# BANK OF HARLAN
HARLAN, KY · FDIC certificate 14200 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $128.6M | |
| Deposits | $114.3M | |
| Loans and leases | $55.0M | |
| Total equity | $12.5M | |
| Loans / deposits | 48.09% (p15 of band) | 74.46% |
| Liquid assets / assets | 51.45% (p82 of band) | |
| Uninsured deposits / deposits | 30.88% (p91 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.07% (p44 of band) | |
| FHLB advances / assets | 1.07% | |
| Tier 1 leverage | 9.96% (p35 of band) | 10.76% |
| Unrealized securities loss / equity | -4.43% (p15 of band) | -0.86% |
| AOCI / equity | -2.93% (p26 of band) | |
| ROA (annualized) | -0.27% (p4 of band) | 0.85% |
| Net interest margin | 0.39% (p1 of band) | 3.68% |
| Efficiency ratio | 205.98% (p100 of band) | |
| Noncurrent loans | 2.18% (p84 of band) | 0.62% |
| Net charge-offs (annualized) | 0.23% (p87 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 0.88% (p17 of band) | |
| Auto loans | $180,000 (0.33% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 32 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | deposits shrinking |  |
| 2013-03 | 1 |  | deposits shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 3 | noncurrent p90 | charge-offs p90 |
| 2016-09 | 2 | charge-offs p90 | capital falling, noncurrent p90 |
| 2016-12 | 6 | losing money, expense ratio p90, NIM <2.5%, deposits shrinking, assets shrinking | charge-offs p90 |

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

- 2014-05-28 [Former UK quarterback charged in Harlan County with theft of thousands from banks - Lexington Herald Leader](https://news.google.com/rss/articles/CBMikgFBVV95cUxNVEtucGlrTGlwbEFNRVNHRUZYOUZEcDFzdnNET0lhdHgzVG9jMk1JT094NWp4bklUbzBKUVRlNEpaTDloSE5Cc3dMUUtqVkRKamVLaExTRktqaUZualk1UFUtYXZtRVdLMk55aHliVzZtSjhiWHZUWDltZm9aZzRhS0E0OVd0VXdhVXlibDVoSnlfQdIBkgFBVV95cUxOQ1VMaUgyMkhWMXVzUFZJVzYybEdLVWdGUnYxYzJ2V01BUTktYlJHa2xuU2V4QnZNcVZ2Nmg4TGdWUE96eDROQmhqbVVJVTZVcjlybXZXN3d6UjljQUM4YmQ4Zko4Mm5KdVREMkF1XzdWbWlvWU9pRWJQZC1iSkJoa2huRU9WbjFuSFlZR3dRa1NQZw?oc=5) · Lexington Herald Leader
- 2023-09-12 [Obituary for Pamela Campbell Kelly at EVARTS FUNERAL HOME - Bianchi Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE90a3hsZHZwaEEyMTA4bkhsRWJTYXpkTmtZR2djMkl0d0ZoS1A3YVlpOTRuSW0zSExMQVZLR092VVJjVGRyWjkxelFCWmk5SmIwaUVkYzUyMlUwbzhZVGlRQzZCMHhscXZL?oc=5) · Bianchi Funeral Homes
- 2025-06-11 [Harlan County Entrepreneur Don Parsons passes away - Harlan Enterprise](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNmtuLTkzWjJBanJLMVNvaW5EWUFaZ0JGRGFzMzV3NWNrQk0yQVl0S1oyTTlqR0RKNGJLckVqQVpUQzJmODJNUmNmY0RoSUd3WFlaeWxna0lheHJrQjd4Rk5HdHNqSS1hSTAyQWpMU082ZXZvZnNqZ2x1N0c1WUpRazFhY2JlTFljMTdyaEFIT3NqcEMyVVE?oc=5) · Harlan Enterprise
- 2016-04-22 [Harlan County District Judge Jeff Brock dies at 55 - WYMT](https://news.google.com/rss/articles/CBMioAFBVV95cUxNazVfT2puNnVzTEZpWGp5bEk5SHJwaTB3UzdKdlJ0ZkJ4MEVXU3NsRFl1VjNCcXZ3Vm9sZ1RwVVRPS0NYRXN5TVJCbHJkRG9WNndGYWpyMXBOTW4zMU53VTY5ckQ1TVRCR2FmaDZBZXlwZnRiTDRMdXFGNHVCcmtMTHNPTGQtRGpSYk0xTjlKVHNHbWwwNnF3eFJXa3dUQWNf0gG0AUFVX3lxTFA5WjlDVTZ1WkVUZy1RSXdnUFJkbTlBcUZGN2gxcUt3S0wtZ1VMRDBFSTFXamF2NmlhSE1uell0eHloMFMzbU93dlNjcE1HWGkycGJ1N0xlb3FjS2laTmV3SVhHN1h5RTZ6Q2ZKWlZ5SUdLbEtubHRSV1F4SFVUZjBqUmVRMG9PVEJuUHlZZTZRb01CTTZDQl9rZTlZcnRzeHJoTjR6LTN4SFMyMnUtWGl5endkRw?oc=5) · WYMT
- 2025-05-27 [Donald Grant Parsons Obituary (2025) - Harlan, KY - Henson & Rich Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNS1VPR2YyeGE0ajlwclItLVJwbWlHdUtBOFA2VUlhU0ZBbUpTYk1EWi1US3JvWTZuMTdhZUI5ZDNwU2JtdUJkd3hhSW5tTl9BMHBaVjZ0WHBKRnlaMk9fMzdZRkUzWV9yTUdnZnlpRjNkT2FqRXJFY0ZGbTB4ZE9xQVVIdw?oc=5) · legacy.com
- 2021-03-08 [Judy Ann White Wilhoit, 67 - Harlan Enterprise](https://news.google.com/rss/articles/CBMidEFVX3lxTE9ySEozdGFneXZubWRQYklUZVVZOGhnMEIteGdYSC1zdXZ1MVNIUGtJN0ZPN3BmRnpKNFQyTE1CZFpFY0ZpYmFEdXZCdi0tMHNRZUltT2VSbnpZLU9UREZCd3BHbXg5amRSSjczZmUySm02NjZN?oc=5) · Harlan Enterprise
- 2022-10-24 [Jeffrey Brock Obituary (2016) - Harlan, KY - The Harlan Daily Enterprise - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZUItZjJpWWhVMUFraVJJT2RBczRyQkQxcjgxNHdiaF91WXlqN01PWnRYVDdUNDFXQWJxbVl6WGM2TWNQMVR3NHllNVh1Skl2UFY3ZkFZaWVlSS1DM2wyMDAzdTlrdjgtWUxpc0FTd3N4RFRuU2RueVhMOGdOTXB2U0ZicWlOQkUzQ1I0a1RzTFNqQQ?oc=5) · legacy.com
- 2006-11-12 [Duane Bennett Obituary (2006) - Harlan, KY - Lexington Herald-Leader - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMnlrbkI1ZXNCS2JkRmZ4NFpKa0cxaHlPOWRIVnhyODIxSkw1aXNvRUFuT01sblhERHpTaE11eFRvUUFvLXJpbzJJcVB0Ylcwa2RhOGRDSHJUZGF0Z1FyQU1oQkFqUTB3cFRCRVVTTlRSRmdBU2Q2OUVOTkJDUWsxQWlwcm1MN2xWVlMzb1VB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14200 (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/56.json (key "14200", 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