# BANK OF RINGGOLD
RINGGOLD, LA · FDIC certificate 1377 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $56.0M | |
| Deposits | $46.1M | |
| Loans and leases | $15.6M | |
| Total equity | $9.3M | |
| Loans / deposits | 32.77% (p6 of band) | 73.15% |
| Liquid assets / assets | 69.73% (p95 of band) | |
| Uninsured deposits / deposits | 12.14% (p41 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.80% (p91 of band) | 10.64% |
| Unrealized securities loss / equity | -0.19% (p25 of band) | 0.27% |
| AOCI / equity | -2.17% (p5 of band) | |
| ROA (annualized) | -0.45% (p3 of band) | 0.82% |
| Net interest margin | 2.28% (p5 of band) | 3.64% |
| Efficiency ratio | 131.84% (p99 of band) | |
| Noncurrent loans | 0.78% (p55 of band) | 0.67% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 375.41% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 22.61% (p59 of band) | |
| Auto loans | $525,000 (3.37% of loans; DQ 7.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | NIM <2.5%, noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 | capital falling | noncurrent p90 |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 3 | NIM <2.5%, reserve under noncurrent, deposits shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 2 | expense ratio p90 | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 3 | deposits shrinking | expense ratio p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | expense ratio p90, assets shrinking |  |
| 2015-09 | 4 | losing money |  |
| 2015-12 | 5 | deposits shrinking |  |

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

- 2025-10-20 [CEO Spotlight: Ken Hale of BOM Bank - Shreveport-Bossier Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOTTUzU3ByRkRDM092OXQweE9Nc0xxWG1hTnVUWnFneEpxdWIyYzN2LU52Wk5NcE1OQklIRDZxSGV1WEVfSVdtZzJhMmdkUWFmZjlOVTRDQnpJZ3hmeTZLMU1uLWNGYVJQN2E5V2xhTC1XTEN3ckNwWDhETllYN0Y5Y0dhYlVyUTNqSmJN?oc=5) · Shreveport-Bossier Journal
- 2015-06-11 [Hunter Kye Hendricks Obituary Jun 11, 2015 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMieEFVX3lxTFB6bWpoWVFxYmRTWEdVbUs3UXZHa0lGcjJUVDJ1S0JnLWlnYWlPQXpBUUtnbzhKeldXQjBGNTRqYUMyVDNVaVVoZGJCaWJIMTR2RXhzRy1xNHJGTkVXdUFvZDV3X2NSQWRnV1VwVHJmVVpvdkFMR3dMeA?oc=5) · McLane Funeral &amp; Cremation Services
- 2017-05-07 [William Conly Obituary (1938 - 2017) - Ringgold, LA - Shreveport Times - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxPT2xGWllxeTNqMmRWRU5pREs3WDcyaXVlQ0I4bGNUVE96ODFDWEhGQXBZY2ZYaE9tX2RmTFA0SDlIVHI4UHd3bjJhWkRWMHAwNkg0eHFxMTVNRmk0bjg0ZlNhNkVGeFBwc3BadjdILWN1S204U2Vzd1hxWTFNTlZHUm5jQWVlWnByRmx6S3liSU9kRTVzMWg4?oc=5) · Legacy obituary
- 2013-10-25 [October 16-31 Obituarie | Funeral notice - The Rome News-Tribune](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOajNmbmJQdzdWZkM4a2RJLXZZZTBJbUd5U2JpV010bmRYekFwSkJTLUpuNDdMX2xUem9uTmJ6NXlZakNUTGlHR3c1Yk5aT05PZm9IMjFsaGY3dS1ILWhXOHdSQjRtRndhWjJuRnU3UEdjcjNPb25hRmhfdWgteHNpOHZGbE9sWHNONkp5TWtKM2EwZmFsSGF2YWJyS2hxWGtudlR0WXA2UVJGdWRxN0VCVXh4YTkzZl91ZkdrNjRodGd0dzg?oc=5) · The Rome News-Tribune
- 2015-06-17 [Hunter Hendricks Obituary (2015) - Bossier City, LA - Shreveport Times - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMmY5ZGNNYkhESFRhY0NONGdhV2Vpa0JlbkhuaVJ4UnRyVUpxTkNEMHhGRWw3NlNmRUhBSkZmcUdvRk9ScGhKNGxRTWxPeHhWeVVmNDVIMHJmOGFJaVZnY0VpTTI2eG5zbm5WbHhZc044TVQzMm1LbnJUVUE1d0tvVlY2RmFHcURxMXltZ0ZaQ3JQV25XdVJ5UmkzVQ?oc=5) · Legacy obituary
- 2006-02-12 [Danny Uzzle Obituary (2006) - Baton Rouge, LA - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUVZwS2ROZDJZZ0wwTjY1RDlHRGZGWGNuNTdSMk9uSjZXMEtaVks2RDQxcUVzNVJTNDdtR2Jjdmc0aTFQalNDREJkTTM4bjJ0b0lmS2VTc3NYTVRQYzhFN0tNN3l2R1d0UndzNHNCbHFjaHVDTTVfUUlRRVVWbFR5eHdSd0dMdHhPbVZjckNHTQ?oc=5) · Legacy obituary
- 2010-02-23 [Harry Moseley Obituary (2010) - Plano, TX - Shreveport Times - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSVhodzdYdnhDbHVzemtrbkQ3ZHBQU292MkhWRWZ5Rjljd2xIcVZMOTFkRGlGTzcyeE5yVVhtVVg2dmg1Qi11WGJqZFVQeE53eVhmQTVWWVdLTHNjaFpzQnFDNkpQQWdFdUJsMnZoMklLb1pab1VqNzdxd0hRYmhEd0Y1UkhwNGZNNHNEcGFqVEFfeDRnbjhr?oc=5) · Legacy obituary
- 2015-05-01 [Maritza Chavez Obituary (2015) - Bossier City, LA - Shreveport Times - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUFAwTGFTdDZoc1VRcDlVZjFGTTJqRjZiSVJObG9tUkZrN2hhbEtGMDhmZHdvcnRfUmVfVmtuaVZYaG40SGlNZ0IxVEZFdXpJN2U1SGpuUkwzdGE0NFlON3kxcGU1QS1WalEwYWZxWjFiR3RsUEIzOFVKMUptNUYxY0Y4ZkRSY2hrNUhZQlFJY1IwaVF5bVE5eQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1377 (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 "1377", 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