# ALLENDALE COUNTY BANK
FAIRFAX, SC · FDIC certificate 15062 · asset band <$300M · latest filing 2014-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $49.5M | |
| Deposits | $49.4M | |
| Loans and leases | $22.5M | |
| Total equity | $54,000 | |
| Loans / deposits | 41.35% (p13 of band) | 68.03% |
| Liquid assets / assets | 55.18% (p82 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.34% |
| Unrealized securities loss / equity | 0.00% (p57 of band) | -0.15% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -1.64% (p2 of band) | 0.74% |
| Net interest margin | 4.47% (p89 of band) | 3.59% |
| Efficiency ratio | 115.65% (p96 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.0% | |
| Employees | 19 | |

## 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`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 4 | capital falling, deposits shrinking, assets shrinking | losing money |
| 2012-06 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2012-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2012-12 | 4 | losing money |  |
| 2013-03 | 2 |  | reserve under noncurrent, losing money |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 3 | securities losses >30% of equity | capital falling |
| 2013-12 | 8 | leverage <5%, losing money, noncurrent p90, assets shrinking |  |
| 2014-03 | 8 | capital falling, expense ratio p90, deposits shrinking | charge-offs p90, securities losses >30% of equity, noncurrent p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-04-14 [Anita Sabrina Busbee Obituary in Fairfax at M.F. Riley's Funeral Home - articobits.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdkN4cnNwTUVGYWtSYVpReW9QVF9KeHVEQ1lmZUJKUEJUXy1TSDFzVHQ4T1hmTkZqQ0xKbXVUTW5TcDlhajgzQW9IUFRwelFMeGNCZEhOWTdJMTBwYUlGemdseWdLXzM0WkxnaEx1Yk1DWnRFV1pFLU1GalJTeHNORGFBekZSVEhGQzcxcWY1YmNpWkY2?oc=5) · articobits.com
- 2022-04-29 [Palmetto State Bank's Murdaugh ties draw scrutiny from grand jury probes, regulators - Post and Courier](https://news.google.com/rss/articles/CBMijAJBVV95cUxOMVJXYVlYaXE2OGJyS1RaRWtjUEJxVEFlTWE4VURkQ0ZiWnBWX3lQckItSHZyYkRQeUlucDFYZm9wNDRpT0haRWtMVktrQ0dzRTMzZFBvaEFvVzJhb2hESkJ1Z2M1Nl9JZ3ZIOEw3Zy00eUpBYi1QSi1HYzhxV3J5U0ptTnU4dmMzOGREMHJaYUJMZUIxSE9fdkc2Z2ZjaVV2ay1ZaFVPSXZldURmMmxmU1RIWjQ5b05FWl90V2xkSkpqX2FxRVpoTjVGNHh3LUxGRHNpNjNHNjFKaUJkSDBHM3l6RjhfVzItVmoxUVpSQUZWTjZnQW5ndFJ6UGs4LXk3amFNWUU1OUNlVlFK?oc=5) · Post and Courier
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15062 (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/22.json (key "15062", 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