc1d19pWC15UUZVNF9PLVMwMTdZNzhoUnVCNWhUODUxZmV6MFJldHU5UkJFVHc?oc=5) · AJC.com
- 2026-05-05 [Georgia sees 1st bank failure in nearly a decade - S&P Global](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNV1U3RklVRy10TUsweTV1UmVWc1FXaXFPQlZNbFVuT2k0UlpQcE9SYjBFbjZJT1VOSXRQN1ptQUMyZHRhRlVkbE5NQTZ5aF94WDBYd2R0LUhySkVrcDJfZllFTy1pXzU2NU5tOVpZWjdnRzZtZmpsbkRSM1dwQmVRUk9JOEI3enpMNXZaMjFZbkdxLU1nOGticzhrUFItaEJ2WmNXWW9aY2VQZkN4UmxjdmhZYXM4bTBZYlBlZE9KcFFkTjlsa0JjTUpza1VRQ28zYkE?oc=5) · S&amp;P Global
- 2015-06-24 [Georgia's Department of Banking and Finance enters consent order with Walter Barnes of Woodbury Banking Co. - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPc3oySWprVkVjREUxNzQwTmJRRGtIdXVuLXZWc0dSVXNBYVdZQ2dPbjViNnBqUlFmOXVDSHRqTVoxMVhZcTEyVlJOcDB4ZFBLTEUtaE9JZXItTDhucDY5VFU5YUIzT2dSZ0s3YjhNM2FYSXM2Y3loMUVnM25KRWNoVTQtdGZEZjI0S1lxcGVCQ1NNcmNYbjRJdjEwa3gzd2RDbk1id2dudV9YZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11297 (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/33.json (key "11297", 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