# BANK OF HAZLEHURST
HAZLEHURST, GA · FDIC certificate 149 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $134.2M | |
| Deposits | $117.9M | |
| Loans and leases | $57.5M | |
| Total equity | $15.9M | |
| Loans / deposits | 46.89% (p17 of band) | 73.59% |
| Liquid assets / assets | 57.21% (p85 of band) | |
| Uninsured deposits / deposits | 29.82% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.56% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -24.42% (p19 of band) | -6.57% |
| AOCI / equity | -1.19% (p23 of band) | |
| ROA (annualized) | 2.19% (p89 of band) | 1.17% |
| Net interest margin | 4.81% (p86 of band) | 3.93% |
| Efficiency ratio | 56.80% (p27 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | -0.11% (p2 of band) | |
| Reserve coverage of noncurrent | 563.08% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 39.29% (p72 of band) | |
| Auto loans | $911,000 (1.59% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.8% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | losing money, charge-offs p90 | reserve under noncurrent |
| 2011-12 | 1 |  | charge-offs p90 |
| 2012-03 | 1 | uninsured deposits leaving | losing money |
| 2012-06 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2012-09 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2012-12 | 2 | charge-offs p90 |  |
| 2013-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent | uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 3 | charge-offs p90 | capital falling |
| 2013-09 | 2 |  | charge-offs p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | noncurrent p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | capital falling, losing money |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | capital falling, deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2018-06 | 4 | charge-offs p90 | capital falling, assets shrinking |
| 2018-09 | 3 |  | deposits shrinking |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 5 | deposits shrinking, assets shrinking |  |
| 2019-12 | 6 | uninsured deposits leaving |  |
| 2020-03 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2020-06 | 2 |  | deposits shrinking, assets shrinking |
| 2020-09 | 6 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-03 | 5 | capital falling, losing money, expense ratio p90 | charge-offs p90 |
| 2021-06 | 6 | charge-offs p90 |  |
| 2021-09 | 1 |  | reserve under noncurrent, capital falling, losing money, expense ratio p90, charge-offs p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 6 | capital falling, AOCI drag >20% of equity, losing money, charge-offs p90, reserve under noncurrent |  |
| 2022-06 | 6 | securities losses >30% of equity | reserve under noncurrent |
| 2022-09 | 6 | reserve under noncurrent | capital falling |
| 2022-12 | 6 |  |  |
| 2023-03 | 2 | assets shrinking | noncurrent p90, AOCI drag >20% of equity, losing money, charge-offs p90, reserve under noncurrent |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 1 |  | assets shrinking, deposits shrinking |
| 2023-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2021-03-03 [Kirkley is new Bank of Hazlehurst President - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaGZOYjVDcDZlTWRvZFlfazNIdTI2cjFLX0Z4UUJkWHZxR3FzRnNNWlZJWE54TjVzSEhLb0J3aW0wUGNRekd5d2VxN3lPRUphQmg5UHJiQS1DR3R1ZHZUazlkU1BVcW9zMU5kVllWakpPaTJWY2h5ZVZYS0ZLUFJXbEpBaDJvdw?oc=5) · Jeff Davis Ledger
- 2009-07-07 [Taylor retires from Synovus after 35 years of service - WTVM.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMHA4V2M4TUhBeExYVzgwMUtfZkNEQU5DUDBpak5BcVVkQ2t5OFZNcDItN254blk3TDE2eFhKc05La09qblpJeDF3WDRwdm00R2lIN1ZzRkF3YWc4Rldoa2hfaW5RMU9heDNaWlVHY05DSmpLUmwxeE81dmI2eWFwQWVRZXQtQzRpRnYxWGdMRWd1NnNr0gGnAUFVX3lxTFBDVFc4WVMzX0JIOFFmUDdjdEJMRmR5UEdncE5iSUV1ZVZncFZkY0tvY3JUS3lKZ1VZMmplWEMwOHhSd0t5anRhT0pYWDI1ZFZHQ3pnR25sNmpXSVF4V0QyNWNBTTRLUHNKa19CTWxCRGRRdGFFNE05Z3QtTXgzZUtBY2dIRk1OWFBmS0l2QlBnZVE0amhDMF9sRU5ZRGFXZGIzVGIwczlB?oc=5) · WTVM.com
- 2021-03-03 [Bateman retires after 51 years in banking - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMihAFBVV95cUxNc20wR3BHT0lIZHRZWXlZYnd5eDNIOWM0MlV4ZmJMRHFYR1ZxRHZqUHVHNlZKZjB0Zm9RbEhOYjlfYXdDNlYyR2pSNjBSX1dWeFhSN01JN2tYMWpTUV9HQ0FlOElWQUxLa3Z3UVNINU05NWU1bnpWSmtIaWlQLTVHYzdLd1U?oc=5) · Jeff Davis Ledger
- 2023-11-12 [Pamela J. McDowell Obituary (2023) - Baxley, GA - Swain Funeral Home - Baxley - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWENtam5VajNsU1NwSnZOcmRZLURrVXlVbkpIRU5MSEdTa0dDQW9xNEVONEpsZjhBTG9Fdnp2UlZQbE1oTTRzQ0JGdnc1UmYyRGswdm9JRDZZbmxXN3BCYnhORGYtb2lTeXQ1MUQxOGktMlNfYmF4OThjM0l4bGhxQkRtZmQ?oc=5) · Legacy obituary
- 2020-01-08 [City Government, Athletic Success Top The News In 2019 - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZkJnZnRETVFNSHE2dkFxUW83MkdiTjhvelJPM0NGejZiZUtCZkViTVk0azNqbVlONVRxSm4wVmVOaFJ4T0Y1Ny13UzFROFlVTkt4bGVjaGN3V0hLV3FxY0E1amNtdjV0OERtNy05aDAyaldzV3BTemVibFlDTDk1ck56enk5eG9BS1RHV3pNWTlTdllO?oc=5) · Jeff Davis Ledger
- 2019-07-10 [Mrs. Betty Jean Rowell Brown, 85 - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMidkFVX3lxTE5xSkJzcUFDU0llUXpQTnN0ZnhHMzI4S1NNdXN1T1djNFFtWklJdXhnc0pmVUs1QTBnNk96cWlrQmk1Q3VHWklCRVFGVjJyLVc1X1RSQURwdnNnWkhvOXRnUHFndk8yTXpZRjh2OE9YY2d4MmYtQ3c?oc=5) · Jeff Davis Ledger
- 2018-11-28 [Mrs. Judy Edwards Courson, 70 - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMickFVX3lxTE5BMmUyYmd2ekYtYjZseWctM0xVbE8xSV9ISzdMaGhtTEh2TWlQM19tVDZiSkJ2bmFsQjZJS3VqQUVvZXhyOV9KX2FWUmIwQUhOX1pTdXlnUk5xY1JuNENsSXJNbHNRQVBvN2VSaVp3SmE5QQ?oc=5) · Jeff Davis Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=149 (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/21.json (key "149", 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