# BANK OF CANEYVILLE
CANEYVILLE, KY · FDIC certificate 15068 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $47.9M | |
| Deposits | $43.3M | |
| Loans and leases | $17.7M | |
| Total equity | $4.5M | |
| Loans / deposits | 40.53% (p9 of band) | 75.30% |
| Liquid assets / assets | 61.13% (p91 of band) | |
| Uninsured deposits / deposits | 8.70% (p24 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.25% (p21 of band) | 10.87% |
| Unrealized securities loss / equity | 9.27% (p95 of band) | 1.65% |
| AOCI / equity | -0.04% (p6 of band) | |
| ROA (annualized) | 0.84% (p47 of band) | 0.88% |
| Net interest margin | 2.81% (p12 of band) | 3.67% |
| Efficiency ratio | 71.15% (p48 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 1390.91% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 42.76% (p76 of band) | |
| Auto loans | $551,000 (3.11% of loans; DQ 0.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 8 | |

## 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 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 0 |  | capital falling, NIM <2.5% |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |

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

- 2023-04-19 [Aubrey Leslie Embry - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQOFI2ZTI2M3AzYnd0N1JBZmFTVVFnWUZuTnNQUUlVWUdOLVcwVTFMNEJod2wwU0tPQS1jZlBpTnBiX0JqZ1psTjI3TUMzODVZVkVIQU4yLUtxeVQ1U1JHWVh1UmF6VDNaTGw0TXJqdGNBcGZNYmJLSmRFbl8zLVo5VWl3WXZUUWZFZ2xET2JuYw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15068 (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/28.json (key "15068", 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