# BANK OF CROCKETT
BELLS, TN · FDIC certificate 1468 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $299.1M | |
| Deposits | $266.3M | |
| Loans and leases | $205.8M | |
| Total equity | $29.9M | |
| Loans / deposits | 76.19% (p55 of band) | 73.59% |
| Liquid assets / assets | 27.20% (p37 of band) | |
| Uninsured deposits / deposits | 25.25% (p69 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.46% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.46% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -7.72% (p47 of band) | -6.57% |
| AOCI / equity | 0.13% (p90 of band) | |
| ROA (annualized) | 1.49% (p67 of band) | 1.17% |
| Net interest margin | 4.12% (p60 of band) | 3.93% |
| Efficiency ratio | 44.03% (p6 of band) | |
| Noncurrent loans | 0.29% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 487.48% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 29.13% (p63 of band) | |
| Auto loans | $6.6M (3.21% of loans; DQ 3.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 40 | |

## 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 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, capital falling, securities losses >30% of equity |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2017-04-14 [Dollar General opens in Gadsden - jacksonsun.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNExDUXRWYWM5M2ZOMXE3NHhnSG5QRFBJTk1TQXNqN2ZybklxdURPTTVUdTdKRjNJanp2RzA2YXNPR1h4cU5zVGkzemd5MlJENVhwSHBMeUFrM1hoZ3phb2tOQl82T282NzhqYm9SU1dlM0E4aFZLc1BXMUd6aVhhclp6YUxRelVZSE5hbEhvRlVJeHU5UW9JamZB?oc=5) · jacksonsun.com
- 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
- 2017-08-14 [SCYT Stock Price and Chart — OTC:SCYT - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTFB2M0hCcVJ1dHRzb24yeTZyRlVGdW92ZUNyRnlZNXRNVnhHaEpibU14V1prRmZ6bDNMSk0wVFN4NFlSWUY1RThXSVZSSHN6WXdIOFpkUGRaY0U?oc=5) · TradingView
- 2017-01-26 [Wayne Whitby Obituary (1951 - 2017) - Alamo, TN - The Jackson Sun - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNVNFbXNiejNtNkFYREIxUk0tZ0JsVXdOcV9MZ1FhYURrVktOTEVqSkVOWWZFX1VvYm5UblM0VUdSQTFPZWNnN1hVZHozU3Y4cENGb3ZFX0trOFc1MVgwT21tUWx1WTFaRURDVFNLemItYkFqbVZjbzhWV0tUbXZqV2JGYjMwd2EtWU9QeXlFRQ?oc=5) · Legacy obituary
- 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
- 2021-03-14 [Added AEDs in Crockett Co. increases probability of positive outcomes in cardiac emergencies - jacksonsun.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNZTB3ZnNiZVgxVGRFNlFPMlBSMUlaY1Z5ZVRtclVtc3ItLS1lQnozdFVqRktpcnNkSzZnV3lBLUx0RGQzZHEzN20tYUczcnlfWUFHU0czVU82a3dkNFNLRGVYYkRSOUJoXzM1RzlTVllndk1jbWZPN1BXZTVsVDJPTE9BUlRvNVp2QTB1YUVEenRpYmNKVjQ5Mzd5RGhYaVFaVXQtRm1MQWNKdVRyNE0yZDFieUFueVhVTnR6dXp4LW5La3E3bDV2VTk4NVlwVzVvSWwwVkJVNWptSkE?oc=5) · jacksonsun.com
- 2006-05-01 [Paul Conley Obituary (2006) - Jackson, TN - The Jackson Sun - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNSk1oU1pyOFllX3NjbWM5ZEtwaml2cUN5c2g0QUNyLTFlUmNmWmhnc1o5SXNJSFllV09MeDFxcC12Z1ZGdjhIRkh4bHFGcHd0eUFfa1ZyRGdZOTVPRzJPX3VHblpMRUlmVlVOM1htLXpHaXB1b0xINm1QMmhmZy11SDgwVE9lMkpNc3JrRFdR?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1468 (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/60.json (key "1468", 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